BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Discover Card has been charging me a fee labelled as " Discover Payment Protection Fee '' that I Never Authorized. I can only review the past two years of statements online, but I suspect it goes back much further because I have never been able to get the balance down. 
In XX/XX/XXXX the Fee was at {$34.00}. It has gradually increased. As of XX/XX/XXXX it  was in the amount of {$89.00}. The full amount charged between these two dates comes to {$1300.00}. I do not know how much was accrued before then. 
I have brought this to their attention. They sent complicated instructions on how to change my account settings, but I was unable to do so. But, even if I was able to removed the future charges, it still did not offer a solution for all the money lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: Coinbase, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with CoinBase ( www.coinbase.com ) and tried to withdraw funds to close the account on XX/XX/XXXX. I was informed by Coinbase that funds would be in my account by Tuesday XX/XX/XXXX. No funds arrived so I created a trouble ticket ( ticket ref : XXXX ) with them on XX/XX/XXXX. It is now XX/XX/XXXX and I have received zero response to that trouble ticket and to further attempts at contacting Coinbase. They have published a telephone number for support but after 45 minutes my call had not been answered so I gave up. 

I am seeing many posts online where people trying to withdraw funds from Coinbase are seeing many MONTHS delay in getting payment and I am trying to avoid it happening here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Expert Credit Sweeps
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
https : //www.expertcreditsweeps.com/ This company led by XXXX XXXX is scamming 100 's if not thousands right now! 
This is infomation of some of her recent high dollar scams!!!! 

XXXX XXXX XXXX XXXXXXXX Please investigate her company she charges upfront fees for services not even rendered!!! 

https : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-10-17
Company: Google Compare Credit Cards Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased gift cards. google play cards and google will not redeem them. they were purchased on XX/XX/19 and XX/XX/19. google asked for more information and then did nothing. i have call, emailed and chatted with they hundreds of times and i get no help. i have invested hundreds of hours and thousands of dollars into my google account and now that is all wasted because they put in a new system to prevent scammers. i gave them all the proof they asked for to resolve the situation and nothing has been done. the only scamming i have witnessed has been done by google.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-07-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Thursday XX/XX/XXXX a suspicious charge to the amount of XXXX $ was found to be pending in my Wells Fargo Bank account with the information for a legal order by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX and found the only open case they had was for someone with a different address then mine for a visit to XXXX XXXX in XXXX that I had not had. I contacted my bank and they stated that according to their records the legal order matched my personal information ( address, social security number, etc ) so I called back XXXX XXXX to speak with the court officer directly. The court officer confirmed that my personal information did not in fact match his legal order ( save for zip code and last name ) and advised me to contact the law offices of XXXX XXXX representing XXXX XXXX in the suit. I contacted them and by prividing my own personal information they also confirmed that my information did not match their records. They agreed to contact the court officer and bank to resolve the matter. The court officer contacted XXXX XXXX but they said it needed to be pushed up for further investigation. I find Wells Fargo to be negligent as far as I can see due to the fact that the only thing connecting me to this legal order is them providing my bank information. I trust my financially institution to protect not just my finances but also my personal information. I will be seeking legal recourse against the bank myself but feel as if I have been wrongfully out in a position I should not have to be.

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 2021-10-13
Company: JPMORGAN CHASE & CO.
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:
I have attempted multiple times to have JPMCB CARD vaildate a debt they have listed on my credit report that they claim I owe. My first letter, sent on XX/XX/2021, was responded to with a letter asking me to provide more information about this so called debt. As you will see in the letter attached that I received, it contained XXXX validation information for this debt. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me as requested. I then sent a second letter on XX/XX/2021 requesting this information be removed from my credit report if they are not able to provide proper validation of this debt. I have given JPMCB CARD more than 60 days now to delete and resolve this issue and no response with valid proof has been given. According to the FCRA, JPMCB CARD has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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:
THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST THE ORIGINAL CREDITOR, XXXX XXXX  AS A PART OF MY IDENTITY THEFT PACKET FILED IN 2019. THIS CHARGE WAS REMOVED THEN SOLD TO A COLLECTION AGENCY WHO HAS PUT THIS ON MY REPORT AGAIN. I FILED A POLICE REPORT BECAUSE I HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T HAVE MY NAME, CORRCT SOCIAL SECURITY OR ADDRESS. I WOULD LIKE FOR THIS COMPANY TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING THIS ACCOUNT. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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 XXXX is reporting two accounts in my credit profile under an authorized user. Let me be clear I have never held a XXXX XXXX card for XXXX nor XXXX  much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX  report, however, I have confirmed the existence of these accounts with XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Carrington Mortgage https : //www.carringtonmortgage.com/ and they did not apply the payments properly. This caused late fees and harassing phone calls. We can show consistent on time payments. We pay XXXX 's payment on XX/XX/XXXX, XXXX 's payment on XX/XX/XXXX. This initial problem was solved after months of harassing phone calls. Carrington was wrong we were right. Carrington removed the late fees because of their errors. On these calls I asked for the call to be escalated, I was transferred and told I was talking to a supervisor, instead I was talking to the person sitting next to the person who called me who was 'pretending ' to be a supervisor. They admitted to lying to me when the call get heated.

They badger, and bully good paying customers and make you write them when they can call you at all hours. They tell you to follow one path then when you do they say, follow this other path.

Today I am calling Carrington to have a late fee removed because there was a change to my escrow account and they did not apply my payment. Instead the kept my payment in unapplied, added a late fee and now will not remove that late fee. I was made aware of this by a phone call from Carrington. I made the make up payment within a coupe of days.

I asked for a supervisor and was told they were not available and if they were they would not waive the payment either. I was told they can not spend too long on a call.

Previous to today, when I called to find out why my payment was not applied I was told they could not waive the payment at that time and would have to call back. Now when I call back they say I have to write. 

This takes hours of time away from me waiting on hold and writing. I understand there are people who game the system and don't pay their mortgages. That is not us, our records show consistent early payments, yet we continue to be abused by this company, their practices and employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CURO Intermediate Holdings
State: TX
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: Problem with personal statement of dispute

Complaint:
Adstra Recovery services, XXXX XXXX, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account in question has been disputed and removed from my credit reports several times. This account starts with XXXX for XXXX this is not valid debt. Now its posted on my Experian report again. This needs to be addressed! Remove this account out of my name and off my reports.

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 2017-07-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XX/XX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX Pass-Through Trust XXXX is listed in XXXX XXXX XXXX Vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX,  under the name of XXXX XXXX Pass Through Trust XXXX XXXX File No. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company Pressler & Pressler contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, 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 2019-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is with great desperation that I have written to Sp servicing requesting a loan modification that would be affordable for our family. I intend to stay in my home and, hope, through the loan modification program. I will be able to get my loan back on track. I am very frustrated. This process has taken so long that I have incurred attorneys bills, escrow account increases and monthly principal and interest. SP servicing has conducted a review in accordance with the investor 's eligibility rules. 
I qualified for a loss mitigation program which offers a repayment plan with a balloon payment at the end. I had to reject the plan because of the balloon payment. 
Sp servicing claims this program was intended to help you avoid foreclosure. .However, now that so I do not lose my home Iam willing to take that Trial period they are telling me the loan is no longer available.. Are they playing games with hard working people. 

I am pleading now to please review my case and offer a more reasonable program. I do not understand how now that there is a change of circumstances the servicing company can not work with me,. 
I was fortunate for in XXXX of XXXX, I became employed at a restaurant near my home. My income has greatly improved with these increases. I will be able to to make my payments. I live at my residence since XXXX. I want to maintain my home for my children. 
I also must tell you that refinancing is not an option. My home does not appraise. 
I ask again you reduce the interest, extend the terms of the loan and I will be able to afford my home. 
I have submitted requested appropriated documents including my spouse 's financials such as paystubs, bank statements, to demonstrated that I am serious. 
I am hoping you can understand..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
( Credit Clearing House Of America ) at ( po box XXXX XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$200.00} ) the collection opened XX/XX/2017 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I attempted to obtain a consolidation loan on line and the company keeps asking and accepting money from me via bit coin and gift cards. I am due back over XXXX My loan manager is XXXX XXXX and his number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation