BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: TRANSWORLD SYSTEMS INC
State: MO
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: Billing dispute for services

Complaint:
I have numerous medical bills on my credit report which goes against the laws. XXXX XXXX have to open accounts on my credit report, account resolution services, transworld system and account resolution corpo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
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: Billing dispute for services

Complaint:
I have numerous medical bills on my credit report which goes against the laws. Wakefield associates have to open accounts on my credit report, account resolution services, XXXX XXXX and account resolution corpo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Navient Solutions, LLC.
State: MN
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:
Navient has failed to provide correct and up-to-date information about my loans. Even with the information that IS provided, it is VERY confusing. On my account, it states that on XX/XX/2020, a payment of {$840.00} was made to ALL of my accounts with Navient. Yet, it says an amount of {$270.00} was due on XX/XX/2020 when there was a payment already made. So I am unsure how to proceed because I am unsure if Navient is processing my payments correctly which will only further harm me and my credit. I demand that Navient provide accurate information and processes my payments correctly as I feel that I am over paying on my student loans. They are taking more money from me, which is harmful and deceitful, and not properly notifying me about what they are doing with my payments. 

In addition, a Navient representative told me that the reason why my payments were not processed properly was due to them " not seeing '' instructions that accompanied my XXXX payment. When I asked an XXXX representative, they told me that Navient should be able to see it. Therefore, Naviet lied to me about not seeing my instructions and have been incorrectly parceling out my payments for an unknown amount of time. Again, clearly a deceitful practice that harms XXXX members that Navient uses for their own gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Sarma
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/XXXX, I went to Quality Urgent Care in XXXX XXXX, Texas for an unusual urgent visit. I am employed by the XXXX as an XXXX XXXX XXXX and I was stationed in XXXX XXXX, Louisiana at time while visiting XXXX XXXX for 30 days. I immediately reported the visit to XXXX or XXXX when I got back to XXXX XXXX. On or about XX/XX/XXXX, I received a notification by all three credit bureaus via application notification on my smart phone that all of my credit scores had dropped an average of 100 points due to Sarma Collections being added to my credit report without my consent. I immediately contacted Sarma to see why this was added to my credit reports and she did not provide with sufficient response. I told her that XXXX should be taking care of the bill and you should remove this debt until you give XXXX some time to look into my claim and pay for it. She told me she would call XXXX to clear this up and I did not receive any information. Sarma Collections and their phone number is ( XXXX ) XXXX. I paid the debt of {$320.00} today to Sarma Collections and requested that it be removed because of violation of the Fair Trade Commission Act on my behalf. Also, her excuse for me not being contacted is that I changed my address. It is not right that I was not given the proper amount of time to pay to debt so it would not post to my credit report. I am trying to buy a house and I also have a security clearance to maintain my job that will be affected behind these subpar business practices to get consumers to pay debts. Please help me get this collection off all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Riverwalk Financial Corporation
State: MD
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:
Hello, I received a letter from XXXX in XX/XX/2020 stating that I owe a debt to DeVille Asset Management , LTD in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up. 

Please report XXXX, DeVille Asset Management , LTD, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous credit cards listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: PA
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:
After recently looking at my credit report, I noticed account and inquiries reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, that does not relate to any credit transactions that I have made. Removed these items from my credit report because they are fraudulent and hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The following is a summary of my case : 1 ) XX/XX/2018 - XX/XX/2018 : I made a reservation for a cruise with XXXX XXXX XXXX ; they charged my credit card {$4300.00}. 
When I made the reservation I informed the agent that will have to cancel the reservation ; if my health gets worse, and prohibits me from travelling ; thus, I could not travel, and the agent informed me that it is ok to cancel any time and get my credit card refunded the full charged amount of {$4300.00}, because health conditions reasons are acceptable to cancel, he stated. I was assured that I could cancel any time and get a full refund. 

1 ) XX/XX/2018 - XX/XX/2018 : I called XXXX XXXX XXXX and I canceled the reservation, and XXXX XXXX XXXX told me that they would credit my master card with the full amount of {$4300.00}. I was expecting full refund. 
2 ) XX/XX/2018 - XX/XX/2018 : I also called Citibank and informed them that I cancelled the reservation. 
3 ) XX/XX/2018 - XX/XX/2018 ( XX/XX/2018 ) - Citibank issued full credit to my master card. 
4 ) XXXX XXXX- Citibank reversed the credit without sending me the mandatory letter of my response and failed to give me a chance to respond to XXXX XXXX XXXX . 
5 ) XXXX XXXX XXXX issued a credit of {$120.00} only. This act of issuing a credit of only {$120.00} ; XXXX XXXX XXXX intentionally tried to confuse and mislead me by refunding / issuing a fraction of the full amount of {$4300.00}. 
6 ) The reversal of the issued credit by Citibank without giving me an equal opportunity to respond rises to be a collusion between Citibank and XXXX XXXX XXXX, and a conclusion that follows logically the series of events that led to the two companies, XXXX XXXX XXXX and Citibank to keep my money without complying with due process. Instead, they mislead me as a consumer acting in good faith. 
Citibank abused its power when they reversed the credit without giving me a chance to respond to XXXX XXXX XXXX misleading promise to credit my Citibank master card the full amount of {$4300.00}. 
Conclusion is that a collusion between Citibank and XXXX XXXX XXXX to keep my money, and abuse of power by both Citibank and XXXX XXXX XXXX. 
I am asking you to help me recover a full refund of {$4300.00} as XXXX XXXX XXXX promised and according to our agreement. 
Sincerely, 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 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Once again, XXXX XXXX XXXX has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: LoanCare, LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I submitted my paperwork for a Loss Mitigation/Loan Modification with Loancare ( my new mortgage company ) on XX/XX/XXXX. My request was that my mortgage amount should be lowered so that I could afford to make monthly payments. 

Although I had submitted every single document they requested, they continued to delay taking a final decision. I made numerous phone calls to their Customer Service department, even spoke with supervisors in the Loss Mitigation department in in XX/XX/XXXX. I wrote down the names of those supervisors and customer service staff. All of the Loancare staff assured me that I will NOT be reported to the credit bureau for late payment, since they were still processing my Loss Mitigation request. In fact, an under writer was reviewing my completed file. In early XXXX, I was informed that my paperwork had been transferred to an under-writer, for me to expect a phone call, email and letter about my request anytime before XX/XX/XXXX. XXXX XXXX and another supervisor confirmed that I 'll get a final answer by XX/XX/XXXX about my request for loan modification/loss mitigation. 

I was shocked to learn that in early XX/XX/XXXX, Loancare had reported me to all three Credit Bureaus for being 180 days late in my mortgage payment. 
My Credit is ruined and I 'm unable to get a loan to buy a new home for my family. 

Loancare reported me to the credit bureau for non-payment while the mortgage company was still processing my request for Loss Mitigation.

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 2020-02-27
Company: The Phoenix Recovery Group
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not able to pay the company because I was on the run from my then fiance who was abusive. He was very abusive  and I had to leave over night with our XXXX. I have not been able to pay anything because I am not working. This account was opened on XX/XX/2017, the amount owed is {$710.00}. I have a police report to show evidence. I also disputed this collection, however, I did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 I sent a Cease and Desist Letter notarized/Certified Mail ... This is not my debt and they continue to sell this fraudulent debt to other Debt collecting agencies.

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 2020-02-27
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts and they have already been removed on the other bureaus. please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Wells Fargo Everyday Checking account on XXXX XXXX, 2017. Account had a {$250.00} bonus as long as one of the two following conditions were fulfilled : Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. WF claims " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I made a direct deposit on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX, which cleared by XX/XX/XXXX. It is XX/XX/XXXX, 100+ days after first completing the requirements, and I have not received the bonus. I have attached my opening email and a statement from 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 monetary relief
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX, To my knowledge the bill to Walmart Pay, which was managed by XXXX XXXX, was payed in the full amount of just about {$350.00}. According to the lady of capital one, which is the bank managing those accounts now, they didn't receive the payment and were not notified of non-payment till XXXX. I did not know about this till XX/XX/XXXX when I was going to apply for a loan on a travel trailer.. As soon as my bank notified me, I called XXXX XXXX  to fix this problem and payed {$450.00} dollars and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My mother is XXXX XXXX and she signed up for a loan not knowing the APR rate for the loan. I have called Big Picure Loans numerous times for weeks, they stated that they would send me an email to update and pay account off and never did. They also refused to help me pay off my mother 's loan in full. This company is extremely predatory and almost impossible to untangle with. I just want to pay the loan off and move on. They do not accept anything except direct bank deposits. After hearing very negative reviews, I am nervous to share any of my personal information. I do n't want this company to have access to anything of mine. The physical head quarters is located in the XXXX XXXX of MI which is extremely hard to get to to dispute in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a federally protected consumer and my federally protected rights have been violated by the following companies : Experian, XXXX, and 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 2018-01-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The company in question is XXXX / Coinbase. 

I transferred funds to XXXX using a SEPA transfer from the XXXX on XXXX XXXX. The funds were showing in my XXXX account 2 days later - converted from GBP to XXXX. 

Due to changing circumstances, I need to transfer the cash back immediately - again using SEPA. Everything is in place for this to happen - my account is properly linked, and the balance is clearly showing. When I try however, I get the error message 'Insufficient Funds '. I have n't bought or sold anything on the exchange, so the money has been sat in the same place since I transferred it. I get the same error message if I try to withdraw a smaller amount, or even to trade on their exchange using my funds. In short - despite showing the full balance, XXXX are not acknowledging that the funds exist. Please see attached screenshots of the balance, and error message. 

I have tried emailing XXXX and Coinbase support multiple times. They have only responded once - with a reply completely irrelevant to my query - I 've also attached a copy of this - other than that no response despite emailing 5+ times, and spending hours on hold for their support team, only to be hung up on immediately after connection. 

I simply want my funds back quickly. Given the ease with which I could set up an account and send funds TO the company - the difficulty I 'm having withdrawing those funds, or even getting a reply at all - smacks of fraud. 

If you can offer any help, it will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I initiated a withdrawal of XXXX BTC out of my BTC Vault ( held in " cold storage '' by Coinbase.com ) to my BTC Wallet. This requires " multi-factor authentication '' that requires me to initiate the withdrawal after logging into my account, to confirm via an SMS code, clicking through an authentication link on my personal email, and clicking through an authentication link on my work email address. Due to me no longer being employed with my current firm, I no longer have access to work email address. Coinbase.com does not allow for the secondary email to be changed. 

After XXXX emails and a number of support tickets through XX/XX/XXXX, submitted by me to Coinbase, Coinbase has not responded with the exception of automated emails. The automated emails do not provide resolution and are redundant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2017, I sent XXXX ETH from XXXX to coinbase using the correct wallet identification given to me from coinbase. The transaction has been confirmed on XXXX many times, however, no pending transaction showed up like it should on my account and my XXXX never showed in my wallet. I waited a couple days to see if it would show up eventually to no avail. So I sent a support ticket in, waited 5 days and got no response, so I sent another ticket in. The next day, I got a generic response that did n't help my situation at all but said if I needed help further, I could email them back so I did and have n't received an email back yet. I have sent 5 more support tickets in since and have gotten no responses.

Company response to consumer: Closed with explanation