BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Contacted EQUIFAX & XXXX multiple times regarding items on my credit report ( bankruptcy ) that does not belong to me. They claim that they verified the information with a third party and confirmed it belongs to me. I contacted the court in person and was told that they don't provide any information to a third party and there was no record of any inquiries from the credit bureaus concerning me. It's almost like anyone can randomly call the credit bureaus or send them a file about a person and they don't verify but just add the information to the credit file. The court provided me with a letter stating the facts. I provided the letter to Equifax/XXXX and they reinvestigated. They now claim that the information was confirmed by the third party again. I even contacted the third party again ( XXXX ) and was told that no one had verified verify with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX, I XXXX XXXX was a guarantor for my daughter XXXX XXXX XXXX attending college ) for an apartment at the University XXXX XXXX in XXXX Ms XXXX The rental agreement that we applied for and completed a notarized document was for was for 1 year lease from XXXX XXXX, XXXX XXXX, XXXX. XXXX did not move from XXXX XXXX XXXX XXXX after the first year and she extended the lease for another year immediately after for XXXX XXXX, XXXX thru XXXX. Months later, I noticed a {$2800.00} debt on both our credit reports. I have disputed the debt for several years explaining I did not renew a contract nor did I sign for another lease in my name after the first lease but National Credit System nor the Credit Bureaus removed the debt. On XXXX XXXX, XXXX, I sent a certified letter and requested a letter of authorization for the debt owed by XXXX XXXX XXXX XXXX. The documents I recieved from the National Credit Systems were inaccurate and falsified. I did not relieve the lease that we both sign but instead I was sent a lease contract dated XXXX XXXX, XXXX thru XXXX, XXXX, a period that me nor XXXX never sign for. Here are a list of inaccurate item in the contract. 
1 ) The lease contract was not filled out by XXXX nor myself. It 's in someone else 's handwriting and the Guaranty Information at the top of Guaranty page was not completed by me. 
2 ) The starting date on the new contract do not coincide with the date of the original lease from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 
3 ). The date on page XXXX of the contract was changed to XX/XX/XXXX. Why would anyone sign in XXXX, XXXX to rent an apartment in XXXX XXXX. 
XXXX ). The notary signed by XXXX and myself was signed XXXX XXXX, XXXX for a lease dated XXXX XXXX, XXXX XXXX, XXXX, XXXX. This notary was attached to the new lease dated XXXX XXXX, XXXX thru XXXX, XXXX XXXX. 
5 ). The Residents Transaction inquiry detail show for months outside of the contract date, Also on the transaction page it showed she was a previous tenant. Where is the previous contract? 
6 ). There are no transactions to show charges and amounts paid from the beginning of the original contract ( with XXXX an last months rent deposit ). 
XXXX ). The move in condition form was dated XXXX XXXX, XXXX. Which was the date she first moved into the apartment. 

I did not sign nor did I agree to attaching the original notary with my signature to a new contract nor was I informed that this would be done. After carefully looking at the XXXX XXXX XXXX contract, I recognize that the XXXX XXXX contract was completed by taking pages from the original XXXX XXXX contract and inserting pages with our signature to forge a new contract. 
Please investigate this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This account has been reporting negatively on my account since XXXX XXXX from a company called off XXXX XXXX in the amount of {$2300.00} I have disputed this account multiple times to no avail. I have not been able to contact the Creditor of this account yet and still Equifax reports it negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has illegal re aged my account that they had purchased from XXXX XXXX XXXX in the amount of {$480.00}. I paid this account in full as of XX/XX/2018. When I called and spoke with XXXX XXXX on XX/XX/XXXX, the representative told me that they " report monthly '' which is also a direct violation, as I never had a contract with XXXX and they are a collection company and can not report monthly. On XX/XX/XXXX, I had called and spoken with the credit bureaus when I pulled my credit report and also found out that XXXX XXXX had illegally re aged my account to a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Navient Solutions, LLC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : NAVIENT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The Covid Economic Impact Payment prepaid debit card was issued to me and I used the information to find an ATM machine in which to access the money " without paying a fee ''. See attached screen shot. The website stated the XXXX at XXXX XXXX XXXX XXXX VA was such a location. The machine is labeled " PNC Bank ''. The first withdrawal was no fee. The second withdrawal I was charged a {$2.00} fee. The fee needs to be returned by either PNC Bank or other applicable party. I would not have used that machine if I had known I would be charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
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:
Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, La XXXX They have been calling My Husband and My Phone since last XXXX. They are claiming that I have cashed a check from them for {$2500.00}. 

I have never done business with them. Never cashed their checks. 

Please help stop the harassing calls. 

Please do not give them any of my contact information. 


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 2021-05-03
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am handling my parents estate. In XX/XX/2021, both my parents passed due to XXXX. I am the executor of my parents trust. In the middle of XX/XX/2021, I went to a local branch and submitted both death certificates and all trust documents, as well as the banker took a copy of my drivers license. I have made numerous visits and calls to try and let me have access to the account and as of XX/XX/2021, I still do not have access. On XX/XX/2021, I resent all the documents and even included a certificate of Trust and Acknowledgement Certificate. I STILL DO NOT HAVE ACCESS. This has been a very stressful time and Chase has only made it worst. How do I get access to my parents money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was sold to XXXX XXXX before my knowledge. I sent in a request to the original owner/servicer for Covid Forbearance ; XXXX XXXX, XXXX without knowing about the transfer. I received a letter stating transfer of ownership and change of servicer to CMC Funding c/o SLS ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX on XX/XX/2020 ( " CMC '' ). I reached out to the new servicer CMC that week and was told to call back next week because I was not set up yet in their system and could not make a forbearance request. First payment was due XX/XX/XXXX. I made several follow up calls and was then told I would not be set up until 5-7 business days after XX/XX/XXXX and could not make a forbearance request until after i was set up. CMC has had my information since XX/XX/XXXX and I'm still unable to make a request according to them. Even though the calls are recorded and they make notes, I keep getting different information each time I call. Some telling me they would submit my request and even email the onboarding team and the forbearance request team ; others telling me to keep waiting.

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 2021-09-10
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a payment for services deposited with PayPal on XX/XX/2021 for {$250.00}. The funds were held until XX/XX/2021 when they sent an internal message that the account was closed for violation of the user agreement. They said also that I wouldn't get my money for another 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A demand letter dated XX/XX/2018 was received from XXXX XXXX re : Capital One credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

XXXX XXXX has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( XXXX XXXX representative ) and she requested that I call XXXX as she could not discuss matter further. 

XXXX XXXX and XXXX XXXX have been notified of their individual actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was for a rental modem by XXXX XXXX XXXX. When leaving the landlords we called XXXX XXXX XXXX and worked it out to transfer the rental modem onto his account so he could continue Internet use there at his rental. XXXX XXXX XXXX helped us do this. Then a month later XXXX XXXX XXXX called asking for us to return the modem or we would be billed. I explained that we transferred the modem over to landlords account to keep services at the property. XXXX XXXX XXXX looked into it and said that it was ok no issue now. Over a year later XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX shows up on my credit report dropping my score over 40 points with a claim for XXXX XXXX XXXX for {$110.00} saying we never returned the modem. They are tanking my credit score and need to be held accountable for their error.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My offer for the home was except, and I went under contract around XX/XX/2021. My original closing date was XX/XX/2021, but I could not close on time because the bank was still processing all my information stuck in underwriting on the house still didn't get the appraisal report back. So my real estate agent had me sign a contract extension which took me from the XXXX of XXXX to XX/XX/XXXX to give Bank of America more time to finish my paperwork in underwriting. 

Then around the XXXX, the appraisal report finally came. Today, it's XX/XX/2021, and Bank of America still has me stuck in underwriting for the question I answered over 3 three times already with a letter. They also had a third party call me about the same questions to verify 3 of my accounts. I just found out yesterday night, XX/XX/2021, from my real estate agent the owners don't want to sign a second contract extension my agent gave me to sign on XX/XX/2021, because they got tired of wait on me because of Bank of America taking to long to get everything done with their underwriters.

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 2019-04-10
Company: AMERICAN ADVISORS GROUP
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint follows and complaints numbers ; XXXX, XXXX andXXXX. The complaints are all related to the same loan and are hereby incorporated by reference. This will be my final complaint filed with the CFPB regarding this matter but it an important because it underscores the issue set forth in my initial complaint. 

The issue from the outset has been a lack of transparency and honesty by representatives of the American Advisors Group regarding the basis for the denial of a reverse mortgage loan my wife and I applied for in XXXX of XXXX. Since we had never been denied a mortgage loan in our 45 years of marriage, had credit scores over XXXX and a net worth more than three times the amount of the loan we requested we were taken by surprise. In  XXXX of XXXX I wrote a letter to the CEO of AAG stating my concern that someone in the process may have seen our drivers licenses, that were collected during the process, and decided they did not want my wife and I to get the loan because of our race. Next came a call from an attorney for AAG, XXXX XXXX and a conference call with three AAG employees for the stated purpose of explaining why the loan was not approved. Then came the series of CFFB complaints and replies from AAGs XXXX XXXX, Complaint Resolution Manager.

Mr. XXXX role has been simply that of a gatekeeper who denies or rephrases every issue with the hope that the complainant will simply go away. While this will be my last CFPB complaint on this matter it is not because I am going away. I will be filing a HUD complaint as a prerequisite to Federal Court filing, which I have one year from the time of the incident to file. I do not believe I will be able to get answers to from AAG without the legal discovery process.

The only reason I filed this final CFPB complaint is to put into the record that AAG has made yet another claim that is not true. Mr. XXXX claims that a copy of the XX/XX/XXXX Statement of Credit Denial,  termination or Changesent on XXXXwas delivered to your residence on XX/XX/XXXX at XXXX XXXX. I am attaching to the complaint an Affidavit signed by me, under penalty of perjury, stating that no such letter was included in that mailing. This is a critical document because it will officially establish AAGs basis for the denial of the loan. 

As I have noted in my previous complaints, my wife and I have yet to receive written notice that the loan was denied and why. AAG has asserted that HUD guidelines prevented them from approving the loan. If this is so they should simply cite the relevant rules. As I have said from the outset, my only concern is determine if discretionary decision were influence by illegal discrimination.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
At or around XX/XX/XXXX, I purchased {$5000.00} bitcoin from coinbase using my atm debit card, not realizing I had a {$3000.00} spending limit. This transaction caused my account to be locked as my bank, XXXX, responding with NSF. The account was not unlocked even after the remaining balance was paid for 1 week. In the process of attempting to unlock the account, I wired {$10000.00} into the account and placed a stop payment as that also did not unlock the account. The account was unlocked around XX/XX/XXXX, and locked again around the XX/XX/XXXX. For two months they held more than {$17000.00} in my XXXX   account. Coinbase and XXXX are the same company, one being an online wallet, and the other being a currency exchange. The money they said I owed, they already had enough to pay for it in an alternate account with them. The way they've reconciled the account has been to collect all remaining coins in my account and every other coin which has exceeded the XXXX  they say i owe them. So while my account stayed locked, I've missed multiple opportunities to double and triple that money they held unduly restricted and made money off my money as stated in their terms and conditions.

I would like my account unlocked immediately as this restriction of funds has caused a series of events that has led to serious financial hardships for myself and my XXXX  kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: ONLINE Information Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter of validation to online information services to verify a medical debt that they stated I owed in the amount of XXXX they replied with a copy of the charges that was billed they did not show proof that i was the one that authorized that charges and did not show anything with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
****My name is ** XXXX XXXX **. I have been trying to report about incorrect information in my credit report over past year but it has no success. According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification ****I notice that some of the  name, addresses, all employment information and hard inquiries, are inaccurate. In addition to it, there are several derogatory account that have no relationship with me or any of our business. These incorrect information demand to be removed off my credit account according to these reporting laws that are listed above. 
Here are the name, addresses, employment information, hard inquiries and debt collection that need to be cleared off my credit report. 
******************************************* **NAME REPORTED XXXX XXXX XXXX 02 ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **EMPLOYMENT INFO _XXXX _XXXX XXXX   XXXX ******************************************** **ADDRESSES REPORTED XXXX XXXX XXXX XXXX _XXXX, NJ XXXX XXXX XXXX XXXX _XXXX, NJ XXXX ** HARD INQUIRIES XXXX  XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank  ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Utilities and Fuel ( XXXX ) XXXX **COLLECTION OF DEBT XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed

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 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 applied for a credit card that was never received. The hard inquiry on my credit report hurt my credit score and I would like it 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