BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX, I opened an account with XXXX XXXX XXXX because I had moved into an apartment. In XXXX of XXXX, I moved back into my parent 's house and transferred the service to their house. A few days after moving back, a technician came in to install the WiFi box ( which was done poorly ) and no less than 5 days after that, my service was cut off. When I called XXXX XXXX XXXX, the claimed that I called and cancelled the service but how can I cancel a service that was just installed? Mind you, the WiFi box was mounted on the wall with a wire, meaning it was not easily accessible. XXXX XXXX XXXX proceeded to send me a charge of {$170.00} claiming that the equipment was not returned but they have a policy that states if the equipment is mounted a certain way then it does not need to be returned. I also called and asked them numerous times to remove that debt before it even reached collections and they still claim that I cancelled the service, yet I never received an email. This false debt drastically dropped the credit score that I have been working so hard to raise. Funny enough, I currently have XXXX XXXX XXXX TV, internet and wireless services but if this is not removed, I will cancel all services and go back to Spectrum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: AZ
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 disputed a collection on my credit report with XXXX  and Experian. XXXX  removed the collection on my credit report because XXXX didnt have any collections on my credit report. It was very easy to contact XXXX  on the phone and explain the situation. I provided an image and XXXX   removed the incorrect collection on my credit report. Experians number would not let me talk to an agent about my dispute. Eventually, I was able to talk to an agent who was very rude and told me to file dispute online. Two days later Experian concluded that the collection will remain on credit report even though XXXX  and XXXX dont have the incorrect collection on my credit report. I believe this collection is invalid and shouldnt be on my credit report and two out of the three credit bureaus agree.

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 2020-05-14
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-07-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Date : XX/XX/2018 Time : approximately XXXX On the above mentioned date and time I had an unauthorized purchase transaction commence. The transaction was only for {$4.00} ( {$3.00} ethereum, {$0.00} coinbase fee ) but it was still unauthorized. I had no reason to believe that my phone had been hacked or compromised and no reason to believe my password was compromised. My phone was literally in my pocket when I got the e-mail congratulating me on my purchase. This scared me because it could have been for a lot more money and also could happen again. 

I immediately called coinbase and I got a phone representative whom seemed extremely unprofessional. I actually double checked the number I called and the e-mail to see if it was a scam e-mail and I felt a bit uncomfortable giving my information over the phone to this person so that they could verify me. However the phone number was legitimate and matched with information from the internet so I went ahead and gave the information, after all i needed to stop any future transactions from occuring before they happened. The representative sounded like he literally just woke up and that it was a burden for him to be on a call with me. 

The rep gave me incorrect information saying I could just sell the ethereum back and get my {$4.00} back. I told him i would prefer to have the account immediately frozen so no future transactions could go through. He did this ( note it took him probably 20 minutes to freeze the account while I was on hold ). 

Coinbase did their investigation and on XX/XX/XXXX, at XXXX I got an e-mail from XXXX ( Coinbase Support ), who concluded that " our records indicate that the transaction in question was initiated from within the Coinbase mobile app. '' Also, that they couldn't process a refund. Also with some questions about if my phone is rooted or jailbroken ( which it is not ). 

I have no reason to believe that my phone has been compromised as I hadn't installed any apps for maybe over a month, and no other accounts on my phone appear to have been compromised. I honestly believe that this was an insider transaction from within coinbase to try and steal {$1.00} in fees. Consumers are not likely to make a big deal about losing {$1.00}, however that's very unethical and illegal and I would like to CFPB to investigate to see if this is a common occurence at coinbase. Maybe they hope that most people won't complain about the small fee and target inactive accounts ( my account had been inactive for months when this happened ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, THE CBE GROUP INC-FORMER add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE CBE GROUP INC-FORMER has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: WELLS FARGO & COMPANY
State: CA
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:
Hi, I do not remember for applying Credit from following 1st and 2nd company.

I request you to pls remove off from my credit report. 
1 ) Wf Crd Svc : Inquiry Date : XX/XX/XXXX National Credit card Cos. 

2 ) XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX National Credit card Cos.

and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Telephone Companies

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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as possible.

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 2018-05-01
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN Loan Servicing regularly diverts one of our monthly payment each year aroundXX/XX/XXXXXX/XX/XXXX /XX/XX/XXXX,  towards our Loan Principal and then levies late fees and foreclosure warnings. Although the payments are separated by a month approximately, they pretend that we have made more than one payment in a month, for example a payment made on XX/XX/XXXX and XX/XX/XXXX and then divert one payment towards the loan principal of our loan and then claim that we did not make that month 's payment and charge almost $ 100/- each month. After two months they send you a foreclosure notice. And once you follow up, they reverse the payment, but do not give back your late payment penalty.

This way they get to keep {$100.00} to {$200.00} dollars from the customers towards " Late Payment penalty '', while pretending to not received a monthly payment or received an " EARLY '' payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Conn's, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have called CONNs to try to pay my bill and handle the situation twice now. The first time ( XXXX ) they sent me to XXXX XXXX XXXX. ( XXXX ) I spoke to the manager there by the name of XXXX XXXX ex. XXXX. She informed me that they have closed & canceled my account with them & sent it back to CONNs on XX/XX/2019. 
Today I tried calling CONNs again to pay my bill and they said its still in collections with XXXX XXXX and kept giving me the run around. So, I asked to speak to a manager. I spoke to a lady by the name of XXXX. I asked her if I could just pay it off, she wouldnt let me because its in a different department but even she is unsure what department that is because he records indicate that XXXX XXXX still has the account. Im not sure what to do from here. 
The lady said she would send it up to the off line department to find out where its at or who has the account. 

Conns account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
i sold an item on XXXX and paypal put a hold on the payment i recieved for the transaction and i was told by paypal to ask the buyer to once again confirm the reciept and for me to upload the tracking information and i have done both and they are still refusing me access to my money. XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company EVERGREEN PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX is violating debt collection by Illegal Debt Collection Practices Under the FDCPA!!! 

They are harassing me and constantly filing debt collection to my credit reporting agencies messing up my credit score and credit on purpose!! They keep filing in different amounts they say that I owe so they can keep sending t!! They KNOW ITS ILLEGAL AND THEY ARE HARASSING ME AND CAUSING ME STRESS!!! 

They have reported the SAME COLLECTION XXXX TIMES TO MY CREDIT AGENCIES IN A JUST A FEW WEEKS THEY KNOW THAT IS ILLEGAL!!!!!!

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 2022-01-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The personal information that is being reported is Mixed and Merged with my family member personal information. Reporting an incorrect address which I have disputed for an entire year and the credit bureau still reporting this erroneous information. The incorrect address is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Remove the incorrect information because I never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been contacted by myself numerous times about a bill for XXXX phone service. This is not my account and I have tried getting it removed from my credit report. The balance is XXXX. I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, this is in regards to Client Reference # XXXX with the XXXX XXXX XXXX and Collections Account # XXXX The XXXX XXXX XXXX hired solicitors to go around the neighborhoods to create new accounts. I signed up for a Sunday only subscription about two years ago.

For whatever reason, I never received the Sunday paper that I wanted for the local coupons. After a year, I received a bill in the mail to renew my subscription. There was a customer service number on the bill and I called to complain about not receiving our paper. It was explained to me that they were sorry and that they would look into it. I would like for someone to please, please look into this as I am sure that they will enter a negative report on my credit rating. 
Thank you for looking into this. 
Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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 2021-05-23
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX  do not honor the FTC laws related to the removal of fraudulent credit items. Equifax customer service is primarily outsourced and most do not have a clue about proper procedure. XXXX is also primarily outsourced and their staff withhold information as to why they arbitrarily choose to not block items that are supported by a FTC ID Theft report. These people do not care if your life is adversely affected by their inaction. 

I would like to sue both companies, as I have read the consumer protection laws and they are not following the laws as they are written. These entities can not play XXXX with people 's lives in this matter. Are their attorneys that specialize in this area that can litigate cases like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX  XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX  XXXX {$960.00} XXXX  XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}

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 explanation
Consumer complaint received 2018-03-12
Company: Stearns Ventures, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had a bad experience ( sinceXX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XX/XX/XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information, or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.

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 2018-07-02
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX, I received a copy of my credit report and there was a collection listed with Aargon Agency for a rental property that was a few years ago. I had gone to court with the rental company and there was an agreement made. I originally disputed the information with the bureaus assuming the bureaus had it wrong but they said they verified the amount. I then sent a letter directly to this collection company asking for detailed information and I have not received anything back and it's been a month. How are the bureaus able to report something and I can't even get information for it?

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX  XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}

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 explanation