BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: I.C. System, 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 went on-line to check my credit score. The XXXX XXXX report showed that I had a delinquent report. Further investigation on my part showed that a company called XXXX XXXX reported me to the credit agency for non-payment of a cable service account in XXXX. ( I live in XXXXXXXX, and never lived in XXXX ). 
I never ordered cable service in XXXX. I never received any communication from XXXXXXXX XXXX : no e-mail messages, no phone calls and no written correspondence. 
XXXX XXXX forwarded this account to collections with IC Systems Collections, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I tried calling them and could not get any information about this issue. I have never received any letters, phone calls or e-mail messages from this collection agency. 
I tried calling XXXX XXXX, and they refused to talk to me, but interestingly DID say that they couldn't find an account with my name or address. I filed a dispute with XXXX XXXX, and was finally notified that XXXX XXXX verified that their original report was accurate. 
I then called XXXX XXXX, again, and filled out an " identity theft packet. '' This was sent back to XXXX XXXX at the beginning of XXXX. I have not heard anything at all from XXXX since that time. 
This delinquent account is not mine, and I never authorized anyone to open an account in my name

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 2020-10-14
Company: CMRE Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX Veteran. This is reference to Veteran medical debt. I am being billed for a hospital stay. The Department of Veterans affairs  Authorized payment for all charges. This authorization was approved on XXXX. XXXX XXXX XXXX XXXX, the physician billing service has failed to process the payment and hired a debt collection service to come after me for the full amount. The debt collection Company CMRE continues to report this to my credit file and continues to bill me. It is a violation of federal law Title 38 U.S.C. 1703 to bill a Veteran for medical debt when the Department of Veterans Affairs has taken responsibility for the debt and issued a payment Authorization. The payment Authorization for this hospital stay on XXXX. XXXX XXXX is Authorization # XXXX. It was authorized on XXXX and can be verified with the Department of Veterans Affairs national community care office at XXXX. The Department of veterans Affairs called XXXX XXXX XXXX XXXX on XXXX and XXXX. Both time giving them all of the authorization information for payment. Both times XXXX from there insurance processing dept refused to delete this from my credit and has not followed through with processing. The Dept of Veterans affairs also contacted the collection agency CMRE on XXXX.They have had more than a reasonable amount of time to process this and is negatively impacting my credit and my health from the stress. The issue is not with me yet I am being punished. This is also a violation of the veterans protections in the fair credit reporting act section 603 15 USC 1681a as was amended in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 XXXX XXXX FL came out to my home to give me an estimate of my a/c repair.

After investigating the problem they gave me their estimate. The cost would require me to open an account to pay for this service. I declined the offer as I was not financially able to open up new credit. I refused the offer as I was not willing to open new credit. 

The technician left and I believed the matter was closed. Before reaching the end of the month I received a bill statement siting my new line of credit {$5000.00} an available credit of {$4600.00} with an outstanding 'purchase ' of {$400.00}. 

They provided me no repair service but a Quote.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The loan servicers at Navient are providing false information and has placed me in a loan repayment plan without my authorization. They have also failed to provide accurate information to receive loan forgiveness as a federal employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
There is a joint account student loan that is reporting inaccurately, I have tried many, many times to contact the creditor and the credit bureaus to correct this issue. There are several inaccuracies across all three credit bureaus, how can three different bureaus report differently. These are two accounts with the same account number.? 
XXXX/XXXX XXXX XXXX/XXXX   XXXX Both of these accounts are reporting differently across all three credit bureaus and has been for years, I have tried to no avil to have the information report correctly.

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 2021-06-24
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Have sent out 4 letters of disputes ( 2 different times for 2 different accounts ) to collection company IQ DATA, neither response letter from them was responded to within the 30 days they're required by law, they also did not include information requested. Such as origin creditor documentation, sworn affidavit, valid contractual obligation with signatures, documentation from creditor to authorize them to collect said debts, proof that the are allowed to collect debt in this state, copy of business license, bond with bond stamp, no paper work with signatures or copy of original contract. Also called and asked them to please remove said debt from collections and they said they're legal team was within in their rights and do not have to send the requested information desired in the letter of dispute. They're is no proof that I owe this alleged debt so I request that they remove from collections and dismissed the account. I have certified letters, receipts showing my letters of diputes, and time stamped mail from collections agency showing they did not respond within the 30 days.Thank you for your time, XXXX XXXX. XXXX. XXXX. I also have more documentation showing the information they did send me, the certified letter I sent with date and times, the envelopes with dates showing they did not respond within the 30 days by law. Again there not the copies of original contracts shown for XXXX XXXX, just XXXX page with a signature, nit the XXXX pages we had to sign and initial. And zero copies of contract or signatures for XXXX XXXX XXXX XXXX. All documents that IQ DATA sent as a response are included in the file attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
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:
XXXX DEPARTMENT STORE CREDIT CARD, ACCOUNT NUMBER XXXX is appearing on my Experian, XXXX  and XXXX  credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!

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 2018-06-20
Company: EQUIFAX, 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:
Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX. A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus XXXX, XXXX and Equifax.

XXXX  and Equifax have failed or denied all attempts mark debt accurately.

Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail.

As of XX/XX/XXXX, Bureaus XXXX and Equifax still advertise the debt as outstanding and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I requested 6 months of payments be added to the end of my loan. at the original maturity date i paid the additional 6 payments that i was supposed to and the company still told me i owed about {$2500.00}. I advised them that this couldn't happen since i already paid the payments i placed at the end of the loan. Then after my new maturity date i did not receive any additional documentation or bills and they repossessed my car. When i contacted them they advised that the last contact was approximately XXXX when they sent a letter out. I did not receive any additional information after that so i assumed the issue was fixed, until i woke up and my car was repossessed. I contacted them immediately and they advised me now my balance to get my car back went from {$2500.00}, to almost {$3000.00}. This was a huge financial impact as my credit report wasn't even showing i was behind on any payments at the end of my loan but yet they went and sent my car for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Immediate Credit Recovery
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called and asked for my loans to be deferred XX/XX/XXXX due to having a baby. They never put them to deferment. XX/XX/XXXX I went back school at XXXX College. Did not defer my loans due to being back enrolled in school. I was in school until XX/XX/XXXX. I called again in XXXX of XXXX because I was working less due to being 7 months XXXX. In XX/XX/XXXX I again asked for a defer in XXXX of XXXX due to XXXX XXXX to my XXXX baby. I then applied for Borrower Defense in XXXX of XXXX. My loan were not placed to be deferred so they sent me to collections. In XX/XX/XXXX my tax refund was taken by the DOE. They took {$9300.00} from me and my XXXX children. I applied for a hardship. I talked to multiple people about what I would need. They explained I would need to fill out the application and send in an legal eviction notice with what I owed and that was it. I did so. They first tried to say it wasn't legal and the amount owed was not on there. I made it clear that they were wrong about that and the women said oh well you didn't send your lease agreement. I explained that I was not told to send that in. Also it stated on the application if I could not get an eviction notice I would then need to send in my lease agreement and all she would say to me was not it is too late. Included is the application I was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The company Coinbase is used by me to exchange, convert, and purchase crypto currency and USD. It is normal for users to have limits on the USD amount that can be spent using various methods of payment. My initial limit, which I can not recall, was raised upon verifying my identity as well as other requirements set by Coinbase to $ XXXX/week through my debit card and we'll above {$1000.00} via bank transfer. I recently sign in to purchase and exchange Bitcoin as usual, only to find that my limit was reduced to $ XXXX/week.  Upon my last login, my limit for bank transfer was reduced to {$0.00} and I was not allowed to initiate another purchase or transfer. I asked support why my limit was decreased, and they ave refused to provide a reason. Upon emailing support regarding the issue, I received a reply from " COINBASE SUPPORT '' denying that they are coinbase support and therefore can not assist me with my case. However, this email I sent, which they replied to making this false claim of identity, was in response to an email received from coinbase support, with a case number referenced. So, I don't know why I am being lied to, but, assuming they are telling me the truth, then this raised privacy issues and concerns considering I was never made explicitly aware that I would not be communicating with support from coinbase staff when exchanging emails about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/XXXX, I took myself to the emergency room of XXXX XXXX XXXX ( hospital ) as I had a XXXX  XXXX  that was getting worse by the moment. 
I was admitted to an emergency room, and it was determined that I would be treated and kept for the evening. I was released the next day, and went about my business. 
I never received a bill ( which seems common since I have Medical ) from the hospital. 
Approximately on XX/XX/XXXX this year, I found a derogatory credit item on my XXXX credit report from a collection agency that uses the name of California Business Bureau, with an address of XXXX XXXX XXXX XXXX, XXXX, CA XXXX I placed a phone call there on XXXX, with the intent to find out why my emergency visit to the hospital was turned over to a collection agency. The woman I spoke with indicated that my insurance did not cover the hospital visit, as I had " XXXX XXXX and the deductible had not be met '' I informed her that I had no other coverage/insurance other than Medical, and that this had never been an issue before. 
She stipulated at this point, that I needed to get a form ( MC 180 ) from Medical showing my coverage, and that they would then bill them ( Medical ) I reached- out to Medical and they indicated that " I needed to provide the bill from the collection agency, before they could send me this form '' I called Medical a second time, and got the same response. 
On XXXX, I called the collection agency, and spoke to a woman by the name of " XXXX '' who said she would forward the bill ( same bill I never received ) to my residence. 

On XXXX, I called the collection agency once again, and spoke to another woman there who indicated that here name was XXXX XXXX. At this time she indicated that my bill was " archived, and that forwarding it to me would take awhile '' I asked her how long/what time-frame was " awhile ''? and she replied that she had " no idea '' I am attempting to do the right thing, resolve this matter, and the collection agency is far less than helpful. 
The hospital is supposedly in the amount of {$2500.00}. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
American Express Prepaid Card was issued to me for {$1000.00} as a reimbursement for flight cancellation. The card represents Prepaid Rewards, ( a ), there is no reward program for use of the card as advertised, ( b ), when I attempted to utilize the card to pay the outstanding balance on my American Express Credit Card ( 30 year card holder ), it was refused. Clearly, for each transaction I charge on the non-reward prepaid card ( advertised as a reward card ), I loose rewards on the credit card which has rewards. Further, where the card is prepaid ( funds on deposit with American Express Bank ), the movement of the funds from one account to another has no risk and no expense. By forcing the use of the prepaid card with merchants there is an expense to the consumer ( me ), with no reward benefit as ascribed to the credit card. Pursuant to the Prepaid Card Rules this is a violation of the rules in both respects. The inter-lata transfer at the same bank from one account to another for a consumer is requisite. It is clear if the prepaid card is drawn on another bank, the non issuing bank does not have the responsibility to accept the funds on the prepaid card for deposit. However, at the same bank movement of funds inter-lata is required. I spoke with American Express and requested escalation to the supervisor and received the same denial. Prepaid Card number XXXX XXXX XXXX - Credit Card Number XXXX XXXX both American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Blackhawk Network Holdings Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a visa gift card ( issued by XXXX XXXX XXXX and distributed by Blackhawk Network ) to use for online purchases, and on XX/XX/2018 I used it to charge {$54.00} to purchase an item. In XX/XX/XXXX, I contacted the merchant as I did not get my item, and was told via email on XX/XX/2018 that I would get a refund. Upon learning I would get a refund, I checked my visa card online at XXXX, and it showed I had a XXXX balance, so the refund had not come through yet. The following day, when I went to XXXX, it told me that the card number I entered was invalid, and that I should contact the merchant I bought it from. I then tried to call their customer service number off the back of the card, but got the message that the card number was not a valid number, and was not given any options to talk to a person to find out what happened to my refund. I had to use a different visa card I had purchased to finally get to talk to a representative, and was informed that the card had been blocked due to the refund, and that the money would be available in 3 days, but I had to call back to get the card activated after the three days. When I called back again on XX/XX/XXXX, I was told that it would take another 2 days to have the money available, at which time I demanded to talk to a supervisor, and finally got my money. I wasted over 2 hours in total trying to get them to reactivate my card that they deactivated when the refund came in, which they won't compensate me for. I am positive the issuer has instituted this policy to steal refunds from cardholders by making it impossible to check on their cards to see if the refund has come in, and by making it extremely time-consuming to get the card reactivated after they deactivate it. When I finally got through to the last person, he wanted me to verify the date of the purchase in addition to all of the background information I previously supplied to the other customer service people in a final attempt to delay giving me my refund - and since I could not look at my online history for that card, I was lucky I still had my email receipt or they would have further delayed the refund. I want this policy stopped - it has happened to me with other pre-paid credit card companies on 3 other occasions ( when {$1.00} charges appeared on my card which were not authorized, and when I disputed them, they did the same thing to the card, de-activating it and not allowing me to see any information on it or get info via the customer service number ) and while it is not financially practical for individuals to do so, it clearly is in the best interest of all comsumers that you do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear, Consumer Financial Protection Bureau I am writing to dispute the following information on a lien judgment. I recently discovered this while trying to refinance my house. The below debt was previously discharged by my bankruptcy. 
The case number was XXXX. Discharge date XX/XX/17. By order of the United States Bankruptcy Court : XXXX District of XXXX, by the honorable Judge : XXXX XXXX XXXX Dispute 1 Account Number or other information to identify account : Citibank Credit Card account number is XXXX. Mailing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of claim was {$25000.00}. 

Debt sold by Citibank, to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. Phone : XXXX. Acct. number XXXX This creditor XXXX XXXX XXXX is now pursuing me, reporting bad debt and refusing to release Lien judgment.

Debt was included in Bankruptcy that was Granted and Order Discharged by the United States Bankruptcy Court of XXXX XXXX on XX/XX/2017 Please review this and help me reach a favorable resolution. Your help is greatly appreciated. 

I have attached a copy of my bankruptcy papers with the account in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX XXXX ( See attached copies 14 pgs. ) Order Of Bankruptcy Chapter XXXX Discharge Lien Judgment Schedule F Creditors List ( Listing XXXX XXXX XXXX ) Trustee Ledger ( Listing XXXX XXXX XXXX ) Notice of Chapter XXXX Trustees Interim Final Report ( Listing XXXX XXXX XXXX ) Creditor Mailing Matrix ( Listing 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