BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Company: Experian Information Solutions Inc.
State: NC
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:
LISTED ACCOUNTS ARE REPORTING IN ERROR TO THE WRONG CREDIT FILE. PLEASE REMOVE LISTED ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: U.S. Collections West, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I discovered a collection account reporting on my XXXX credit report. I disputed said account with the credit bureau. a few days later, I received a letter in the mail from U.S. Collections West.along with a few documents alleging that I owe over {$5000.00} said documents have been altered .the matter grossly misrepresented. the creditor actually owes me a refund of my security deposit. I have evidence the creditor breached the lease. .I called the agency and explained in detail that the debt is invalid.I have sent certified letters to both the original creditor and the collection agency explaining my position. the agency has since verified said account on my credit report.I may have to pursue legal action to resolve this matter as the agency refuses to investigate further or remove the illegal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This has been ongoing since the Shellpoint Mortgage has taken over the servicing of our loan. The story is long but consistent. The short is we have a bi-monthly payment set-up with this company. We have always had our loan serviced this way as it works best for our budget. We have never missed a payment. According to Shellpoint,  their system requires an every other Monday payment schedule. I have called Shellpoint at least 20+ times regarding late fees and have been met with confusion but in the end the issue had been resolved for at least a few months until the letters start again about every 3 months. More phone calls made, the same response. This has gone on for 3.5 years. Finally, about a 1.5 ago, I spoke with someone who offered an auto payment plan that could put us on their schedule. I was always under the impression that the mortgage servicer could not change the payment schedule originally set up by the mortgage lender. but after years of frustration I finally caved. After 3 sign-ups with their plan and now a 4th, they still have not set up the plan and we are now getting threatening letters telling us about foreclosure and thousands of dollars of late fees and reports to credit agencies. I'm fed up and have no where else to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: VA
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 have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a mail from Maury Cobb Attorney At Law LLC on XXXX XX/XX/2019. It was regarding a debt that I never had with the XXXX service. Most importantly, they had my contact information including my last 4 digits of my SSN. They were sending me mails very often that I was kinda having privacy harrassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
about 2 months ago i checked my credit and found a collection on my credit report i wrote to the 3 credit bureaus XXXX XXXX and XXXX about them reporting that derotegrtory item on my report. i also tried reaching out to the company in writting for help just to see whom they said i owe and what its for but i got no response and the 3 bureaus keeps telling me verified. but when i ask for proof they just keep sending me back to the collection agency. so i XXXX it and found your site. i am asking for help if you can please help me its damaging my character. i tried to make mends and no response but its sitting on my credit report. the company is XXXX XXXX /RESURGENT CAPITAL SERVICES ID # XXXX. thanks inadvance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has been inaccurately reporting my XXXX account with late payment history. I have taken steps to resolve this matter with the company directly and have had no success. This also took place with my XXXX and XXXX files but the error was immediately corrected. I have supporting documentation from XXXX directly and am requesting the error be corrected.

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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i responded to transunion and XXXX about negative items on my credet report on XX/XX/2018, delivery comformation # XXXX XXXX  comformation # XXXX, asking them to verify these items bearing my signature and haven't heard anything from them. i understand that they have 30 days to reply to my request, via the FCRA laws before it is considered a violation with them.because this is affecting me from getting a house

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 2021-03-21
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received emails from Coinbase informing me that twice the amount of money I had authorized for them to withdraw from my checkings account had actually been withdrawn. I contacted them for a detailed report of the withdrawal and a receipt and did not receive anything. They then automatically flagged my account and locked it. I changed my password for security purposes but was still not able to log into my account to access my assets. 

The following are dates in which I contacted Coinbase support : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I received canned responses from support on XX/XX/XXXX, XX/XX/XXXX, and XXXX that did not answer any of my questions or address the issue. 

My account has been locked for over a month with no status update. 

Many others have been experiencing the same issue and their customer support is nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My account was transferred to this new agency and at the time I received my new balance the balance was thousands of dollars more than what it c was worth the previous agency. Covid indicated there were to be no interest in the loans but this DID NOT take place IT WAS ADDED. I asked the agency why it was so high and they blamed it on the previous agency I need a breakdown of the last year balances and any fees and /or interest to state where all these fees came from. I need them to be removed as per the law states due to the pandemic there were to be XXXX INTEREST!!!!. Great lakes is the agency it's with now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: NC
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 paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.

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 2019-04-16
Company: JH Portfolio Debt Equities, LLC
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I used the dispute form on the XXXX  website to request an early exclusion of two collection accounts ( for {$1800.00} and {$4500.00} ) from JH Portfolio Debt Equities that were already set to fall off my credit report on XX/XX/XXXX. The correct date of first delinquency ( DOFD ) on both accounts was XX/XX/XXXX. 

In response to my request, XXXX obtained verification from JH Portfolio. In this verification, JH Portfolio CHANGED my DOFD on both accounts to XX/XX/XXXX. 

XX/XX/XXXX is when both accounts were charged off from XXXX XXXX. There were six months of late payment delinquencies prior to the charge off. The initial 30 day late ( the first delinquency ) was XX/XX/XXXX. 

I completed another dispute with XXXX on both of these accounts on XX/XX/XXXX. I faxed XXXX  a copy of my credit report from XX/XX/XXXX, which indicates the first delinquency in XX/XX/XXXX, leading up to the charge off in XX/XX/XXXX, as reported by XXXX XXXX ( the original creditor ). I further submitted a credit report from XX/XX/XXXX, which shows JH Portfolio reporting the correct DOFD before they falsely changed it. 

In response to this dispute, JH Portfolio told XXXX that the information they reported is 'verified '. They did not supply XXXX with any hard evidence or proof that the DOFD is what they claim it is. They are knowingly reporting false information to XXXX in order to re-age both of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the company and paid the debt in full but it did not show as paid in full

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
II started with the program over a year and a half and in this time they have consistently given me the run around charged me for the membership as well as are tricking people to giving them good reviews on various social media and XXXX services to contribute to their reputation to receive funding for their program. In this past year and half they have collected my personal data info and allowed it to sit never moving forward on their promise to assist. They force you into thinking if you do not give them a good review they will not help you. they finally stated that I had to give them 5 different reviews all good because I was afraid they would not help and now they will not answer emails or calls never following up and will not help me in the process. They are a fraud of a NPO and receiving government funds this should be stopped. They informed me not to move forward with any home offers until they helped and never did for more than a year and half and now the prices are very difficult for me to purchase affordably. Below is a picture of what they sais the only condition was to move forward which I have proof I complied and now they will not even return an email or a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: VA
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 have reviewed a copy of my credit report and I show company XXXX XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: AR
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:
MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
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:
Someone got a hold of my credit card and made fraudulent charges on XX/XX/XXXX in XXXX XXXX, and charges on XX/XX/XXXX, and XX/XX/XXXX in XXXX XXXX, SD. for a total of {$130.00}. I immediately disputed the charges and sent information to Bank of America proving that I was nearly 200 miles away when the charges were made on XX/XX/XXXX. 

Bank of America said that since the pin was somehow used, even though I was in another state, that I would have to pay the charge. I closed my account and paid the charge. 

I thought that it was the end of it, but on XX/XX/XXXX I was charged for the charges made in XX/XX/XXXX in XXXX XXXX after they had initially taken those charges off my account. Although I was in XXXX XXXX on those days, it his more than 200 miles from XXXX XXXX. 

I feel like Bank of America has unethically penalized me for closing my account with them.

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 2021-05-05
Company: Experian Information Solutions Inc.
State: VA
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 have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2017-11-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to the company after the unexpected and XXXX XXXX of my daughter. I initially reached out to Bayview Loan Servicing to discuss my mortgage options. My home was was free and clear until I entered this relationship with Bayview. This was a cashout refinance but I did n't receive any proceeds. No money was ever disburse to me and according to my Settlement Statement I should have received monies. The loan type initially was suppose to be a fixed rate and $ XXXX. After, later discovering that the actually term was a ARM with an initial rate of 14 % and now the balance as of today is $ XXXX. I strongly believe I have been a victim of equity scheme and taken advantage of due to my age. When I questioned this and explain my inability to maintain this arrangement and to provide documentation on why the interest was high as it is. I feel like they are trying to force me out of my home without trying to assist me in understanding the terms of an agreement that I did n't authorize. They have refused to provide copies of the paperwork. I am in an active bankruptcy and they have ignore the letters as well as calls from my attorney. He has provided evidence that the sale of my property is in fact illegal according to him the proper publication duration has n't accord. But the representative from Bayview stated that the publication did occur for the duration as applicable by law. Despite several request for this documentation it has n't been supplied. I am an elderly lady with health issues this is the last thing I want to be going through at my age in my small community. I have ask desperately for help in saving my home. Calls have been unreturned, representatives have been far less than helpful this is the text book case of stealing, the companies practices is barbaric and sociopathic and no one seems to be concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: BBVA FINANCIAL CORPORATION
State: TX
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 victim of identity theft and have had my information compromised several times. I have submitted documentation to compass bank and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XX/XX/XXXX and XX/XX/XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. Compass bank has failed act reasonably to aid in this issue and closed my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XXXX XXXX, XXXX, my wife and I purchased into XXXX XXXX in XXXX XXXX. They insisted on a down payment and suggested we apply for and use a XXXX XXXX XXXX through Barclay Bank. On XXXX XXXX, we realized that XXXX did not deliver on their promises so I called Barclay and disputed the charges of {$3900.00}. I explained that I purchased a product/service from XXXX and did not receive what was promised. Barclay recorded the dispute and I got a letter from them stating that they would be investigating the dispute, on our behalf, and issued a credit for the charges. I also told them that an automatic monthly payment to XXXX was scheduled on this XXXX and that they needed to stop that too. They said they would. 

I never got my card from XXXX and in XXXX, I got a bill from XXXX with the charges put back on along with the XXXX payment charged to the card which not put me over my credit limit. I called Barclay again and XXXX, Dispute Advisor, said that I was misinformed because there is no way to stop an automatic payment schedule and that I would have to close the account to keep further payments from charged to the card. So I did that. Then he said he does n't understand why the charges were put back on the card because he does n't see that XXXX responded to their inquiry. So he said he would resubmit the dispute and that I did not need to worry about making any payments. Keep in mind that I still have not gotten my card and I have not used it at all. 

I get another bill with interest charges, a late fee, and an over the limit fee. I call them again on XXXX. I talk to XXXX this time. She says XXXX did respond and showed my signature for the original charges. I explain to XXXX now that I did not receive what I paid for and that is why I am disputing the charges. She then claims that a questionnaire response was sent to me. I did not receive any other correspondence from Barclay. She said she would send out another one and to give it 10-15 days. I still have not gotten the document. 

Last week, got an email alert that my credit score has gone down because Barcley reported a delinquency to XXXX. I called Barclay today, XXXX and they informed me that their computers are down and that I need to call back tomorrow. 

I have spent several hours of my time on this issue with Barclay that I will never get back. I am a XXXX XXXX XXXX and my wife works for a XXXX and this experience shows Barclay 's  nonexistent customer service. I just want our credit restored, these charges removed, and this matter be put behind us.

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