BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-30
Company: Merchants and Medical Credit Corporation, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To Whom It May Concern,This letter serves as my formal complaint against the abusive debt collection practices of Merchants and Medical Credit Corporation XXXX XXXX XXXX XXXX MI XXXX.During the days of XX/XX/XXXX- XX/XX/XXXX Merchants and Medical Credit Corporation engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act.•	Repetitious  Phone calls –telephone records list 25 calls in the said time frame•	Harassment/Intimidation- I explained my current situation (I have been diagnosed XXXX and am in the benefits appeal process)  and that i intended to pay despite this to representative during recorded phone conversation on XX/XX/XXXX and Representative (XXXX) continued to harass and intimidate me into making a payment  stating to me: “what form of payment would you like to make debit or check?”“I assume you intended to pay when you made the purchase” “you will continue to receive calls until payment is made” ”so you don’t want my help today” “I assume you do have a financial source” “people have to have a financial source to survive” “collection efforts will continue” “Many people pay us off- call on friends and family, get a loan, they ask spouse to help” “ there has to be payment on a bill”•	Failure to notify me of my right to receive verification of debt •	Failure to provide me  with a validation notice containing key information about the debt and the consumer’s rights within 5 days of initial contact, XX/XX/XXXX•	Failure to inform me that I can dispute the debt •	Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX ext. XXXX) for the address of Medical and Merchant Credit Corporation, telephone number of XXXX and name of supervisor on XX/XX/XXXX.  She did not provide the requested information to me.•	I returned call to XXXX XXXX (XXXX representative) on XX/XX/XXXX as scheduled and my call was not transferred as requested.I have attempted to resolve the issue.  I have not submitted a formal complaint to the company,because i was not provided with contact information.Your attention in this matter is appreciated.Sincerely,XXXX XXXXcc/alKentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have a complaint to involve XXXX, as well as the collection/or law office they sent the account out to Caine and Weiner ..I was contacted by a XXXX at Caine and Weiner, after asking for my husband and I advised her I am his wife, what is going on, she being to tell me about the outstanding debt due at XXXX, which by all means XXXX never called me one time nor sent any collections notices out before sending my case out!! second the collections agency they sent it through failed to even verify information to confirm that I am the above party wife she just being to go into details I could have been anybody, second that company did not even send me a validation of debt letter, to give me a chance to dispute the reason for none payment after not hearing me out after several phone calls when they raise my insurance because I could not prove I had prior how am I going to prove that when my vehicle was new?? The rep was a very fast talker she could care less what I had to say she gave me the company address so fast, and I am very upset! SHE DID NOT MENTION THIS WAS A ATTMEPT TO COLLECT A DEBT NOR TELLING ME I WAS TALKING ON A RECORDED LINE, SHE ALSO DID NOT VFY ANY INFORMATION CONFIRMING I WAS MY HUSBAND 'S WIFE This is illegal and should not be tolerated!!!! I KNOW MY RIGHTS AND NONE OF THE FDCPA RULES WHERE NOT FOLLOWED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I received a final notice from the XXXX XXXX XXXX regarding one of two parcels encumbered by my mortgage. My property taxes are escrowed and to be paid by my servicer, PHH. I called PHH and was instructed to email " XXXX '' with my loan number and relevant information- I did and did not receive a response. On Monday XX/XX/2022 at XXXX PM CST I sent a picture of the final notice to the above email and to " XXXX '' per PHH instructions with a request for update and timeline for payment - I did not receive a response. After calling PHH again at XXXX PM CST, I was instructed to resend the email to the escalation support email with the subject " Loan Number : XXXXXXXX ; Attention : XXXX ; Agent ID XXXX '' - I did. The agent on the phone, XXXX confirmed receipt and said he would get back to me with an update. I did not hear back from XXXX. 

On Wednesday XX/XX/2022 I sent a follow up email to escalation support asking for an update. I did not receive a response. At this point, the notice of the the delinquent amount and my name had already been run in a local newspaper and if the amount was not paid by XX/XX/2022 the property would go to a tax sale. 

After several more calls I was always told the tax department was working on it and they didn't have an update or estimated timeline for resolution. This was of course highly concerning giving the urgency of the matter. I did finally receive a call back on XX/XX/2022 - but to my dismay, the update was that they did not have an update or timeline for resolution. 

Fearing that nothing was being done and that no resolution was in sight, I paid the property taxes out of pocket on XX/XX/2022. I sent PHH a receipt for the payment, requested reimbursement and expressed my dissatisfaction with the entire process and lodged a formal complaint ( via email ) with a XXXX business day timeline for response. I have not received any form of response. PHH has not acknowledged my complaint, or attempted any resolution on this matter. 

PHH has shown a total disregard for my issue. I'm clearly just another file to them, but if this is how they treat their customers, something needs to be done. To be clear, I did not seek out PHH for a loan, my original lender sold the loan which was then sold again to PHH. If I had any say in the matter, I would never conduct business with PHH

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 2017-11-15
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company XXXX is trying to charge me for a debt that I paid for services from XXXX XXXX I received a year ago. This debt was quickly turned over to them and they collected it from me. Now they are claiming that somehow another amount was never paid even though they confirmed earlier this year that I had paid off my debt with them. This all took place at the end of XX/XX/XXXX and beginning of XX/XX/XXXX, when I started receiving XXXX due to losing employment for medical reasons. I called them on the phone today XX/XX/XXXX to talk to someone about resolving the issue. They told me that it didnt matter what I said, I still owed them the money. They didnt offer me any chance or way to prove that I paid the debt off in the beginning of this year. Instead of offering to allow me to research the issue they demanded payment and threatened to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, Few months ago someone opened an account using my personal information which I did not see until a few days later when I received an email alert from my bank that I got a new account opened and had new inquiry. Then I quickly responded to that by putting a criminal watch on my credit on all the XXXX credit bureaus then I quickly opened a case with each credit card company to close the account because it was fraudulent and I never opened it. Later after XXXX days I got a mail saying I am responsible for the credit card opened and everything I have to pay for. I am not responsible for anything on these credit cards because I have never opened an account there neither do I even have purchase history of me buying anything at those stores. After looking further the items were bought from stores that are super far away from my house when I have around like XXXX branches around my own house. It is unfair for these companies to just do a small investigation and just make a decision depending on that. I will be opening a police report in the next few days and probably will hire a lawyer to get this situation sorted ASAP. There are no evidence or claims that these accounts are owned by me so I don't know how they considered that they are my responsibility. 

thank you

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 2018-09-21
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Received my credit report showing a inquiry from CARVANA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score.I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was opened an XXXX XXXX XXXX XXXX XXXX. 

Card was sponsored by Synchrony Bank : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XXXX XXXX, XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XXXX/XXXX/XXXX with XXXX because they said, they have't received the check i mailed to them. XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XXXX XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from Synchrony Banck. 

At the end of XXXX XXXX, I have contacted XXXX Card Department, but they told me the account was sold to XXXX. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XXXX XXXX, XXXX, I wrote a letter to _ XXXX XXXX Synchrony Bank and XXXX XXXX, On XXXX XXXX, I received letter from Synchrony Bank Stating this account / matter relating was sold to XXXX XXXX XXXX, on XXXX/XXXX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}

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 2022-02-14
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This creditor never contacted me about this account.

Now that I'm in the

process of getting a Mortgage this account has shown up on my credit report and dropped my score over 35 points making my mortgage approval fall through after I have put in my 30 day notice with my landlord. I am livid that this account is now showing up on my credit report and nobody has ever contacted me about this. I want this account completely removed from my credit report bef
ore I am XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
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: Personal information incorrect

Complaint:
I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from XXXX has decreased by XXXX points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact XXXX in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX but still appears on XXXX and experian. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
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 have a fraudulent inquiry someone else tried to use my information in social to apply for credit. This inquiry does not belong to me. Its a fraud. 
The inquiry is XXXX XXXX point address XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX GA ZIP Code, XXXX phone number XXXX The inquiry, was on XX/XX/2022

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 2017-12-30
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Ditech Insurance Company about my account and over due payments on XXXX XXXX 2017, to get my account up to date. I called and spoke with a Rep regarding options I may have. my account has been mis-management by this company on several occasions and this time has taken the cake. I told the Rep that I have approximately {$2000.00} in an account labeled unapplied funds. I told the the Rep that I would like these funds back and I would put it together and make up the difference so that it will be a full payment for the month. She said she would put in a request and that I should the funds mailed to me in 3-4 days but that because of the holiday 's it might take a little longer. She also said she does not know if they would honor sending the money back to me because my account is past due. I told her that that 's my money that Ditech is gaining interest from that money in the account and it not even being applied but every month I 'm assessed a penalty which has been going on for 4 years. I told her that I will take legal action regarding this holding of my money and not returning it to me and illegally gaining interest and not applying it to my account. Plus, I am assessed lates fees. If there 's any company that should be investigated it should be this company for the illegally practices they do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: ROC Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In addition to my original complaint, XXXX, these people have contacted by brother at his job. Inquired about my vehicle, asked my brother all types of off the wall questions. All inappropriate. The number they contacted my brother from is XXXX They also contacted by Aunt. Telling her they were trying to reach my attorney, stating I told them I had a lawyer, telling her they were taking legal action against me. The number they contacted her from is XXXX, File # XXXX. <P/>When I contacted the number above back, they told me the company name is API.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018 a collection for XXXX was paid in full and should be deleted and removed from credit bureaus and still has not

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 2022-02-14
Company: Experian Information Solutions Inc.
State: AL
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:
I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when XXXX hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted XXXX in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any payments.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022, I received a letter from Transunion LLC informing me that they " received a request that included my information, but it didn't appear that me or a properly authorized third party sent it to them. '' This is completely incorrect and I feel it is a " Dear XXXX letter '' tactic the company is using to delay processing disputes that are accurate, valid, and authorized by the consumer themselves. I XXXX XXXX, wrote to Transunion to dispute inaccuracies listed on my credit profile and personally typed out my disputes, account numbers, and included my personal identifying information such as my DOB, SSN, and copy of my personal Driver 's license. I mailed my disputes to Transunion in XXXX. 

I called Transunion today ( XX/XX/2022 ), to inquire about the letter they sent me, which claimed that I did not mail out my own credit letter disputes and the rep told me that they aren't able to see any letters that are sent out to customers regarding this issue and gave no solutions to remedy my concerns. 

I have been denied the ability to dispute my Transunion credit profile, and Transunion is now in violation of F.C.R.A. 607. Compliance procedures [ 15 U.S.C. 1681e ] by failing to " maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ].

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 2017-12-30
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am currently residing in XXXX but I got my driver 's license in XXXX. I used my XXXX driver 's license to verify my Account with CoinBase. CoinBase is stating that XXXX  does not support Coinbase and my account is suspended indefinitely. I was not actually in XXXX during anytime I have held an account with them. Their help page states to withdraw all currency, however, I am unable to access the option to withdraw my money. I do not have access to any of the XXXX dollars that I had invested with them. This is very distressing and any help that you can provide will be appreciated.

Company response to consumer: Closed with explanation