BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted midland funding in reference to this account. I requested validation for this account I never received it. I also have no contract with XXXX XXXX for this alleged debt. I called them and the representative stated that she could n't speak with me because this account was marked that I had a social security lawyer. I advised her I never said I had a social security lawyer. She refused to speak with me concerning my request for validation. I never received anything from XXXX XXXX in regards to this account. This was a XXXX XXXX account and the information that I received from XXXX XXXX does n't have XXXX XXXX anywhere on it. I did n't find out about this being on my credit file until I check to see what was on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I asked XXXX experian and XXXX if they can remove all of the old addresses and and inquiries tied to those addresses and they said they will but have not its been months after

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 2017-12-27
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I executed a sale of bitcoin on coinbase.com worth {$6800.00}. The funds were supposed arrive in my USD wallet that same day ; the transaction message I received stated the following : " Your USD will arrive by the end of day on Friday XX/XX/XXXX ''. This message is still being displayed in the transaction records as per XX/XX/XXXX, and to date I have not received payment. The transaction status shows " pending '', while the sale of the bitcoin shows the status as " completed ''. 

I contacted customer support after noticing the Funds were not available the following day, and the company responded with an e-mail instructing me to look up potential causes for delays on their website. There was no information regarding delays for sales of bitcoin and funds not showing up in the USD wallet. As per the company 's site, USD wallet transaction are supposed to be immediate. I responded to company 's email several times asking for further assistance, but never received a response. My case has not been updated since XX/XX/XXXX. The company 's costumer support phone number does not handle transaction issues, which means I am out of options at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NV
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at the Residences of XXXX XXXX for over two-years without any late payment on {$3000.00} rent. I absolutely loved my unit and all of the amenities. The unit became uninhabitable for me and my then XXXX XXXX XXXX Daughter. I have Management/Ownership every opportunity to fix the problem. In the end they provided a de-humidifier and left us to suffer. I informed the Manager that I would be moving because I was not going to wait for my Daughter to get sick. I moved out, had the unit professionally cleaned, and returned the keys. We received a move out statement where they attempted to charge us a lease break fee and relet charges. In Illinois Tenant Remedy for an uninhabitable dwelling unit is lease break. I disputed the charges and requested my day in court. Instead, the Management Company and Owner Representative sent this erroneous debt to Collections. Now I'm faced with the negative impact to my credit.

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 2017-12-27
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was late paying my auto loan, Westlake Financial has called my work number 5 times in 2 1/2 hours ( XXXX, XXXX, XXXX, XXXX, XXXX ) and has called my cell phone in 3 hours ( XXXX, XXXX, XXXX ). 

Every time I am late making my loan payment they harass me by calling my work and cell phone number repeatedly. Then when I do speak to them, they are very hateful. 

What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was included in my affidavit mailed to the Credit Reporting Agency as well as the debt collector. Trident has refused to respond to my request and continues to report identity theft information to XXXX. XXXX reported that an investigation has been done as well and continues to report this information as fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: AmeriHome Mortgage Company, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had an XXXX mortgage for 2 years. I refinanced for a lower rate, with closing being on XXXX XXXX. I received a letter from XXXX stating they had been paid in full on XXXX XXXX. It is now XXXX XXXX and I can get no answers as to where my XXXX account is. I 've made XXXX calls to the company. In this day of electronic everything, there is no excuse for my account to be " in process '' for 30 days. What was happening during this XXXX period? This very poor customer service and I just wanted to let people know how long things take at this company. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: PR
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:
Last XXXX XXXX 2017, I applied for a job at the XXXX XXXX XXXX XXXX and I found out that the XXXX XXXX account # XXXX I no longer have any responsibility since my ex-husband refinanced it and took me out of the loan. It reports being open reporting up to 120 days of delay affecting my credit history and the possibility of obtaining work. Although you send the necessary evidence for this information to be corrected in the Experian agency, you continue to report incorrect information, determining that XXXX XXXX confirmed that the information is correct. The XXXX and XXXX agencies corrected the information. I request that the necessary attention be given to my case since this incorrect information depends on my possibility of a job that I request.

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 2017-11-01
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My husband and I are on Income Driven Repayment plans while he is a resident XXXX as we have a partial financial hardship. I am on REPAYE, and he is on PAYE. Our loans are held by XXXX ( PHEAA ). On XXXX/XXXX/XXXX, we received a notification to submit annual loan recertification documentation. My husband and I submitted those documents promptly on XXXX/XXXX/XXXX. We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 


I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent XXXX # XXXX answered and had to transfer me to another department, so again I waited again until XXXX # XXXX answered. He informed me that the application was in manual review and should be finished relatively soon, probably by the end of the week ( XXXX/XXXX/XXXX ). 


After hearing no updates from XXXX, I called again on XXXX/XXXX/XXXX at XXXXXXXX XXXX. I spoke with XXXX # XXXX who said it would take 30-60 days from XXXX/XXXX/XXXX to process. I informed her that I had called on XXXX/XXXX/XXXX and was told that it would be completed last week. 


She transferred me to XXXX who stated she was a supervisor. She reviewed my information and said my application was queued for manual review, but strangely needed to be escalated or expedited, but somehow had not yet been done. She then provided a monthly estimate of {$1000.00} for the payment. I informed her that this was a significant increase and did not appear to include my husband 's loans, which we applied for and cosigned together on XXXX. She said she will try to expedite and we will hear an update by XXXX at the latest. I expressed concern that with my payment plan expiring on XXXX/XXXX/XXXX that this would not be enough time. Given the absence of response on XXXX/XXXX/XXXX, I have elected to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
Credit companies and bureaus are not complying with there own policy within a timely manner.

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 2022-03-11
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone # being called is not owned by the person the collection company is trying to reach. I have no information about this person, or know anything about this debt, and the issue is I have tried just blocking numbers from the company, but 'Credence ' continues to call, most of the times not completing the call or even saying who they are trying to reach. Once, though a name they were looking for was provided ( don't recall it ). Numbers attributed to Credence that are shown in the caller ID are ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

( Central time ) dates of phone calls are ; XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
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:
Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. Sub Servicer Bayview Loan Servicing purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. Sub Servicer Bayview Loan Servicing has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. 
S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. 
XXXX The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
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: Account status incorrect

Complaint:
On XX/XX/XXXX my lease account with XXXX XXXX in Puerto Rico was paid in full. On XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments onXX/XX/XXXXand XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX  with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with XXXX XXXX  was performed today,XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XXXX, but no correction was made.

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 2022-03-11
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is a formal complaint against Truist Bank. Truist has the worst customer service that I have ever experienced. It is next to impossible to reach them. The hold times were over 2 hours from XX/XX/XXXX to XX/XX/XXXX. The Fax number is always busy and not useable. The bank does not have an e-mail system. Local Banker in VA hung up on me during a telephone conversation. My loan account was immediately closed when I intentionally left an {$18.00} balance. I wanted to keep the small balance in order to trade my vehicle to a dealer so that my title would not get held up. The dealer was going to do the final payoff. My payments have always been ACH transfers. All of the payments were posted to my account immediately. Truist is not releasing my title electronically even though they have the payment, zeroed out, and closed my account. I have never had a bank pay off any loan. This is a Red flag to me. Are they going to send me a bill 6 months from now with interest and penalties. The bank will not provide me with a lien release letter or promptly release my title.

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 2022-03-11
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I've sent emails and also calls trying to pay off my entire balance and close my account. There is no resolution after 2 weeks going on 3. I've made XXXX payments that showed as posted but never showed up on my statements. Now I'm being charged late fees. The browser seems to be the only option to access any information. The app doesn't let you access any statements and shows very limited information. There's no way to contact directly. This company is causing me stress and anger.

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 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Erroneous Information and Statue of Limitations

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Opened Date XX/XX/2018 Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-03-11
Company: National Enterprise Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Enterprise Systems ( NES ) sent me a debt collection letter stating I owed them for my private student loans that were disbursed in XXXX and charged off inn XXXX which is 15 years after I opened the debt and the end of the re-payment period. 

I asked NES for debt verification as the lender has no record of any of my original debt. NES sent me the private loan application I completed in XXXX and a summary of my payments, including the charge off in XXXX. It still claims I owe them for the entire debt. 

They did not provide proof that I still owe the debt, that the original lender has any record of this debt, or what amount is currently owed- they are claiming I owe the original amount that was disbursed. This is fraud and financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CORELOGIC INC
State: CA
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:
XXXX  identity program called XXXX emailed me on XXXX to inform me that a company called CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested access to my XXXX credit report. I have a freeze on this report so access was denied. But I have never used this company for credit and dont recognize the inquiry. It seems fraudulent.

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