BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in foreclosure procedeing since  XXXX  including   XXXX    court cases, last  XXXX  mortgage lender ask for dismissal without prejudice. After dismissal lender sells off mortgage and new owner files with same evidence and later dismisses. I tried to make payment with cash to  XXXX  which refused to accept payments covering my P & I plus escrow.
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  XXXX   XXXX  ,  XXXX  OH court cases as follows :  XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   VS   XXXX   XXXX     XXXX   XXXX   XXXX   VS   XXXX    Current attorney for new lender is   XXXX   XXXX  , LSR #  XXXX , (  XXXX  )  XXXX .
I called current lender and they redirected me to above listed attorney.
I contacted  XXXX  on  XX/XX/XXXX  to discuss options for my home on   XXXX   XXXX   XXXX   ,  XXXX , OH   XXXX   in which I occupy.
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I since followed up with several emails to   XXXX   ( last 2 emails ) XX/XX/XXXX , &  XX/XX/XXXX  which are still are yet answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm having trouble making my payments for the fact that I 'm the only working to provide for my family because my wife lost her job. I applied for a loan modification as soon as I started struggling with my payments because of our loss of income. In less than  3 weeks  I was denied because according to  Ocwen Loan Servicing I  was not behind enough in order for them to help me lower my payment so I avoid foreclosure. I really believe that this is absurd and unfair that they tell me this and that is the reason why they ca n't provide me help. What they are saying is that I have fall way more behind on my payments so that they even give me a chance to save my home. This is why I 'm reaching out that to notify they are wrongfully reviewing my situation and not giving me and my family to try to find some type of solution to help me out. They told me about a repayment plan but that was only going to bring my payment higher no help at all since I was already struggling with my payment before. Please help I really need to save my home for the sake of my family. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 I was notified that my Venmo account was charged {$69.00} by XXXX. I immediately disputed the transaction since I do not actively use my Venmo debit card now do I use Venmo on my XXXX account. I provided screenshots of my XXXX account showing no transactions for {$69.00} or transactions that add up to that amount. Venmo cancelled my debit card and provided a temporary credit for that charge. Then on XX/XX/22 I received another email from Venmo saying the XXXX XXXXharge was updated to {$130.00} and I again submitted a dispute. The email from Venmo detailed two separate charges of {$69.00}, the first transaction has a date of XX/XX/22 and the second on XX/XX/22. I had then received another email from Venmo from the dispute team saying if I didn't hear from an account specialist on XX/XX/22 to reach back out, I gave them a few extra days and still had heard nothing. On XX/XX/22 I reached back out for an update and on XX/XX/22 Venmo stated that my dispute was denied and to check my inbox for details, I checked my inbox and received no emails with the denial. I responded back since I know the total of {$130.00} was in fact fraud. Venmo asked me to further information proving why I was appealing the denial, I again sent the screenshots mentioned above - since it was unauthorized I do not have further information. On XX/XX/22 I received another email from Venmo saying they can not appeal my dispute without further information since I don't have evidence from XXXX that the charge was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XX/XX/XXXX    XXXX   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   AZ   XXXX    reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. Neither do I contracted any private loan, mortgage loan, credit card debt or any kind of contractual agreement that involve any monetary value or the said claimed amount. My employment contract with  XXXX  does not include any agreement or clause that states that I will be charge with such amount whenever my contract is terminated or ends with   XXXX   XXXX  . A copy of my contractual obligation with   XXXX   will be attached for your review. I Remembered that I was employed by   XXXX   on  XX/XX/XXXX  as an   XXXX   XXXX   until  XX/XX/XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers, and  XXXX  pending sales to   XXXX   XXXX   who was my immediate supervisor, as per company policies. Since I left  XXXX , I have never in any form sold any policy to any person as a replacement from the policies that I have written when I was employed by  XXXX . When I became aware of this information on my credit report, I reported to Equifax about the inaccuracy of the report. I also contacted  XXXX  to provide me with information about any account in my name with explanation of how I owed such amount and have since never been provided with such information. Moreover,  XXXX  have never contacted me about any debt after I have separated from them.Reference complaint number  XXXX , you referred equifax to investigate my complaint. Equifax rather corroborated with  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , and added {$1.00} to the original amount of {$3400.00} to make it {$3400.00} and reported it again in my credit report on equifax official site. Now they have   XXXX   accounts in my name reported on my credit report from   XXXX   XXXX    through   XXXX   XXXX   XXXX   XXXX   XXXX   after the CFPB have referred Equifax to investigate my first complaint.  XXXX  of the account is reported as {$3400.00} and the other reported as {$3400.00} all from  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , This illegal behavior of Equifax, indicates that they are in corroboration with   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   to damage and destroy my credit worthiness and to prevent me from pursuing any career opportunities. Equifax behavior also showed gross amount of disrespect for the Consumer Financial Protection Bureau ( CFPB ) .I want all of this inaccurate information remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was in the middle of a medical crisis due to my  XXXX  before   XXXX   XXXX   and after   XXXX   XXXX  . I have made late payment twice this year due to my medical complications. Capital One gave me hard time waiving both late fees in both instances, they ended up waiving them. I made my most recent payment on the due date of   XXXX    XXXX , 2017, however it got processed on Capital one 's end the next business day, and was considered late since according to Capital one I did n't make it by the cutoff time of   XXXX   XXXX   ET. The disclaimer regarding the late fee on my statement clearly states the following : " LATE PAYMENT WARNING : If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to {$35.00}. '' I have a screen shot for this part of the statement, where the late fee mentioned once in that one statement only, exactly as stated above.
If the statement said [ If we do not receive your minimum payment by your due date & the deadline of   XXXX   ET., you may have to pay a late fee of up to {$35.00}. ] Then I have no excuse to get the fee waived and I am responsible for it in that scenario.
 XXXX 
Their statement regarding the deadline of  XXXX  ET is located above the new balance amount and the payment due date, separated from the LATE PAYMENT WARNING statement.        
In  XXXX  vocabulary, when we specify date it means day of the month & year excluding the " time '' of day.
 XXXX 
Capital one refused to waive it even though me and my husband offered to send them the PDF document that has the time stamp that proves the payment was made on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In   XXXX   of 2017, I paid back a medical in the amount of  XXXX . The creditor   XXXX   XXXX   XXXX   XXXX   advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to Debt Recover Solutions ( Collection Agency ) stating that  XXXX  has sold them my account which I owe &  XXXX . I explained to them the debt was already settled with   XXXX   and was removed from my credit file already before. But they insist I still owe the debt and trying to get my personal info. They are reporting to the credit agencies again and is affecting me from getting an apartment to live. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During 2023 I was charged {$290.00} in interest. I called numerous times to have payments reallocated to revolving balances instead of be allocated toward special purchases that were not due in full until a future billing cycle. As a result, I was continually incurring unnecessary interest charges. There were times when the interest saver payment was incorrect. I called Capital One to explain this and they could not explain to me how it was calculated. I was charged interest even though I was making payments in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX # XXXX has 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 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 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment was {$390.00} as on the sale contract too. but on my Experian report the monthey payment is {$390.00}. 
Also the terms on the letter & on the contract are XXXX months but on my experian report XXXX  months. 
The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY 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 2022-02-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This is a follow-up complaint that I have already made this is XXXX XXXX I received a notice which I'm going to attach to this complaint about a debt I do not owe about a payday loan it was XXXX XXXX XXXX at first and I sent in all the information to you about that one now they're contacted me using the name Ace Cash Express and they're threatening me saying they're going to charge me with check fraud banking violation regulation and identity theft I do not owe any debt of a loan never got alone in my life I called Ace Cash Express which I got from online the number and they said I'm not even in their system I am going to send the screenshots that I have took enough to email that was sent to me today it's really frustrating me because I know I don't owe anything and I can prove that with my bank account and checking account and they said they're going to do the lawsuit on XX/XX/XXXX and it's in XXXX XXXX XXXX I have never been or even lived in XXXX XXXX XXXX in my life I am from XXXX XXXX never Ben and to XXXX XXXX and the way that they're threatening to have charges put on me I know it's a scam because they're not allowed to do that they're claiming to be an attorney as well you will see this in the screenshot I sent you they also cleaned that I never responded to their first attempts I emailed them over 50 times with no answer please help me with this situation because it's very frustrating they're also threatening to tell Social Security about this situation and I collect XXXX so I know they're not allowed to do that either there is no phone number as you will see on the screenshot or address it just says Ace Cash Express and like I said I called them and they said I do not owe them anything I'm not in their system at all please look into this I would really appreciate it thank you for your time XXXX XXXX email address XXXX XXXX XXXX XXXX XXXX and all lowercase and also they never say my name they just say dear debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: AR
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:
On  XX/XX/XXXX  I began the repayment of my FFEL Stafford Subsidized Loan 's plus another FFEL Unsubsidized Loan. The repayment plan I selected was a Graduated Plan and at the time the loan was serviced by   XXXX   XXXX  . I was set up on auto-draft from my checking account to repay the {$15000.00} back with a term of 10 years. My payment began at  XXXX . The loan servicer 's name changed once or twice before 'landing ' as Navient. Now in order for my loan to work Navient should have increased my payment approximately every 24 months in order to meet the terms of the loan. From   XX/XX/XXXX   to  XX/XX/XXXX  I never missed a payment. In   XX/XX/XXXX  of l ast year I was contacted by Navient stating they did an audit of loans and discovered that in order to meet my loan repayment terms my monthly payment would need to increase to {$530.00} from the  XXXX  This was quite startling to me as you can imagine. I have many student loans and those from my  XXXX  education that are serviced by   XXXX   XXXX   XXXX   XXXX   XXXX   have only ever steadily increase every couple of years. I called Navient and asked why my payment was increased years earlier as the graduated repayment plan was designed to do and they admitted to a " system error ''. I must admit that I depend on the Loan Servicer to be the most knowledgeable about the loan terms and to ensure that what I signed up for is administered correctly. I tried to appeal this problem during   XX/XX/XXXX  &  XX/XX/XXXX   and was only offered the option to refinance my loan with new terms. My loan that I had just discovered was almost exactly the same amount after paying on it for 7 years as it was the day I began repayment through no fault really of my own. Truly I did not recall that this type of loan was only a 10 year repayment plan. I can find no paperwork outlining that. So that I would n't end up as 'defaulting ' on this loan I did end up refinancing it but instead of staying with Navient I had it transferred to   XXXX   XXXX   XXXX   XXXX   XXXX   in   XX/XX/XXXX      where I now pay approximately {$150.00} per month. However Navient collected $ 6000+ in payments from me with nearly all of it being applied to the interest only. Had my payments gradually increased as they should have I would most assuredly paid less in interest overall. Not to mention have the loan paid off as well. I never received any call, email, or snail mail that I can recall stating my payment needed to increase to avoid this financial waste and frustration. So even though they acknowledge it was a " system error '' they refuse to adjust the balance due on my loan to offset the miscalculated interest they collected. I filed a complaint with the AR State Attorney office and in their reply they additionally stated that since they are no longer the Loan Servicer that this is no longer their concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called my bank today which is the XXXX of XXXX and I reported fraudulent activity these are the dates and amounts that I reported XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$78.00} ( and this one I realized was not fraudulent, I remembered making this for a friend ) XX/XX/XXXX - {$830.00} XX/XX/XXXX - {$37.00}. 
Their fraud department deemed it was not fraud and closed the case!!

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 2022-12-15
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-07-16
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My complaint is about Coinbase, a digital currency platform.   XXXX   2017 I tried to verify my identification ( by uploading my Hawaii drivers license ) in order to increase the daily amount of bitcoin that I can purchase. However, because there is some issue with Coinbase not allowing Hawaii residents to open accounts, I became locked out of my account.
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The issue now is that every time I log in, I get this " unable to create account '' screen and I can not get to my dashboard to move my funds out and close my account. I do not have any issue with Coinbase not allowing Hawaii residents to open accounts. My issue is that I 'm caught in this catch 22. I want to move my funds out and close my account, per Coinbase 's rules, however, I ca n't get to my dashboard to do so.
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I 've been emailing Coinbase 's customer support almost daily since  XX/XX/XXXX  and have yet to hear a response. They do not have a customer support phone number. I have over {$1000.00} in my account which I can not get access to. It 's very frustrating and I 'm not sure how else to contact Coinbase.

Company response to consumer: Closed with explanation