BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Ditech Financial LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
First, We have yet to receive our XXXX Settlement from CFPB!!!!!!!!!! 
XXXX XXXX XXXX XXXX ... WHAT MORE CAN I SAY! 
This Mortgage Lender failed to accept my PAY-OFF MONEY! This Mortgage Lender 1st took Forced Placed Insurance in XX/XX/XXXX NEVER mailing notice of such ACTION! For 10 years my payments were diverted to FPI ... EVEN after our XXXX   Agent talked on the Phone to Green Tree, changed the necessary Policy requirements per Green Tree, SENT us a FAX with the Detailed Policy Changes THAT we immediately adhered too yet Green Tree continued their GREEDY pursuit and over the next seven ( 7 ) years deducted more than {$30000.00}!!!! We know this because we Subpoenaed Green Tree 's Records for a Small Claims Case XX/XX/XXXX. We LOST THE CASE BECAUSE THE STATUTE OF LIMITATIONS! This is ALL XXXX  because my 1st XXXX  Complaint was way back XX/XX/XXXX. After 36 Complaints to XXXX, FTC, FCC ( Phone Harass ) CA 's Business Oversight and a multitude of Sen, Reps both State &  Federal ... THIS PREDATORY LENDER WAS ABLE TO REMOVE THOUSANDS FROM THEIR HOMES AS WE WERE IN XXXX ... I HAD A CHECK FOR THE SALE OF FARM PROPERTY THAT WAS FAR IN EXCESS OF THE MORTGAGE PAY-OFF FIGURE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am updating original complaint that I sent to you. I made an original complaint XX/XX/XXXX for the debt collection company PMAB , LLC about not reporting to the credit bureaus XXXX-XXXX-XXXX   for the amount of XXXX. This is a medical debt. This debt came off the credit bureaus from another debt collection agency and was to go back to spin from XXXX XXXX, XXXX. PMAB , LLC responded during original complaint XX/XX/XXXX. The representative on that day told you CFPB it may prevent the items from reporting back to credit bureaus for minimum payment. I still can not afford. I have documents listed from that contradicts on what PMAB , LLC says on that they opened these accounts to credit bureaus XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. How can this be when they told you it hasn't been reported on XX/XX/XXXX. False statement. I also did a history from XXXX  only no updates for XX/XX/XXXX cause its still updating.. from XX/XX/XXXX you would think it would have been listed as was XXXX and XXXX but there is no opened date for this. On XX/XX/XXXX, I got a letter still from PMAB , LLC that the total XXXX has not been reported to the credit bureaus. My opinion is it had all ready been with the credit bureaus from another collection agency. The company could have put it as current account balance but did not. The reason is because it has run its course. Now on XX/XX/XXXX, please note I have documents stating on XX/XX/XXXX that its updated from XXXX and XXXX, no 30 days was given to make a formal dispute. I get another letter from PMAB , LLC Some other accounts evidently are falling off credit report XXXX XXXX XXXX XXXX from XX/XX/XXXX the totals XXXX, XXXX, XXXX. So with previous debts total XXXX it is suppose to be XXXX adding the XXXX from XXXX.Only the XXXX is not listed along with XXXX and XXXX. The XXXX and XXXX I understand PMAB , LLC didn't have to report because its under XXXX dollars. So the XXXX did fall off all credit bureaus from XXXX and XXXX, XXXX  is still updating I won't be able to send. to where all should have fell off credit reports. XXXX is what is listed from XXXX and XXXX. PMAB , LLC wants me to pay this where it should be XXXX. PMAB , LLC is coming up with a different total because of the agreement PMAB gave me stating this would not be reported. Once again all these accounts have run its cycle in the credit bureaus from XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however Equifax did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2018. The Well Fargo telephone response system for understanding and paying credit card bills does not tell the customer the current amount owed on the current statement. It tells the customer either the minimum amount owed ( {$20.00} ) or the full amount charged to date, which is larger than the amount currently owed. The customer service representative I spoke to said she had brought this problem up to the IT department several times but they refuse to change it. They do not provide the current amount owed on the current bill so that a customer will either 1 ) pay the minimum amount and incur a huge service charge. or 2 ) pay the full amount of the current charges on the card so that Wells Fargo can use their money and get interest from it. Wells Fargo is still deceiving their customers and over-charging them because their executives are still criminals. This would be quite easy to resolve but Wells Fargo refuses to do so. Please take action to force Wells Fargo to be fair to their customers.

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 2018-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however XXXX   did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.

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 2019-09-03
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: Account information incorrect

Complaint:
The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. 

XXXX XXXX XXXX XXXX # 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 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 placed a dispute with each of the major credit reporting agencies over 2 months ago without any resolution or response from any.

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 2018-02-23
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been locked out of my account with Coinbase with no access to funds within it. I logged a report with customer service on XX/XX/XXXX during which i was told purchase orders were suspended on my account. The reason was not provided and I was informed that the issue needed to be escalated. An estimate of 3-5 days was provided. 
A week later and no contact was received so i followed up and was given the same answer - the issue has not been reviewed yet and is sitting in queue. 
An inability to create a purchase order should not preclude me from viewing my current holdings. I am completely in the dark as to if my account balances have been tampered with. Coinbase has effectively frozen my assets with no warning. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Ocwen Financial Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ocwen has had a negative on my credit report since I sold my home in 2015. I have been writing to the credit reporting agency to have it removed but Ocwen has refused to take the negative off. I joined in a class action suit against Ocwen and case was settled in our favor. Copy of the settlement letter and check from the Dept of Business Oversight is attached hereto. When I have made calls to Ocwen they say they have no record of me and asked me to provide the dates in question. Yet they still report negative info.

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 2019-09-03
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Specialized Loan Servicing. Recently my city tax bill came in and it was incorrect as there was an error on my XXXX taxes. I was to receive a credit from the State of VT which is sent directly to the City of XXXX  XXXX for our property taxes. Specialized Loan Services ( SLS ) had already paid our XX/XX/XXXX taxes but paid too much. They even sent me a check for {$1500.00} since I apparently an overage in my escrow account. This check was received at the end of XXXX. I started calling on XX/XX/XXXX to 1 ) send them a copy of the NEW tax bill and 2 ), request an escrow analysis be done since my property taxes were now paid thru XX/XX/XXXX. I've called each week since then, have been promised a resolution and call back and nothing. They give me an email address to send my tax bill to and then say it was not received. To speak with a supervisor is to wait another 4-5 days. My last call was on XX/XX/XXXX with XXXX - # XXXX who promised me a call back and never called. All I want to do it pay the CORRECT amount on my mortgage but they are asking me to pay more with erroneous monthly statements. I feel my rights are being violated and I now have payment to the city I live in for my taxes thru next year. Nothing is being resolved and I'm at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on the mortgage payments because there was no more overtime at my time between the years of XX/XX/XXXX and XX/XX/XXXX. Since this I have lost my job as my job was relocated. I am seeking employment. I have tried for numerous modifications from the mortgage company ( Chase JP Morgan ) and they have denied me with no options. I have lived in my home since XX/XX/XXXX. I do not want to loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have recently pulled my report after being notified of a data breach with XXXX and XXXX. My information was compromised and I noticed false information being reported about me. I have sent multiple letters and made several calls to each bureau. As of today these inaccurate and misleading items still continue to be reported falsely.

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 2019-09-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX responded to a credit alert from XXXX and responded to dispute this matter from Midland Funding Management for 3,0000 estimate amount She responded through XXXX and their investigation remove them MCM and updated it .Then MCM sued XXXX XXXX through Civil Courts and hoping that XXXX would not show up in court. XXXX Appear and Judgment unfair award to them because Judge would not allow our proof and he focus on the Bill of sale of XXXXXXXX XXXX and MCM which wasnt contacted to XXXX XXXX only the Letter to be sue. Through XXXX contacted them about this matter before being sue the Account by XXXX had delete them off XXXX XXXX record proving possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Experian Information Solutions 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:
OPEN XXXX 2020 {$900.00} COMPANY : XXXX XXXX XXXX I CALLED NO RESPONSE

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 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One erroneously reported that I was 30 days past due in XX/XX/2019 on my account ending in XXXX. In fact, I made two payments on said account during the month of XXXX and they have refused to remove this error. I reached out to them on or around XX/XX/2019 and the representative did not address what I asked them to address. He mentioned that I missed a payment in XXXX and when I proved it to him that the company was in error, it was not corrected on my credit profile on all three bureaus. I am requesting that this error be removed from my credit profile on all three bureaus ( XXXX, XXXX  and XXXX ) as it hinders me from securing credit in the future. I plan to continue my relationship with Capital One moving forward and I am just simply requesting that the error they made be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was told I was pre approved to refinance my vehicle through Credit Karma 's third party lenders. I filled out multiple applications and received hard inquiries just to be rejected and turned away multiple times. As well as being told I was pre approved with a certain amount each month for a vehicle through Credit Karma 's third party dealership XXXX in XXXX. I filled out the application for the vehicle and was told it was approved but not for the amount the advertisement said, and then found out that the vehicle wasn't even available once I traveled to the actual dealership. Which left me with another few hard inquiries and a drop in my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.

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 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
capital one has been going back and forth on my credit report and putting negative information on my account. I file chapter XXXX and was discharge after successful completing my payments and capital one went on my credit report a negative remark. I went to chapter XXXX XX/XX/2015. Before I went I was making payments arrangement through XXXX and XXXX to pay capital one which they transfer the account to a third party. Once I went to BK they decided to comeback and update my credit report in a negative way. Its been 3 years and 2 months since I had a negative remark. They report recently and now I am a month since negative remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has been using deceptive tactics calling my phone several times a day from several different numbers trying to collect a debt not owed. I have no contractual agreement with this company. This company should either be shutdown or have legal action taken against them for their fraudulent and deceptive tactics trying to collect on debts that were not owed. I would like them to remove all negative accounts from all three credit bureaus to clear my credit report of these false accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Nelnet, Inc.
State: TX
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 submitted a loan discharge application to nelnet on XX/XX/18. I have an email confirmation they received the application. However, I have received no additional response back other than them providing me a hardship deferment. I previously mailed documents to them per the department of education and apparently they never got them, but reported negatively on my credit report. I told the dept of education they don't listen and they have my payments too high. I discussed a criminal record with the department of education and was told about the loan discharge paperwork. I was advised to send the paperwork to nelnet. When I called nelnet they denied knowing what it was and told me it was not then that handles it. And that I needed to reach back out to the dept of education. Everything in the dept of education site states it should go to your loan servicer who is nelnet. I emailed the documents and uploaded them in my account for review. I feel like I am being ignored yet again. I want to know this is seriously being reviewed. This last representative told me I could upload documents to my account as I do not go on the site because it never recognizes my password and I have to reset it everytime. This becomes very annoying. This time I uploaded the application to prevent them saying they didn't get it and I emailed it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: MoneyLion 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: Old information reappears or never goes away

Complaint:
A few months ago Moneylion agreed to update an account as paid and update any negative information on the account due to a mistake. They did give me some of their reward point for the problem. This is where things get interesting. An already paid off loan again shows and unpaid balance which dropped my credit score 50+ point. My car broke down and I needed to fiance a new car. That 50+ decrease in my score put me in a high risk and I am paying 16 percent! For a problem they said they were going to resolve this is completely and totally insane! i'M PAYING {$450.00} A month FOR 75 MONTHS ON A XXXX CAR! I could be driving a XXXX instead of a XXXX for this amount! 
This Moneylion loan was supposed to fix my credit instead if give me a XXXX XXXX and separate me from my hard earned money!. I am not sure that reward point that are going to give me a {$25.00} dollar gift card to XXXX is going to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.

Company response to consumer: Closed with explanation