BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: LA
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:
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4.  XXXXXXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got a loan over seven years ago and its gone into collections but I think they keep buying the collection from the original people and are still trying to collect and its been on my Credit report for like seven years at least seven years and Im trying to clear my credit up and I cant because they wont take it off the same companies reporting the debt for {$110.00}. They say the dead is from 2015 but that is not true this debt is from At least 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Paid for a equifax membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported on XX/XX/2020 to equifax. Information has not been updated by equifax timely, and equifax has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: SC
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:
Unauthorized person shown on credit reports for a credit card account. I did not authorize this person. I disputed this information with Experian in 2017 and current report still shows this person as an authorized account holder. This name was recently used as a security question for me to obtain use of a financial database and I was declined because I do not know this person.

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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE XXXX. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**

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 2021-08-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My claim was denied due to payments were made which I never did I never had a Citibank account in my name and all the payments they said I made were false and returned according to Citibank and they are holding me responsible for the balance I didnt get a fraud pack form from citi and I would like for them to send one out to my address so I can filed a police report the account number ending in XXXX with XXXX XXXX is not mines i didnt apply for this credit card Im mentally XXXX and living under my parents roof I cant possess any credit cards and someone is stealing my info and I have the suspect name. Citibank is sending statements to my parents address and I would like for the payments to be investigated or Ill will contact a attorney to have this sorted out

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 2021-12-03
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a XXXX citizen an I applied to refinance my Reverse Mortgage and discovered that during the moratorium on debt collections in the State of California that XXXX Bank had not only sent my account to collections but both companies XXXX and a XXXX XXXX were both attempting to collect and reporting negatively on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
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:
Paypal closed my account for no reason and will not help me with getting it back and going. I am not sure of this is a mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently My email PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: WELLS FARGO & COMPANY
State: CA
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 rewards from credit card

Complaint:
I opened a business credit card from Wells Fargo. They had promotion XXXX cash back after XXXX spending in 3 months. I finished their requirement, and called their customer service many times about XXXX cash back. They said everything ok they will pay me XXXX end of the third months billing cycle. I wait for long time to call them after the 3rd months billing cycle. They changed story, told me I have 2 cards. I did not finish requirement. They cant pay me XXXX cash back. What happened? I am business credit card I just add employees card for my accounts. And I called them many times, they said ok for the requirement. They promised me the XXXX cash back bonus. They should honor it. Not just change story doesnt pay their loyalty customer.

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 monetary relief
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: LA
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:
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**

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 2021-12-03
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint. I thought the first one was resolved, but I went into my account yesterday & I noticed, Loancare took XX/XX/XXXX mortgage payment out of my account on XX/XX/XXXX WITHOUT my permission. I am NOT on an autopay. 

My XXXX payment was already made XXXX, XXXX. My XXXX payment was not due until XX/XX/XXXX. 

The company is LoancareXXXX - # XXXX Attached is the following. 

1 ) my bank statement showing all of my monthly payments. 
2 ) screen shot of Loancares website letting me know that I am up to date and my next payment would be due on XX/XX/XXXX. 
3 ) screen shot of Loancares website now letting me know, my next payment is due XX/XX/XXXX. 
4 ) Loancares payment history. 

If you notice, they reversed some payments and now the dates areXX/XX/XXXXandXX/XX/XXXX. Because they did that, I now have no proof, other than my bank statement, of when the payments were actually made. 

I am beyond stressed and need your help to finally resolve this issue.

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 2018-01-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I received notification that betweenXX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?

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 2019-02-02
Company: Monterey Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In approximately XXXX my now ex-wife enrolled in an alleged XXXX program to become a XXXX XXXX XXXX. The company was conducting a scam. The supposed XXXX  did not provide the promised instruction or service. 
The company is named XXXX XXXX XXXX XXXX. It is no longer in business, or is under a different name. 
I have attached screenshots of the company and companies that were connected. The screenshots are from XXXX Utah 's website. It is set up to show information about unethical or illegally acting companies. The screenshots show that it is out of business a of XX/XX/XXXX. 
The charge for the company was supposedly financed through Monterrey FInancial which is a collection company that also has a reputation for many complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
Disputed navy federal credit union auto loan that was opened on XX/XX/XXXX.  After dispute, credit score dropped 40 points and status of account went from from closed to open in XX/XX/XXXX. This happened again another 4-6 times since XXXX. Initiated another dispute on XX/XX/XXXX and credit score dropped another 56 points as of todays date related to account status changing from closed to open. Over the course of the last 7 months, my score has collectively decreased by greater than 100 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Sterling Credit Corp.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX from XXXX XXXX XXXX was rude unprofessional and contacted my bank XXXX XXXX XXXX XXXX and requested an amount from my account not authorized to he called me a liar and talked over me people picking up the phone are not representating the company this took place at XX/XX/2018 at XXXX, the number I was told to contact was XXXX I feel scared that this company has my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage transferred from XXXX Bank XXXX Rocket Mortgage as of XXXX XXXX, 2021. The only piece of information I received was a letter from XXXX, notifying me of the transfer along with old and new mortgage numbers with contacts info for each company. 

On XXXX XXXX, 2021, I called Rocket Mortgage as I wanted to set up automatic withdrawal for my monthly mortgage payment and make the payment due as of XX/XX/XXXX. I was informed the loan was in a blackout period, and I would not be able to do anything until Monday, XX/XX/XXXX. I have received no communication from Rocket Mortgage at all. I wonder when I will receive a letter or an email. Probably because they'd like me to default on my payment to collect the late fees. 

During my phone conversation with the Rocket Mortgage rep ( XXXX ), I was told the mortgage transfer process had XXXX steps so I was so lucky I had called in to check on my payment. Then, I was transferred to a 'loan XXXX ' to review my loan to see if he could save me money. I did not ask to be transferred nor did I agree to be transferred. The loan XXXX went through his script, and then asked if he could pull my credit. I said, no. He then tried to talk me into it by saying they save people money and it would be worth it. At that point, I told him there was no way he was pulling my credit, and I was not refinancing under any circumstances. 

This is a corrupt business practice that will take advantage of many trusting folks. I am disgusted by the behavior, to XXXX XXXX of refinancing just to get away from this unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
After I completed my XXXX XXXX application and was ready to start my trading experience a person called not saying their title or what there reason was to call me other than they found I had a new account, without me ever asking for their help or ever specifically calling them. I think this is a scam service and do not want XXXX XXXX 's help, or anyone 's help that does not state their business reason for getting my phone number and calling me. Anyone that calls should state their reason, professionally. 
The message included the following : Hi, XXXX. This is XXXX XXXX calling from XXXX XXXX calling about your new brokerage account. When you get an opportunity please call me at XXXX. My extension is XXXX. Thank you and have a wonderful day bye. 

This was not professional at all.

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 2020-04-26
Company: Asset Recovery Solutions, LLC
State: TN
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:
I have constantly disputed a {$17000.00} dollar debt that different companies keep selling under different names and placing on my credit. The company 's name it goes under now is Asset Recovery Solutions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They purchased this account from XXXX  XXXX XXXX XXXX, who has also sold it to several.different companies. XXXX  reports it and damages my credit. The last company that placed this on my credit was asked to show a signed contract in which they couldn't because i never signed one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to the XXXX XXXX. What they sent was not sufficient validation that I owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I initiated an ACH transfer for {$10000.00} to Coinbase on  XX/XX/XXXX. It cleared my bank account on XX/XX/XXXX. Coinbase notified me that they received it on XXXX. 

On XXXX ( after trying/failing for several days due to Coinbase website issues ), I completed my identity verification. My driver 's license is issued by Minnesota, but I reside in Illinois. After my verification succeeded, Coinbase notified me that due to restrictions with residents of the state of Minnesota, my USD wallet was disabled. 

I immediately submitted a support ticket through their website letting them know that I resided in Illinois and not Minnesota. Once I received notification that they received my transfer on XXXX, I could not see the {$10000.00} on their website, and it has never shown up there ( since the USD wallet is n't visible at all ). 

At this point ( on XXXX ), I called their support phone number. They provided me another link to be able to submit my lease to verify my place of residence was Illinois. I uploaded my lease immediately and responded to the email as requested. XXXX I received a response ( the only email response I 've ever received from them that was n't initiated by a phone call from me ) that indicated they received my documentation and would submit it to a specialist. 

I have called ( and waited on hold a minimum of 1.5 hours each time ) at least six times to talk to support people. On the last call on XX/XX/XXXX, the support person indicated that I was still in the queue for a specialist, and if they even opened/viewed my ticket ( or if I responded to the email ) I would be dropped to the end of the queue! After explaining my issue again, they indicated that they thought my problems could be a technical issue. To avoid dropping me to the end of the 'specialist ' queue, they opened up another ticket in the separate 'technical ' queue. I have heard nothing further from either of these support tickets. 

Since I am now in both queues that I know of, I 'm not able to talk to anyone that addresses either of these queues ( I 've asked multiple times ), and I 'm not able to receive any other updates ( since the support people ca n't open my tickets and I ca n't respond to the emails for fear of dropping to the end of a long queue ), I 'm basically left without access to my money or seemingly any other recourse short of legal action. I decided to try this site before going that much more painful/expensive route.

Company response to consumer: Closed with explanation