BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
I became fully XXXX in 2018. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified Navient of the situation. I applied for XXXX XXXX XXXX XXXX XXXX. For some reason unknown to me, the application for XXXX never went thru. Navient continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to XXXX XXXX XXXX XXXX. When the credit bureaus contact Navient, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from Navient and from the Department of Education!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NJ
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX 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 2021-10-14
Company: DISCOVER BANK
State: MA
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 contacted Discover Finicial Services in order to figure out why I have a outstanding balance and why I had a open account that was reporting under a different name but same social, It was identify theft. I left them know that I never opened a account with them and they proceeded to tell me that the account was sold off and they couldn't do anything to contact XXXX dispute it and get removed even though the account is not in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 we purchased a car from XXXX in XXXX. Then on XX/XX/2021 we went to Randolph Brooks Federal Credit Union ( RBFCU ) to refinance the loan. Now two months later, RBFCU has never paid off the XXXX loan. Both XXXX and RBFCU hold an open loan on the same car & both demand car payments from us for the same car! ( yes, in order to protect our credit, we have made car payments to both XXXX RBFCU! ) Neither XXXX nor RBFCU will resolve the situation ; both blame the other for keeping their loan active.

Then last night RBFCU called and told us they were backing out of the loan because they had processed the wrong kind of loan ( new car loan rather than refinance loan ). However, today they will not close the loan until they get a close letter from XXXX nor will they refund the car payment we made to them on XX/XX/2021 in the amount of {$560.00}. 
So were back in the middle between XXXX and RBFCU.

How can both require us to make payments on the same car?!!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: Meridian Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have two weeks Deeded Timeshare that are PAID IN FULL with XXXX XXXX XXXX in XXXX Florida. I was making monthly payments for my HOA past due at one point on my credit card As well as renting out the unit and allowing XXXX XXXX to keep the proceeds in order to cover the maintenance fees. After my wife became XXXX due to XXXX and subsequent XXXX and had to reduce my working hours to part time we informed a representative named XXXX with XXXX XXXX in their collections department of the situation and he suggested that we could deed the time shares back to XXXX XXXX, and with the understanding we would not be able to use the time shares and would lose whatever equity we have in the timeshares ( approximately {$30000.00} for both weeks ). We agreed and were expecting paperwork which never came ; in the interim, Covid was a reality and we like most people were in a battle for basic survival. XXXX XXXX was not communicating with us and we just thought it was due to Covid. N w we find ourselves two years later trying to defend collections through XXXX XXXX agency for an amount of {$4800.00} which is quite a bit of money expecially since my wife 's We are not sure which agency can help and are contacting your agency for help and to understand how to navigate this matter. Any help you can provide us with would be very much appreciated and welcomed. 
Please let me know if you need any additional information. 
Respectfully submitted, 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 explanation
Consumer complaint received 2023-09-26
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Movement Mortgage has displayed a continuous and ongoing pattern of mismanagement and manipulation of my XXXX XXXX XXXXXXXX loan. After several specific issues related to my Escrow account such as Movement 's failure to disburse funds by the due date, Movement disbursing funds AFTER the due date and after I've made payments directly, etc, I formally requested that Movement close my Escrow account so that I may manage Insurance & Tax payments directly, as I've been doing anyway due to their mismanagement. 
Movement approved the Escrow account closure, then denied it, then re-approved the closure citing Clerical Issues on their backend, etc etc etc. 
On XX/XX/XXXX, I received a letter from XXXX XXXX indicating all backend clerical issues had been addressed, and that my Escrow account is now closed, and that my surplus Escrow funds had been mailed directly to me on XX/XX/XXXX, and I should receive that check in the mail within 7-10 business days. 
Naturally, I haven't received any Escrow refund check as of today XX/XX/XXXX. Furthermore, I see within my Movement Payment Portal that on XX/XX/XXXX, Movement has once again disbursed yet another duplicate Tax payment from my Escrow account which should have already been closed. Furthermore, due to this latest inexplicable disbursement, there is now another SHORTAGE within my Escrow account which shouldn't exist. On XX/XX/XXXX I also received a letter from Movement that my monthly payments will now INCREASE as a result of this manufactured shortage on my Escrow account which shouldn't exist. I'm requesting CFPB to step in here once again to help me find resolution. I've attached a timeline of events as reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$3400.00} // Late Open DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$4400.00} // Late Open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AWA COLLECTIONS XXXX XXXX XXXX I HAVE CONTACTED THEM WITH NO AVAIL. I WAS A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A Chase representative contacted me about covid relief and did not properly disclose terms. They never disclose the ballon repayment. This is clearly another form predatory leading. They have also violated the National Banking Act. They have failed to respond my QWR nor have they giving the gap accounting. Finally GA community affairs were willing to pay {$50000.00} for assistance but Chase refused to send the work agreement to Georgia Community Affairs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Westlake Services, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I went to XXXX for a consultation onXX/XX/2023 for laser hair removal for the buttocks, face and neck. I was informed of a payment plan. After my consultation appointment I received a call to sign paperwork. I signed the paperwork for a 36 month payment plan electronically. On Friday XX/XX/ I called XXXX to cancel any upcoming appointments and to cancel the loan. I was informed by XXXX staff they could not cancel or close any loans it would have to be done by XXXX XXXX since the loan had already accepted. I reached out to XXXX XXXX, they informed me that they were unable to close the loan out that it would have to be done by XXXX. Ive called both XXXX and XXXX XXXX on this matter every day for a week now. Nothing is being resolved. I have not paid anything nor have I had any treatments. I have been trying to close or cancel the loan two days after I signed. I no longer want services or treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: MI
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:
My drivers license was lost in XXXX I got a new one then someone stole my wallet with id and credit card and used it in XXXX... I have notice that there are inquires on my account which leaves me to believe they are trying to use my identity..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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:
I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
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 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
To whom it may concern there was theft on my account Capital One Bank UsaInquiry from XXXX XXXX, XXXXXXXX XXXXCapital One Bank UsaInquiry from XXXX XXXX, XXXXCapital One Bank UsaInquiry from XX/XX/XXXX, XXXXCapital One Bank UsaInquiry XXXX XX/XX/XXXX  I have spoken to capital one a few times about this matter and they said would remove from my credit report and never did since i never authorized any of these with there company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: LEXISNEXIS
State: OH
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:
I XXXX XXXX is currently submitting a complaint regarding Lexis Nexis a consumer reporting agency. According to the FCRA 15 USC 1681 ( a ) ( 4 ) as a consumer with respect to my right to privacy so there is no such thing as a public record which Lexis Nexis has failed to comply to my right to privacy in which is a violation of the FCRA and is currently reporting a Bankruptcy ( Case Number XXXX ) on my consumer report. I have reached out to the bankruptcy court to check to see if they report to the consumer reporting agencies and they have responded and stated that they do not report to the consumer reporting agencies. In the attachment of this compliant you'll find the letter from the court stating such fact. Lexis Nexis has fished this information out and was not given permission to have information and pursuant to 15 USC 1681b ( 2 ) they did not have permissible purpose to furnish this information. I demand that this is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX, a cryptocurrency investor of Coinbase. I invested XXXX trade through the platform. When I was ready to withdraw my funds on XX/XX/XXXX, the XXXX XXXX dealers came up with multiple reasons to decline my withdraw of {$440000.00}. This resulted in a huge financial loss. Coinbase is a publicly-traded company in the United States that permitted XXXX XXXX trade, so they should be responsible for accurate verification of the XXXX trade on XXXX. As Ive trusted Coinbase - investing all my life savings, now XXXX on Coinbase refused to withdraw my funds according to the rules, so I request Coinbase leadership to return my funds of {$440000.00} ( see attachment for the transaction details ). 

Coinbase has a major flaw, enabling fraudsters to abuse its platform. Coinbase gave no warning or effort to stop a transaction to a flagged-for-fraud wallet ; In no time the money is transferred into a wallet reported several times for fraud. Coinbase also doesn't verify me or the receiver of the transaction. This incident has caused my family and I huge financial loss and major physiological impact - resulting in a XXXX on my end. I reserve the right of further accountably of Coinbase on my financial loss and phycological agony. 

I believe that my case is not the first of its kind and will not be the last. 
The following is my record tract of investment on Coinbase, so you can investigate : 1. XX/XX/XXXX, I downloaded the Coinbase app on the XXXX XXXX and registered for an account with phone, email, and driver 's license. 
2. XX/XX/XXXX XX/XX/XXXX, I transferred 11 times totaling {$440000.00} dollars from my XXXX XXXX XXXX bank account into Coinbase purchasing BTC. 
3. I purchased XXXX XXXX trade on the Coinbase platform, funds were transferred from the Coinbase wallet into XXXX platform for a XXXX trade. 
4. XX/XX/XXXX I initiated withdrawal from XXXX platform to Coinbase for selling ( at that time my assets were at {>= $1,000,000} ( RMB ), XXXX online customer service refused my withdraw ( see attachment XXXX Platform ). 
5. This is when I discovered the XXXX platform provided by Coinbase platform is a scam because the legit platforms do not ask for assurance funds. Records are provided in attachments, please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Repurchase agreement was initiated on XX/XX/23 by XXXX XXXX XXXX Due to lemon vehicle. The vehicle has been located at XXXX XXXX in XXXX GA since XXXX. The vehicle does not start nor did XXXX have the part to repair the vehicle. The Repurchase agreement was started by XXXX due to no fault of the consumer. XXXX has continued to prolong the process and has filed false claims on credit bureaus and in letters addressed to myself. That they were not aware of the repurchase agreement. XXXX XXXX have been in correspondence with the Repurchase department through the entire process and were aware of the agreement. Repurchase agreement papers were signed on XX/XX/23, yet, I was told that documents were not received until XX/XX/23 to XXXX XXXX. The Repurchase Payoff is in process. You can verify with the Georgia Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-05-22
Company: Chime Financial Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone messaged me on XXXX selling and item. I asked questions about the item and when it would be sent. The seller answered my questions and put my worries at ease. Once I sent the money, the seller only responded once and I never heard from them again. The last response I got them stated, they would be shipping the item the following morning but that never happened. I messaged the seller numerous times trying to get them to send the item or refund my money. But that failed and never received a response. At that time the {$400.00} charge still showed pending on my Chime account, so I put in a dispute with Chime. Chime never once asked for any evidence supporting my dispute so I decided to reach out to them and get the email of where I should screenshots of the conversation I had with the XXXX seller that scammed me. I sent them screenshots of the entire conversation that included the agreed price, the date the seller said they would ship the item, my multiple attempts trying to reach the seller when they never sent the item. But even with clear evidence that I was scammed and with the charge still pending Chime denied my dispute. After that I looked online and saw that this was common for Chime and that they screw a lot of their customers out of their hard earned money or they don't protect their customers like other financial institutions. But according to Chime 's Terms of Services, they should have force charged the money back to my account once I submitted the evidence for my dispute because of how blatant it was that I was scammed. So Chime violated there terms of service by not doing what they were supposed to do in this type of situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: FL
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 am writing to dispute these accounts XXXX XXXX and XXXX fraudulently opened in my name. also, XXXX XXXX XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX, XXXX XXXX  XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX XXXX, XXXX, XXXX and XXXX. Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S.C. 1692g ( b ). I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

Company response to consumer: Closed with explanation