BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had believed I was gaining employment with XXXX XXXX, a at home data entry position, being XXXX  and able to stay home with the baby and still contribute to my family. This was an ideal position. I had an interview which I believed was from XXXX along with filling out an employee form. I was advised I would have to purchase a laptop along with associated software from their vendors but the company would send the checks to do so with. After receiving the checks I deposited them in my bank account. I got a text from Webster Bank stating, Funds are normally received within two business days. Please keep your paper checks until the funds are posted to your account I waited before sending any money to the vendors until the checks were posted to my account, as per instructed from the bank leading me to believe the checks were legitimate. I did keep the checks even though they were posted to my account and have been able to include them in my police report along with the complaint I have made to F.B.I. cyber crimes. After sending several checks I decided to check my app for my bank and found payments were being made at the same time the checks were being charged back. I dont understand why those payments werent stopped. I immediately called the bank and was advised I had to file a police report and go to the branch. I went to the Webster Bank, the XXXX branch where I spoke with XXXX XXXX, director of banking, showed the police report and asked why the checks were posted to my account without any hold on them, leading me to believe they were legitimate. I was told by XXXX that by federal law the bank has to post a check within 24 hours. I requested to stop the payments and was told there was nothing they could do, checks charge back even 4 days after I was at the branch with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CREDIT COLLECTION SVCS XXXX XXXX XXXX XXXXXXXX, MA XXXX. Has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. The Company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: MA
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
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:
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.

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 2022-01-20
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) have all violated my rights. 

15 U.S.C 158+ section 602 A, states I have the right to privacy.

15 U.S.C 1591 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions..

2 of the accounts are past the statue of limitations in the state of iowa. And the accounts are inflated and the furthest from truthful. 


and for XXXX and XXXX XXXXr. My identity was stolen and these accounts were opened fraudulently. I notified them both.

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 2021-06-23
Company: Peer Advisors, LLC
State: NH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
from ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.. 
XXXX NH XXXX '' in regards ' ''CE LINK bank contract XXXX ... ... 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. this is a demand request to ; ... ... ... ... ... ... ... ... ... 
to ; '' ... HUD. 
... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NH XXXX fax XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good day ; having been informed by ''ce link ' bank that contract XXXX has been transferred to HUD a US FEDERAL AGENCY, Reason given there was no value remaining in the property having been removed with interest and other unexplained charges. 
and CE LINK bank a private business, no longer wanted any cost in holding. 

I have requested a copy of all contract changes on many occasion in ''sign for, ''traceable legal notification form '' the ce link bank never responded. 

I herein request that HUD a US federal agency, respond to my request for a copy of said contract as given to HUD in the transfer.. 
i have received no legal notice from HUD as to the ''transfer '', only a verbal phone call from ce link bank..

i could not reach HUD by phone waited in cue one hour no answer. that will be in the phone company records.

Ihave sent emails to HUD, no reply.. 
____ please excuse my demand format '. 

XXXX XXXX signed my email land phone XXXX XXXX XXXX with message answer,..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Since XX/XX/XXXX I have been assigned XXXX ( XXXX ) " Dedicated Loan Specialists '' from Nationstar Mortgage , LLC to assist me through my Loan Modification process. My most recent specialists, XXXX XXXX XXXX states on his voicemail states that his name and contact number were erroneously added to thousands of Nationstar Mortgage correspondences by a computer mistake ; He then gives you the general number that contacts an automated response. I found out yesterday ( XX/XX/XXXX ) speaking to a Nationstar Customer Service representative that I do not have nor did I ever have a Dedicated Loan Specialist assigned to my account ; furthermore, he stated that my history had no one assigned to my account. ( This must be why I have not been able to reach any of these people! )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : I purchased a home on XXXX XXXX, XXXX in XXXX XXXX County, MD for {$220000.00}. It was a predatory loan ( s ). On XXXX, XXXX the original loan ( s ) were purchased by XXXX XXXX & XXXX ( XXXX ) for $ XXXXXXXX7.25 % interest rate. XXXX gave me a modification ( 5.25 % interest rate ) ( charged me {$18000.00} for the modification ) and XXXX owners went to prison for fraud. The loan went into default as the modification was insufficient to address my financial hardship. XXXX XXXX now claims to have been the financier of the loan and is demanding full payment and is in the process of foreclosing. I practiced poverty law as a defense attorney until I had to retire in XXXX due to a XXXX. I want to keep my home. It is now valued at an estimated {$99000.00} or less. I believe I am the victim of fraud, predatory lending, unfair business practices, and XXXX only knows what else. I have a foreclosure sale date of XXXX XXXX. A previous foreclosure sale was dismissed by the courts. I do believe it had something to do with the documents being altered. I spoke with the county prosecutor 's office. They agreed that the signature of the notary was potentially fraudulent on the documents but was under a mandate to allow the courts to proceed with the foreclosures despite the lack of integrity of the documents. Thank you for taking the time to read this. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: FIRST CENTENNIAL MORTGAGE CORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First Centennial Mortgage initiated my home loan in XX/XX/XXXX, then sold it to XXXX XXXX  for a few months, then bought it back in XX/XX/XXXX/XX/XX/XXXXXXXX. XXXX XXXX  is the only one that notified me of this, and First Centennial never sent any type of notification, so when it was time to make the payment I called them, and they directed me to make a generic type of payment on their website. I've been doing that for months now, and have NO INDICATION of whether my payments are being applied. They have not sent or emailed any statements or information regarding my loan at all since XXXX when they acquired it. I have called, left messages, sent emails, multiple times, spoken with representatives that say they will send something, but they never do. They have my phone number, email, and home address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent a written notice to TransUnion regarding the incorrect address, names, and date of birth on my credit report. They have refused to remove them and not getting any ready as to why this misinformation is on my 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 2022-01-20
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I got an email from chime on Thursday XX/XX/XXXX stating that they will be closing my account with no reasons at all. Friday the XXXX of XXXX, I tried to log on to my account and they didn't allow me to due to my account being closed. In the account there was {$750.00} in my checking 's account. I have emailed member services a whole week about getting my money back and nobody has gotten back to me about the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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: Information belongs to someone else

Complaint:
After reviewing my credit report I noticed false and fraudulent information reported on my credit history. I am honestly disappointed and tired of scammers stealing identity and using it as there own! Only to hurt working class individuals like myself, livid!

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 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX consumer report. I don't recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: MD
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. 

XXXX XXXX XXXX XXXX XXXX XXXX ( {$6200.00} ) XXXX XXXX : # XXXX ( came back as fraud shows as a repo on my report ) XXXX XXXX XXXX ( AutoLoan No XXXX # {$10000.00} ), # XXXX {$570.00} credit card ) all of the accounts listed above have 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 an 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 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 explanation
Consumer complaint received 2021-06-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been harassed and abused by the Conserve debt collection company. They have attempted to collect a debt that I do not validate as I am the original creditor under 15 USC 1692g. Conserve illegally obtained my personal information without my written consent, because I never did business with CONSERVE, and they have failed to provide me a contract between Conserve and I stating I gave them the right to defer any payments to me or obtain my information. no consent is identity theft and CONSERVE is criminally and civilly liable under 18 USC 1028A. I've attached all the exhibits backing my claims. I expect the CFPB to force CONSERVE to remedy this situation with proper consideration that does not break federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY XXXX XXXX XXXX TO EXPERIAN FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER XXXX YRS NOW. XXXX KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. XXXX HAS JUST FLAGGED MY ACCOUNT WITH EXPERIAN THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? XXXX HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE XXXX OLD CHARGES RE-APPEARING AS NEW

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 2023-12-11
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a coinbase.com account. I set up XXXX with an authenticator device but had to factory reset my cell phone which erased the authenticator details I need to log into coinbase. 

To reset my coinbase authenticator I have to verify my identity through am automated verification system on the coinbase app which has me upload pictures of my driver 's license and my face. I have attempted to do so XXXX times in different lighting conditions, but the process continues to end with an error message. 

When I try to contact Coinbase support I must first 'sign in " before the support chat will connect me to a live agent. Due to the issue with XXXX, I can not sign in so I can't talk to an agent. 

When I call coinbase an automated voice tells me " call volume is extremely high '' and it hangs up on me regardless of which option I try. 

I submitted a complaint to Coinbase and they have redirected me to the same processes I've already tried. So I tried them again, but I'm still getting an error on ID Validation so I can't sign in to talk to a support agent. Coinbase sent me an email this morning ( XX/XX/2023 ) that my case is being closed and to contact support ... UGHH, they are so dense! 

All I want is a way to reset my XXXX that doesn't require me to sign in to talk to an agent. Coinbase could pick up the phone? But they seem unwilling to do so. I've spent XXXX hours trying to resolve this since approximately XX/XX/XXXX. I have read all the support articles, but they all lead back to 'signing in " ( which I'm unable to do ) to talk to an agent. 

Either through negligence, apathy or unwillingness to provide access to my funds, coinbase is keeping me, and I'm sure other users from gaining access to their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BMW Financial Services NA, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

BMW FINANCIAL SERVICES XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the XXXX complaint against NationStar the continuously reply back extending the time to get back with me. Now I am finding that since XX/XX/XXXX when I purchase my home and later XX/XX/XXXX Nationstar bought the loan no one recorded my deed of trust nor did they record my Modification nor did they tell me that I had a second lien, after several times asking. it appears the modification was never recorded and the original deeds still remain. Since I have this XXXX, w hat happen if I foreclose or short sell. They also told my Realtor the same story I only have ( 1 ) lien with them. Later I 'm thru HAMP and HUD is taking part of my loan so yes I do have a ( XXXX ) lien. Please help, I do not want the home and trying to short sell, but I am afraid of being sued. I have medical bills, divorced and the house was damage XXXX XXXX and insurance only paid a fraction of the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting the addition of an account to my credit report, as I have been unable to see it reflected despite several previous attempts to communicate with the Equifax team. Despite my previous efforts, the account has not yet been added to my credit reporting profile. I need XXXX account to be added to my credit reporting profile. I am human there is no XXXX party.

Company response to consumer: Closed with explanation