BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/22 I answered suspicious email and immediately phoned Coinbase to see if it was legitimate. I was told no. I asked if account could be shut down and was told it was unnecessary as the lady was monitoring it. I have detailed records of timing of calls and names of people I spoke to. After a lengthy chat i was told all was fine. I hung up and half of my approximately {$120000.00} account was missing. I called back and hit shut down protucol. I spoke with a person and was told the account was shut down. After another lengthy chat, I looked and the remaining funds were gone. I was later told by coinbase that the account was never shut down even though my requests and calls were recorded. I have documented this several times for Coinbase. 9 months have gone by and only generic responses. I was told 3 months max response time. I have coinbase records proving time and length of calls and the multiple withdrawls made by the scammer. It is apparent to me that Coinbase fears no regulatory agency and that they think themselves a law unto them selves Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company XXXX XXXX XXXX XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are THE LAW OFFICE OF XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent method of verification dispute to Experian and never received a response within the 30 day time frame and nothing was updated and or validated from my credit report below is the following account that was never verified and must be REMOVED : XXXX XXXX US DEPT EDXXXX XXXX US DEPT ED, US DEPT ED, US DEPT ED, US DEPT ED, US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Collection, XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry, XXXX XXXX- Inquiry, XXXX XXXXXXXX XXXX- Inquiry, XXXX- Inquiry, XXXX XXXX Inquiry, XXXX XXXX XXXX- inquiry, XXXX XXXX XXXX XXXX, XXXX- Inquiry XXXX XXXX XXXX Inquiry, XXXX XXXX XXXX, XXXX XXXX- Inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a customer and does business with Bridgecrest as my credit report shows. I have viewed my credit report and noticed a few errors and FCRA violations with Bridgecrest reporting. I have personally attempted to fix this matter verbally with Bridgecrest and i also tried to fix this matter via the consumer reporting agencies ( XXXX, and XXXX ) in which from the consumer reporting agencies they assured me that it was validated and correct and XXXX percent accurate which in fact it is not. Bridgecrest is showing late payments on credit report for XXXX, XXXX. it shows the months and years of XXXX XXXX late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The issue with that is Bridgecrest have violated my rights per the FCRA XXXX, it states if any financial institution that extends credit ( which they in fact extended me credit per my credit report ) and regularly furnishes negative information to such agency ( agencies are XXXX  XXXX, ) regarding credit extended to a customer ( i am the customer ) the financial institution shall provide notice of such furnishing of the negative information in writing to the customer. Well i have never received any such written notice from Bridgecrest. Late payments are in fact negative information. The allotted timeframe for such notice has come and gone. My life as well as my XXXX XXXX XXXX are being affected by this reporting. I do understand that in regards to violations of the FCRA that XXXX XXXX of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Which there have been damages done to me, i have been denied extended credit, increase in interest rates, judged upon based on this credit reporting i mean this has completely stressed me out. What i am requesting is that Bridgecrest update remove and update all late payments on my account with them on their file as well as with the consumer reporting agencies ( XXXX, XXXX, ) to remove the late payments and update them to paid on time and paid as agreed and that they follow the laws in which they are to abide for the better being of their customers

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 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal XXXX XXXX. The money order clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. XXXX XXXX number XXXX was made with the proper clauses and provision based on banking law in the amount of {$6000.00} in accordance with HJR-192 Public Law 72-10, U.C.C. 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to NAVY FEDERAL CREDIT UNION on XX/XX/2023. I called on XX/XX/2023 and spoke with one of their customer service representatives. A copy of that phone conversation will be attached. They refused to stand in honor of the law by applying the proper payment to my account. They returned my instrument and did not discharge the debt.They continue their collection efforts with threats of closing my account ; even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was a XXXX XXXX loan and was a 10 year interest only. I have been trying to modify since this loan was serviced by Aurora. It was then transferred to Nationstar. So I have been trying since 2011. They have now added the principle and the amount is too high for me to afford and the last denial stated I was denied because I was current with my loan and that I have sufficient income and assets. This is far from the truth. They added almost a XXXX to my payment to include this as principle. So now my payment is like XXXX. My take home pay is XXXX, The money I have in the bank is what I owe now that I am behind since XXXX and I have been saving so I can make at least XXXX payment. If I was modified at the time or any time prior to adding the principal I would not have fallen behind. If you look at my payment history, I have fallen behind and shows that I have been struggling for awhile to keep my payments. I even got help from Keep Your Home California with the reinstatement but NO modification. I am not asking for a free home but I just want something I can afford. My wife takes home about XXXX and we have XXXX child XXXX years old. This is our community and where my son grew up. I need your assistance with XXXX XXXX and Nationstar. The only assets I have is in a retirement account and they are using that against me. What will I do when I do retire?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have perfect credit and NationStar bought my Mortgage from XXXX. XXXX thing is they charge XXXX for processing your on time payments via their website. Next I tried to call the customer service line and I need to type my information in many times but it never worked, next If you speak your information it takes a few times to get that to work as well. Once you do get to a representative they ask for the information again because it does n't feed to the representative. They also introduce them self as a DEBT COLLECTOR. Next I begin to tell the badly trained XXXX rep. about the {$10.00} fee and she said it is a processing fee. I told her that the letter I received stated that they honor all terms of the original mortgage and fees for payment was not included. I ask for a manager and never got XXXX ... The call was disconnected after a few minutes being on hold ... I called XXXX with the same story and XXXX time I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CITIBANK, N.A.
State: WI
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland Mortgaged REDUCED payments for three months to {$92.00} due to economic hardship. I made the reduced payments of {$92.00}. They in turn reported the payments late which negatively and drastically effected my credit score by XXXX points. 

I called on XXXX, XX/XX/XXXX and XX/XX/XXXX and have not received written acknowledgment that this was a mistake, despite several customer service agents verbally saying so. 

Midland Mortgage needs to accurately reflect the status of my mortgage payments. 
Payments were made on time for the months they reported late. Payments received after the XXXX  of the month are late. In the history of my account, I have never made a late payment.

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 2015-05-29
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We applied to refinance our mortgage ( same company as the present mortgage, but at a lower interest rate and for fewer years ). I was told it should take 20 XXXX days to complete but it seemed there was XXXX issue after another ( some of which I did n't understand ) and it ended up taking XXXX days til we signed. Communication between the mortgage company and us was very poor. When I would finally get through to the person I was to talk with, I got excuses why things were n't moving along as promised and they were very slow to return my phone calls. I never did talk to the loan originator that was listed on the paper work, only the loan processor who seemed never to have answers, only vague excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: WI
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 have ALL 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 2022-05-02
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX XXXXXXXX DOES NOT BELONG TO ME. IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: ID Analytics, Inc.
State: RI
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:
Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into forbearance in XXXX of 2020 and was given 12 months of forbearance. I was told I was in loss mitt and that I needed to continue payments or I would be kicked out of loss mitt. So I caught up on all of my payments and I had given them 90 days and they said they mailed something to me. I never recieved anything. I have been calling back Monday the start of every week trying to get a call back or something. No such luck. Now I am late in XXXX and XXXX. My loan modification for covid 19 should have been in effect by then. I was advised by the foreclosure prevention service to file a complaint because this is a common happening in the dovenhule mortgage company. Also my credit is ruined. I have proof of payments made from end of forbearance to XXXX and XXXX XXXX XXXX. Through XXXX. and now I was told that I can't apply for any more help even though the program I was needing wasnt available at that time. So my credit is showing 180 days late which is untrue. I have made payments to them, I am only 1 or 2 months behind right now. This is insane they say I should be recieveing info in the mail. And I never do. No one calls me back, and if they are using the terrible credit score they forced upon me I won't be getting a very good loan modification. So in the loan mod the forbearance was going to be added to the end, I was to get an interest rate reduction and I was having the pmi removed because it's below 80 % ltv. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX amount {$5100.00}, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 victim of identity theft. I have submitted information to the credit bureaus and included a notarized affidavit, ftc report etc due to all accounts that have been compromised by theft. However, they have not been abiding by the FCRA laws which they should take the proper procedures to fully investigate the theft matter. They havent assured any accuracy. They are using 3rd party data-base. In continue to report false and in-accurate information.

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