BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Payward Ventures Inc. dba Kraken
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I'm contacting this federal agency because what I believe to be mismanagement and lackthereof control of private keys regarding digital asset securities known as 'cryptocurrency transfer accounts '. There was a mismanagement of my personal property of XXXX Hex ( non-security similar to bitcoin ) ; a Erc-20 token on the Ethereum network. Kraken blatantly withheld my funds amounting to roughly XXXX USD at the time of XX/XX/2021. The Hex they have withheld from me is now worth {$8100.00} USD and growing. Kraken is a cryptocurrency exchange ( Owned by Payward Ventures Inc. ). The SEC and FinCEN have stated that digital asset security exchanges that handle virtual currency like bitcoin must be able to prove and provide full control and responsible management of private keys and wallets while transferring and handling of private funds. I sent a ERC-20 token to my Kraken ethereum wallet address that they provided me on my kraken account on 'XXXX ' around XXXX, XX/XX/2021. I have a confirmation transaction address on Ethereum to confirm that the funds were deposited in the eth address kraken assigned me at that time. I was unable to access the funds after being locked out of my kraken account. Soon after, I opened up a support ticket asking Kraken support for a reversal or migration of my XXXX  ERC-20 token funds and to unlock my account. I wanted my XXXX erc-20 tokens to be transferred to my personal eth address instead of the kraken address they provided me. Kraken support told me to fill out a service ticket to send to the Kraken support team for further review around XXXX ( MT ), XX/XX/2021. XXXX from Kraken support followed up on a confirmation of receipt of ticket at XXXX, XX/XX/2021. He said their team was reviewing my case and will get back to me. On XX/XX/XXXX, around XXXX ( MT ) XXXX ( Kraken support ) stated Kraken could not use the private keys to the Ethereum address to send my funds back to me and closed my ticket # XXXX. I went to their kraken  XXXX support page to see if anyone had the same issue, and many users are having the same problem. Some have been waiting months or even years to get a response back from Kraken. I'm in communication with 12 other individuals on a private forum that have had the same situation and their erc-20 tokens withheld from them with the same robotic response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today, I am writing this complaint to PORTFOLIO RECOVERY regarding the incorrect information on my account. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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:
I received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.

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 2020-10-03
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 been disputing 2 medical collections showing up on my credit report, i had success getting collections removed by XXXX no problems, but experian and XXXX are not helping me at all. This is affecting me from getting a good rate with my bank. my friend suggested this website before we try to sue experian and XXXX in federal court. 

im requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete of my credit reports. or i will sue in federal court.

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been disputing 2 medical collections showing up on my credit report, i had success getting collections removed by XXXX no problems, but XXXX and transunion are not helping me at all. This is affecting me from getting a good rate with my bank. my friend suggested this website before we try to sue XXXX and transunion in federal court. 

im requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete of my credit reports. or i will sue in federal court.

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 2020-10-03
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My hazard insurance was paid upfront at closing for 1 year and 3 months. After 1 year XXXX/Dovenmuelle contact me with several threatening letters stating I need to buy. I contacted insurance company and they said XXXX refused to pay and only called asking for EOI. XX/XX/XXXX was end of policy. It even states it will renew automatic unless I contacted them. I had insurance company extend coverage on XX/XX/XXXX so they could send bill. 14 days later they cancelled policy. XX/XX/XXXX I reached out to XXXX and Dovenmuelle explained they were not abiding by closing agreement and mortgage agreement. XX/XX/XXXX they purchased a policy 3x more expensive, and doesn't cover my family or belongings. They still, even with me sending my mortgage agreement, will not return my money from escrow and threatened me with foreclosure while I'm under forebearance and fined me for late payment under forebearance Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 I was getting calls from PennyMac to reduce my interest rate however they could not do it due to the type of loan that I had. I requested that they no longer contact me and did request that they cease all communication going forward. I still kept getting calls and letters from them and made a report with CFPB XXXX. The report was taken and sent to XXXX XXXX. on XX/XX/2018 XXXX XXXX did respond and stated that they would remove me from marketing list but didn't mention anything about the request to cease communication. Today XX/XX/2018 I got a call from XXXX XXXX from phone number XXXX asking if they could lower my rate. I asked the agent if he saw on my account that they should not be calling me for marketing and he said that he did see that on my account but they called anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2022-09-16
Company: Conduent Incorporated
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I tried to set up direct deposit with the way to go card and was told on the website that the transaction is suspended due to fraud on the card and to call customer service. When I called customer service the lady said I have to set up direct deposit thru the ivr I told her that does not sound right and also questioned her about the fraud message she keep repeating the set it up thru the IVR. I asked to speak to a supervisor she hung up on me when I called back. Someone answered and they never said anything just silent. I can only call this company so many times a month without being charged for calling customer service and the reps are playing on the phone hanging up and not saying anything when I call back. I just need to set up the direct deposit. The customer service is truly bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My XXXX XXXX account was hacked by scammer on XX/XX/23 and a fraudulent ZELLE transferred was made and not authorized by me. I received a text stating : We declined {$100.00} at XXXX XXXX, and I logged onto my XXXX XXXX  account and saw the fraudulent transaction XXXX XXXX and then noticed the fraudulent, unauthorized Zelle transaction for {$4900.00}. I reported both transactions to XXXX XXXX department and XXXX opened 2 claims for the fraudulent charge and a second case for the fraudulent Zelle transaction. XXXX informed me they may not be able to recover the fraudulent Zelle transaction and it will take them 10 days to investigate even though they can see the Zelle funds were transferred to XXXX  XXXX XXXX and name of the person that received the funds via Zelle. As a consumer, this doesnt sit well with me that there is no consumer protection against XXXX XXXX  like Zelle XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt collection letter in the mail today from XXXX. The letter shows Capital One Bank as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX XXXX does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.

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 2021-04-05
Company: AES/PHEAA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX, and I've been having trouble getting AES student loans to disclose basic loan information to me. I'm currently enrolled in an IBR program. 

I've written to AES several times to request information about when my loan will be eligible for forgiveness. After several emails requesting specifics regarding the date on which my loan will be eligible for forgiveness, I received the following response on XX/XX/2021, in which I was advised that " We are unable to provide the number of qualifying payments you have made or need to make to achieve loan forgiveness through this program. '' And that " We will notify you no later than 6 months prior to the anticipated loan forgiveness date when possible. '' To make this even worse, I received this response after reporting AES to the Department of Education for the refusal to disclose legally mandated loan information to me. 

This simply does not work for me, and quite frankly, I'm appalled that AES is intentionally refusing to provide me with basic information about my loan information it is required to give me by law. I'm stunned that AES actually thinks that telling a borrower to just go away and keep paying on a loan while actively withholding information about that loan is nothing short of XXXX. Quite frankly, it's outright illegal. I have no idea why I should be expected to continue paying a loan when essentially, AES is refusing to let me know when the terms of that loan will be satisfied or how many qualifying payments I have already made. Is AES seriously suggesting that I should simply trust them to tell me when I no longer need to make payments on the loan. Because of AES 's refusal to disclose this information, I have no way to review payment history or check it for errors which is a basic element of consumer protection rights and an absolute must given all of the known issues with AES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ECSI has attached a debt to my credit and willfully violates an automatic stay order of my chapter XXXX bankruptcy in defiant violation of the Fair Credit Reporting Act ( FCRA ). They were notified on three occasions ( via mail, phone and email ) of bankruptcy filing by my attorney and myself. XX/XX/XXXX in the XXXX XXXX of California chapter XXXX was filed on my behalf by attorney XXXX XXXX case # XXXX. ECSI refuses to remove the debt from my credit in clear violation of FCRA. 

Further, the debt is for a student loan allegedly dispersed to me in 2004. The last year I attended XXXX XXXX was XX/XX/XXXX. This charge is fictitious. 

The misreporting of this information has had a negative impact to my credit. It has also recently caused me to be declined for credit. The stress of trying to correct this with the company has been both burdensome and time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this debt collector asking to verify this debt. 
They did not include a copy of the medical documents I requested. Instead they sent me another letter stating I owe the amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I defaulted on a student loan. I requested a forebarence form which I never received and my loan was sent back to the department of education. Around XXXX I made 2 payments to the department of education. They requested my 1040 tax form to enter me into a payment plan. I send it in to the address they provided in XXXX ( uncertified ). I did not hear from the DOE until XXXX XXXX XXXX  send me a letter on XX/XX/XXXX. When I called the DOE they said they never received the 1040 tax form and considered my account in default. I filled a complaint at that time with the DOE because not only was I concerned my account was put into default I also was concerned they lost my 1040 tax form. To this day I have not received a response to my complaint. 

Sequence of events : XX/XX/XXXX - received initial letter from XXXX XX/XX/XXXX - I called company and was deceived into beginning the process of the loan rehabilitation program. They made me lock in a payment and auto withdrawal payments going forward. 

XX/XX/XXXX - After realizing I did not have to make payments on a loan I disputed, I sent a certified letter requesting validation of the debt. 

XX/XX/XXXX - Certified letter received by XXXX *Through the month of XXXX they continued to call me although they were supposed to stop all collection efforts, collection efforts ceased after I filed Attorney General. Although calls have stopped after XX/XX/XXXX, they continue to attempts collecting the debt by sending me request to sign up for the rehabilitation program. 

Around XX/XX/XXXX I filed a complaint with the department of education and have not heard back to date. I also filled a complaint with the attorney general. The attorney generals office sent them a letter and XXXX sent a letter back stating they never told me I was going to have my wages garnished {$1600.00} per month. They also said they would send validation of the debt once they received it. It's my understanding that the document they attached to the letter they sent the attorney general does not qualify as " validating '' a debt. There is not even an amount on it! When I called the school, I was told their records show the amount of the loan I took out was a little over {$2500.00} but their letter says it's $ 40,000+ but they can not provide me with anything showing that to be true. 


Thank you, 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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
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

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 2023-10-21
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-10-03
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Funding filed a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Alabama. I was never duly served with the complaint and a default judgement was entered against me on XX/XX/XXXX. 

I did not learn of the lawsuit or default judgement until my employer was served with a garnishment order on XX/XX/XXXX. I filed a motion with the court to set aside the default judgement to allow me to answer the complaint. XXXX XXXX set aside the default judgement on XX/XX/XXXX. 

The attorney for Midland did not have any evidence at the hearing to argue the case, so the judge set a hearing for XX/XX/XXXX. On XX/XX/XXXX, the judge set a trial for XX/XX/XXXX. 

On the date of the trial XXXX XX/XX/XXXX XXXX, the plaintiff ( Midland ) did not present any evidence to the court showing that I owed the debt or that they were the owners of the debt. The evidence entered was unsatisfactory to the court, as it had absolutely nothing to do with me. The attorney requested a continuance on the case to allow him time to gather evidence. The judge, reluctantly granted the motion, but stated that he would not allow any more continuances on this case and expressed his displeasure with the attorney for coming to court with no substantial evidence and stated that with his granting of this motion that the plaintiff better come back with evidence. 

After the trail on XX/XX/XXXX, the defendant filed a motion with the court to dismiss the case ( Apparently they had no sufficient evidence ). 

On XX/XX/XXXX, the judge entered an order ; dismissing the case in my favor. 

I have since then filed disputes with XXXX, XXXX  and XXXX to have all traces of Midland removed from my credit. XXXX  is the only credit reporting agency that has adhered to the judge 's order and removed this information. 

Midland should have themselves removed this information, yet they have made me jump through even more hoops to remove something from my credit that I do not owe them. This just substantiates the further harassment by Midland and their cronies.

Company response to consumer: Closed with non-monetary relief