BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and Transunion. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and Transunion. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.

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 2018-06-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted all required documents for an income driven repayment plan by the deadline of XXXX. They received the initial application via the website portal. Since my income had changed from the previous year, I then faxed over my proof of income to their fax number. They did not update my account and did not notify me that they did not have the complete application until XXXX when they stated by IDR was denied and I owed {$1500.00}. I then contacted them and they told me I just needed to upload my proof of income. Since they claimed they did not receive my initial fax, I uploaded a document through the website per their instructions. They then updated my account for the future payments to accurately reflect my income but refused to update it for the month of XXXX and state I still owe them {$1500.00} for that month. My income has not changed at all. I submitted the initial fax by the deadline. They did not inform me they did not receive the complete application. They told me I just needed to upload proof, which I immediately did. Now they will not update my account and are trying to say I did not file within the deadline, except I did. It is not my fault someone in their company did not update my information with the initial fax that I submitted with my application. And now they are refusing to be held accountable and simply update my account. If they are not going to man the fax machine, that should not be an option to submit documents. This was in no way my fault and I have repeatedly explained the situation to them and asked them to update my account, as they are required to do. I have fulfilled my end of the financial agreement. They are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They keep sending me letters with my name spelled incorrectly they keep spelling XXXX XXXX XXXX XXXX and my name XXXX XXXX XXXX XXXX ( not XXXX ) please fix that immediately and i told them to delete every address thatt dont belong to me and they still havent, i never lived in none of the address below please delete which is XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX, texas XXXX and XXXX XXXX XXXX XXXX XXXX tx 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 non-monetary relief
Consumer complaint received 2018-12-20
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had my information stolen a couple of times. Once from a family friend who made many transactions I was aware of & & again a website I frequently used was hacked and the hackers used my card information to purchase multiple gift cards. Chase closed my account without warning and knowing the reasons my claims were filed. I received no warning and no explanations regarding this. I have been a customer with Chase since I got my first job at XXXX years old. Been with the company over 10 years and was treated unfairly! The company sends me information to open an account and this one time I tried again they closed it without contact! Chase does not value their customers and although I would love to bank with them again. I guess I will get no information on if I will ever be able to. My whole family banks with Chase my grandma who is in her XXXX is the reason my family uses them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...

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 2018-06-14
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm in the process of selling my home and received a payoff letter which lists a Total Corporate Advance amount of {$1000.00}. I sent an email request on XX/XX/XXXX requesting an explanation of this fee. I received an email with a letter stating " per the terms of the contract, the lender may may necessary expenses in order to protect its security interest in the property. The lender may then seek reimbursement from the customer. Unless arrangements are made, failure to pay the expenses may constitute a continuing default under the terms of the contract. Please find attached a copy of the advances to the account made on your behalf. '' I called Ditech 's customer service department at XXXXXXXX XXXX on XX/XX/XXXX and spoke with XXXX. I explained that none of the transactions add up to the amount listed on the payoff. I had filed Chapter XXXX bankruptcy in XX/XX/XXXX. The mortgage was sold to Ditech ( known as XXXX XXXX at that time ) in XX/XX/XXXX. The bankruptcy was discharged XX/XX/XXXX. XX/XX/XXXX directed my most recent mortgage payment from the principal, interested and escrow, reversed the payment and applied it to corporate advance repayments at that time in the amount of {$1900.00}. It was then necessary for me to make an extra mortgage payment. I contacted Ditech in XXXX via email and phone and had no resolution. I should have continued to fight and question but I seemed to be getting a runaround from the various representatives I spoke with. XXXX submitted a verbal request and it would take up to 30 days to receive a response. I don't have 30 days to wait from today XX/XX/XXXX as this house is going to settlement on XX/XX/XXXX. I need this resolved as quickly as possible. 

I find that this additional corporate advance repayment fee listed on my payoff letter to be highly unreasonable, especially since my chapter XXXX bankruptcy was discharged 14 months ago and Ditech didn't even originatet the mortgage. 

I would like to have this unreasonable fee removed from my payoff. I question Ditech 's ethics and the competence of their accounting procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Thursday, XX/XX/2021, I, XXXX XXXX received mail from Exeter Finance stating that I owed {$550.00} and if I didn't remit payment to them that they would repossess my vehicle. According to 15 USC 1692b ( 2 ), there is no debt collector that has the right to state that a consumer owes any debt. According to 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692f ( 6A ), no debt collector has the right to threaten to take any legal action against a consumer and has no rights to seize any property. Exeter Finance is also in violation of 15 USC 1692e ( 2A ) for false, deceptive and misleading information. In 31 USC 3123, the U.S. Government. is pledged to pay, in legal tender, principal and interest on the obligation of the Government. The Articles of Confederation in Article 12 states that : " All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress, before the assembling of the United States, in pursuance of the present confederation, shall be deemed as considered a charge against the United States, for payment and satisfaction whereof the said United States, and the public faith are hereby solemnly pledged. '' I have also been harrassed and abused by Exeter Finance stating that they would report any information to my credit report and seize my property which would ruin my reputation, due to our consumer reports being looked at as our reputation according to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, My paypal account was locked and my funds my hold now I can not manage my account nor withdraw my money. I already contacted paypal for this matter but they said I did an unusual activity or something like that. I didnt do anything bad and now it is locked. I just wanted to withdraw my remaining funds at my paypal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX  XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account # : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: I.C. System, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ic system company just report on my credit report about XXXX the have been closed since 2015 and the items be returned to them and bill as well and now used my information and privacy sell to three parts and need removed immediately

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 2021-05-30
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I had about XXXX in crypto in my account In the evening of XX/XX/XXXX my money was gone and there was XXXX Bitcoin The XXXX was an attempted charge on my debit card that thy fronted in my account but is denied because I dnt have those funds After dealing with my bank it seemed like my acct was compromised Coinbase keeps telling me about insufficient funds in my account to fund the XXXX Bitcoin purchase when ch was not me But still has not responded to where my XXXX dollars went Where and who stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America is still reporting that I am delinquent with them when they no longer own the debt and sold it to another company. I have no account or contract with them but they are still reporting. I have asked for verification numerous times in writing to get none.

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 2018-05-05
Company: CNG HOLDINGS 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: Information belongs to someone else

Complaint:
The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account # : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : 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 non-monetary relief
Consumer complaint received 2021-05-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at approx XXXX i notices my coinbase account and emails had been breeched. On the coinbase home screen there were address logging in to my account by the minute ... a full page full. I began removing the charges one by one and then coinbase disabled the account due to fraudulent activity. However, my email address and phone number associated with the account were changed. My emails were filtered to go to an unknown address so I didn't receive notifications. I have most of my assets in the coinbase vault which requires approval from 2 email accounts but both of those were breeched. I never received an email regarding whether or not the coinbase vault withdrawals were initiated ... but if they were, those notifications were sent to another email or deleted. The account was set for recover on XX/XX/XXXX. The email address I started coinbase with was closed by the hackers but I have a private investigator and we are in the process of reconstructing it. Time is of the essence. I still have the original phone that I started the account with so I don't understand how they were able to change the phone number without facial recognition. I had around 190 thousand dollars in this account and I did not approve any withdrawals or liquidations. As time passes ... the hackers/scammers just have more time to figure out how to get into my account. I initiated support tickets immediately, and everything should have been shut down well before the 48 hours before vault funds are moved. Original documents should be asked for to prove identity being that the hackers had access to my account passwords. These include original bank statements. Photo uploads of drivers license and not file uploads. Some investigation of the validity of the original phone number used and a trace of the phone number that the account was changed to. I've set up several email addresses to communicate with coinbase, and they get hacked as well. Passwords changed. To keep me from communicating and knowing the updates to my account. As of right now the log in says that my account doesn't exist. This should not be difficult to trace if everything wasn't automated. A simple phone call can save people their life 's savings

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repetitive calls all day everyday from XXXX XXXX. When they call me they always call private so the number never shows up and I know its them because Ive answered the phone on multiple occasions and it was XXXX XXXX. I get calls from them atleast 3-4 times per day. Its really annoying and they never call from a business number its always private.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
When i requested a transfer of a merchant credit from 1 american express card to another, bank made a mistake and withdrew over {$900.00} from my account without notifying me or obtaining my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call from a XXXX XXXX from XXXX on Wednesday XX/XX/XXXX, stating he was calling from a law firm XXXX XXXX XXXX XXXX. He advised I would be getting served court papers regarding a debt he stated I owed to Bank of America in the amount of {$2400.00} from XXXX. He also included the company had sent out multiple letters regarding the debt and could settle for {$500.00} in which I had no regulation of the debt but I stated I could Pay {$370.00}. I called him back Thursday XX/XX/XXXX to try and get some information on the debt he stated I owed because I did not want to be taken to court as he stated and was told the law firm has already done their due diligence and did not have to provide me with any proof at this time and if I did not pay today they would pursue the process and take me to court. I then paid the {$370.00}. I am now upset because I feel this was very misleading and I was taken advantage of. I am unable to find this company anywhere.

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 2018-06-14
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had several major medical complications in XX/XX/XXXX with three hospitalizations ; and with my husband having to take time away from work and major medical bills the expenses really started to affect our ability to stay up to date with our mortgage. I applied for a mortgage modification with Mr.Cooper and they decline despite the fact that all required documentation was sent to them. I decided to accept a payment plan.The plan stated I would make 3 payments in the amount of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX. We made all three payments as agreed. The terms of the agreement stated that once we completed the payment plan our mortgage would be current and we would continue making our regular monthly payment of {$1000.00}. The problem is that the Mr.Cooper did not keep their end of the agreement and upon completing the payment plan we continue to receive statements stating the payment due is {$1600.00}. This amount includes {$210.00} in fees that according to the plan should not have been assessed. I have made multiple attempts to resolve this issue with the lender with no success. In my last call I was told a case was opened to investigate the issue but over 4 weeks have passed and I never received a call back or any communication. In the meantime the lender has continued to send us harassing letters stating their intentions to take our home.

Company response to consumer: Closed with explanation