BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to JPL recovery out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XXXX of XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with JPL Recovery and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XXXX of XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour  time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Please follow this letter thread as my description and Coinbase 's response, which I have not heard back from them on since. 

RE : XXXX XXXX # XXXX # # # # # # # # # # # Dear Sirs, I made a wire transfer that was issued on XX/XX/XXXX and received into the Coinbase accounts by XXXX XXXX XXXX  on the same day. 
I have been attempting to locate this wire via my credit union since before the holidays without any luck. 
As of today, XX/XX/XXXX, I was able to verify with XXXX XXXX XXXX that the funds were received on the wire date. 
The monies in question, {$2900.00}, are intended to go to either my XXXX account under the name of [ Name ], or can be issued to my Coinbase account under the same name. As of today, they still are not credited to either XXXX or Coinbase. 
As you can imagine, this is a completely unprofessional and unreasonable amount of time for nothing to be showing up in my account ( s ) and I expect that there will not be any fees applied once the funds are found and credited. Of course, if this does not happen, my next course of action and compensation for this delay will be through legal means. 
Please have a representative get back to me by phone AND email regarding these funds, and what course of action will be taken. 
My phone number is xxx-xxx-xxxx. If a message is left, I need a direct line and extension number to respond. 

Regards, [ Name ] Response # 1 After phone call and email to priority support. 
" Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Response # 2 After phone call 10 days later, on XX/XX/XXXX " Hi again [ Name ], Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

Once your request is cleared, well be sure to follow up. 

Thanks so much for your patience and for working with us on this. 


They have had my money now for 60 plus days, with no acknowledgement whatsoever that they have received it, much less taking action to do something with it be it a refund or credit into my account ( with compensation of some sort for all this trouble ) I want my money back with interested/compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 carefully reviewing XXXX   XXXX  XXXX this was opened by my ex-wife and sent to her XXXX XXXX this was not opened by and is not my debt.

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 2021-07-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have a collection on my report that is a duplicate and the company has not removed one of the collections. They have not sent me what the collection is for and there is no detail on the my report where they came from either. I've tried to dispute with the bureaus but haven't gotten a response from them either. Please help me to get this removed as it is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX is reporting negative incorrect information on my XXXX credit report. They are in violation of the FCRA which requires consumer reporting agencies to maintain an accurate file of my credit information. My credit score has dropped over XXXX points because of this error. They have also misspelled my name and provided inaccurate mailing information. After disputing with XXXX , I was told it was being reported correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently purchased my first home with 20 % down. The home is a re-sale ( not new construction ) and has tax abatement with 7 years left. Although I am not required to ( per my loan agreement ), I am currently being charged monthly escrow payments. I did NOT request this. The issue is that these MONTHLY escrow payments ( $ XXXX/month ) equal close to a FULL YEAR 's worth of tax expenses ( $ XXXX/annually ). Again, this is a re-sale so there are 3 years worth of tax payments and history ( from the previous owner ) showing that the annual tax totals $ XXXX/YEAR. However, Better Morgage Corporation is currently charging me $ XXXX/MONTH in escrow IN ADDITION to the {$4500.00} I have already paid as an initial escrow payment at closing. As outlined in section 1024.17 ( C ) this is far in excess of " an amount sufficient to pay the charges respecting the mortgaged property, such as taxes and insurance ''. I have reached out to Better Morgage Corporation ( lender, who estimated the escrow amount ) via email making them aware of this issue. They responded with the following : " Property taxes taken 1.5 % of the purchase price for monthly impounding for a specific PA property. The property was built in XXXX however when the tax amount is lower than 1 % of the purchase price, these are the guidelines we follow. The purchase price is {$480000.00} and as per the tax certificate, THE TAXES PAID ARE ONLY {$900.00} which is 0.189 % of the purchase price. " ( email communication received XX/XX/XXXX ) In short, Better Morgage Corporation acknowledged that the historical ANNUAL taxes for the property total {$900.00} but are charging me far in excess of that amount anyway. 

Additional Information : Lender : Better Morgage Corporation Settlement Agent : American Legal File # : XXXX Interim Loan Servicer : XXXX XXXX XXXX ( Loan ID # available upon request ) next payment XXXX Future Loan Servicer : XXXX XXXX XXXX Loan ID # available upon request ) next payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There were 3 private student loans opened during the time of XX/XX/XXXX-XX/XX/XXXX. These Navient account has been delinquent since XX/XX/XXXX. They were originally Sallie Mae, when Navient took over in XX/XX/XXXX/XX/XX/XXXX they stated that i made a year of good payments and then charged them off. I have since disputed the good payments and had then removed however this will still be appearing on my credit bureaus till XX/XX/XXXX. these should have fallen off in XX/XX/XXXX. Per the fair credit reporting act these should have fallen off seven years after the date of first delinquency and not the date of last payment. Navient is trying to re age my accounts in order to keep them on my credit report longer, which is illegal. I fully give the CFPB permission to speak with Navient on my behalf about these student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Credit inquiries on your report that you don't recognize

Complaint:
The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social  security number. As well as the consent I gave them to report anything ...

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 2020-07-02
Company: SCA Collections, Inc.
State: NC
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:
A collection agency named SCA just reported a {$120.00} collection account on my credit report. I had no contact from SCA in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.

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 2021-07-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There has been a collection of {$770.00} on my credit report since XX/XX/XXXX from I C System. I have disputed this collection several times, only to get the results that it can not be removed because it is verified to be mine by I C System. The last dispute number I did on XXXX  is # XXXX. On today, XX/XX/XXXX, I contacted I C System at phone number XXXX and was connected with an agent by the name of Ms. XXXX XXXX, badge number XXXX, to try to see what the collection was on my account. She stated that she could not locate the account with my name, phone number, or address. I asked if she could contact a supervisor to aid her with finding the account. Ms. XXXX XXXX, badge number XXXX, was the supervisor on call. Ms. XXXX searched for my account as well. They both looked at every person who has my name in XXXX  and were not able to find the account that they are reporting. The last time that I C System reported to the credit bureaus ( XXXX  and XXXX  XXXX was Sunday, XX/XX/XXXX. After being on the phone for 44 minutes, the agent and supervisor could not verify any account in their system connected to me. I am filing a complaint because I asked the supervisor, Ms. XXXX if she could send out a letter verifying my association to this account and debt, she said that she could not do that because she does not see an account/ debt linked to my name, phone number, or address.

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 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 2015-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My XXXX XXXX XXXX account is over XXXX years old and past the statute of limitations for reporting. When I spoke with a rep over the phone, the rep claimed that because XXXX XXXX reported the account to them again in 2013, that it will remain on my report for XXXX more years after it was last reported. I tried to explain that is goes by the date of first delinquency, but the rep said I was wrong and refused to delete it. I am being denied a mortgage specifically because of this one account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed a complaint with XXXX which stated my status was open. I complainted with the FTC They changed the status to XXXX to 120 days pass due. Then they replied to the FTC that the report has been updated. When they actual changed the status to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX pulled a hard credit inquiry with out my permission on XXXX XXXX, 2015 as reported on my Equifax credit report. This need to be immediately removed. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter was sent to the credit bureaus and the collection agency on XX/XX/2021 asking to verify the debt ... Letter sent on XX/XX/2021 to the credit bureaus and collection agency asking to verify the debt. Letter sent on XX/XX/2021 to the collection company asking to Cease and Desist. After this I notice the collection agency and bureaus report that all was verified and updated, but I have not received any documents or statements showing me how or why this is verified or how this is my debt. I have not received any correspondence showing me this is my debt or how this debt was verified from neither party, but yet, my credit reports were updated with information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a withdrawal from my savings account. Upon looking at my ATM receipt I noticed that my balance stated {$390.00} instead of {$400.00}. Prior to the withdrawal, I had a balance of {$600.00}. I withdrew {$200.00}. My balance should have been {$400.00}. I noticed a charge of {$8.00} service fee. I had this savings account for years. I had never had any kind of fees for having this account. This account was a savings account. I then went to my car and contacted the bank. I was informed by the bank that my savings account had been changed to a checking account and that I the fee charged was a service fee for having that account. I stated to them that I had not authorized capital one to change any of my accounts or requested a new account. I was instructed that because I had made several transactions that my account was automatically changed. I have never heard of such. A few of the transactions made was my moving money from my checking account to savings and vice versa. This is the normal behavior of many who have a checking and savings account. I then requested to speak with a manager. The manager got on the phone refunded me the {$8.00} fee. I stated that you refunded the fee now but now I have to continue to address a fee problem from this point on when I had not had to before. I was told that I would need to now keep a specific amount in my account or be charged. I requested for the account to be changed back to the savings account. I was told that they could not do so. If I wanted a savings account, I would need to request a new savings account and close this account. I informed them that this is fraud and that the bank had no business changing my account and not first informing me. I found out about this by seeing the charge. This is another way for banks to make money by forcing their existing customers to take on new accounts and charging them for having them. I, the customer have not signed or provided authorization for this change. I informed them that I was recording the call and both individuals were ok with the recording. The manager stated that this information is written. The manager stated that if it was his account, he would be upset as well. I informed him that this situation is similar to the XXXX XXXX situation where the bank opened up many accounts in their customers names without permission. I want to send a strong message that this kind of behavior will not be tolerated. This has not been the first time to which I have made transactions, moving money from one account to the next or making a withdrawal. I was told because of my transactions and withdrawals that the account was changed to a checking account. I already have a checking account. I do not need another one. My bank is Capital One. The savings account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called Equifax numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XX/XX/2016 and XX/XX/2016 by certified mail. All investigations returned back to me case closed with no signed evidence that I applied for the credit. I have also sent a certified, notarized letter to Equifax on XX/XX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX. This will be my 3rd certified letter over 5 months trying to get this matter resolved. There has been a fraud alert placed on my report due to the invalid inquiries.

Company response to consumer: Closed with explanation