BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2019-08-30
Company: Global Financial Services Group
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted about a debt I owed for visitation after insurance paid. I called XXXX XXXX, asked if the amount was still in-house or in collections ( I moved and missed the bills ), and paid the amount. Now I am receiving letters and phone calls from DataTrac collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I've had a hold put on my account for nearly a month now, and have not been able to buy, sell, or withdraw money from my account on Coinbase. Up until this most recent ID verification at coinbase.com/ssn, I have been able to easily verify my identity; and now that this latest verification is not working, my account is essentially frozen- no buys, sells, or withdrawals, even if I try to permanently delete my account. I've contacted customer support several times. I have about $350 worth of bitcoin that I would like to sell, and over $5k in my USD wallet that I need to withdraw.First (XX/XX/XXXX) and second (XX/XX/XXXX) times:They emailed me a pre-generated list of common reasons the SSN verification may not work. Most of these related to address technicalities, but one of them was this:"There may just not be enough information on record to sufficiently verify your identity at this time. This usually affects our younger customers more often. Unfortunately, there’s not much to be done in these cases but to continue trying the quiz, possibly with some variations of the information to be sure it’s not just an address issue."Since I've ensured that the information is exactly as it appears on the credit report, it appears that this is the reason why: that I am too young and do not have enough of a credit history to verify. Then why allow customers to deposit money into their account if for some it will just get frozen? Why wasn't the SSN verification required upfront?Third time (XX/XX/XXXX)After calling several times and trying to get past the (at least) 20 minute wait time, I was finally put on with a customer service rep who in fairness did try to be helpful. He linked me to two pages that he said usually resolve the issue. But in my case they did not. He said if I replied to his email in the case that the issue was not resolved, he would escalate it to a specialist. This was almost a week ago. I emailed and called again a few days later: no response to email, but over phone they said that once it's escalated to a specialist, there's nothing to do but wait. I suspect I will be waiting a long time.Tried calling back today (XX/XX/XXXX) to check on the situation, and a recording said they are receiving a high volume of calls and will not be able to help, and to try again later.It can't be legal to take customers money and freeze it after requiring a verification that is impossible for some customers. And then on top of that, they have an obviously inadequate customer service department and just hope that customers will be able to resolve questions with a stock FAQ reply. It's bad practice, and I know I'm not the only one suffering as a result of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These debts have been reported to Commonwelth Financial in Pa. The Original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 1.. XXXX XXXX. 2. XXXX. XXXX. 3. XXXX. XX/XX/XXXX. I have contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX they said they have nothing in my name. XXXX XXXXXXXX XXXX XXXX  XXXX is XXXX. Commonwelth Financial in PA XXXX said that these accounts were sent to them from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These three accounts have been removed from all 3 credit beauas and added back on with the same Name Commenwelth Financial out of PA. I had idenity theft of my Ss Card and DL on XX/XX/XXXX until XX/XX/XXXX. I reported this to our Police Department in Texas, in the county that I live in. On the report it Syayes that this is a Case Summary Report case number XXXX but Commonwy Financial said this is nota Police Report. So I Called the XXXX Police Department And have them the case number and advised them I needed A Police Report not a Summary case report. XXXX XXXX at XXXX Police dept ph number XXXX XXXX XXXX advised me that a case summary report and a police report where the same. Commonwelth Financial advised me that if I Dont provide a police report that these 3 Accounts are mine and I have to paid these account Per XXXX.. Also XXXX advised me that now these 3 Accounts have been turned over to a company called XXXX XXXX XXXX Phone Number is XXXX Called then and got Answering Machine. Left my Name and Number and have not heard back from them. I checked with the XXXX reviews and there is a statement that said that Commenwelth Financial and XXXX XXXX XXXX are scams. Please let me l ow how to get these People to stop putting these account on my. Refit Reports ... I have tryied everything and still asked to Pay these accounts that are not mine ... if you need additional information you can contact me at XXXX XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a account with a company called   XXXX   XXXX   but the are not receiving the data they need from my m y Chase or the y are always slow at sending   XXXX   XXXX   the requested data from my account so that 's why they had asked me to put in a complaint with you on this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen always denies my modification? I cant afford my payments, everytime that i call to check status on the application an this being every other day, they give the round around an there is always a doc missing from my end all though they say if I call one day they say package is complete and on another day that they realize i missed a paper, till I get tired and dont complete the process, this is after 2 1/2 month trying

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2020 I sent {$240.00} to my mother through the XXXX app attached to my Ally bank account. In my end I am receiving a confirmation that the transfer was successfully sent. The money is out of my account and shows as a completed transfer. On the receivers end, my mother reached out to her bank XXXX XXXX that also has an embedded XXXX app. She never received the funds. She was told the transfer was NOT completed. She has not received the {$240.00} that was supposed to be transferred within minutes. It is now over 10 days later. It was supposed to be an instant transfer through XXXX within a few minutes. My bank Ally bank is saying the transfer completed. XXXX XXXX bank is saying the transfer cancelled and were returned to my bank. XXXX is saying that they are not responsible and that both of us should call our banks. Luckily this is a mother and daughter team. We have been able to call both Ally bank and XXXX XXXX banks together and hear both sides of the story. We have called XXXX several times and were offered no assistance. We are merely the customers. We do not have the ability to trace the funds and the banks and XXXX are not being forthcoming. The banks should be doing the legwork, not the customer. We have done everything in our powers and need assistance from another source. The companies refuse to resolve the problem or speak with eachother. I have had {$240.00} literally stolen from me by none other than the FDIC- insured bank that promised to protect my funds. My mother willfully loaned me money that I am left unable to repay until these funds are returned to my bank account. The XXXX transaction number involved is XXXX. 

I called back in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and the problem is still not resolved. 

Companies involved. 
Ally bank 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 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
From XXXX through XXXX, I've tried as well as the company I hired XXXX XXXX XXXX XXXX to have car loanof XXXX XXXX XXXX removed off my transunion credit report.

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 2018-09-17
Company: SYNCHRONY FINANCIAL
State: KY
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:
There is an unauthorized hard inquiry on my credit report on XX/XX/2017 from XXXX/National Credit Cards/Airlines. When I called the number to dispute it, they were very rude and said they would not remove it. I could not get it removed from XXXX, as they said I had to call XXXX XXXX. I was stuck in a circle.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.

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 2018-09-17
Company: Waypoint Resource Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 Waypoint Resource group placed an account on my credit report ( XXXX and XXXX ) for an account that does not belong to me. I have never received any documentation or letters from them. The original creditor is XXXX/XXXX in Florida. 
On XX/XX/XXXX I called Waypoint Resource group and spoke with a person by the name of XXXX. When I provided her my name and social security number she stated it didn't match. I never had a bill or balance with this creditor. She spoke with her manager and advised that I could call back later in the week to find out a status for the account.

We ended the call and 10 minutes later they called me back. They kept asking for the wrong person. I advised them that there is no one by that name. They abruptly hung up and continued to call. They never left a voice mail message or any information. 
They are borderline harassing. They have the wrong person for this debt with incorrect information. Check behind this company as they purchased bad debt and trying to collect on it from the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called Equifax toDAY TO TRY TO RESOLVE A PROBLEM ON MY CREDIT REPORT ABOUT THEM REINSERTING A ( XXXX-charge off ) THAT THEY REMOVED AFTER A INVESTIGATION THEY DID TO REMOVE THE ITEM. 
RECENTLY I FOUND AN ITEM ON MY CREDIT REPORT THAT WAS RE-INSERTED INTO MY CREDIT FILE. YOU ARE REQUIRED TO NOTIFY ME WITHIN ( 5 ) FIVXXXX DAYS OF RE-INSERTING A PREVIOUSLY DELETED ITEM. I DID NOT RECIEVE ANY SUCH NOTIFICATION.. PLEASE DELETE THIS ITEM IMMEDIATELY ( XXXX-ChargeOff ). 
That account is associated with the fraudulent address they removed. I tried to explain that to the rep and he was very very rude and really did not care about what i had to say. I spoke to him XX/XX/2018 around XXXX Eastern time. Nobody needs to be rude to anyone when it is not called for. I think Equifax noted my account that allows them to be rude to me personaly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Experian Information Solutions Inc.
State: NJ
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 a mixed file on my report Bankruptcy, Not Mine. 

I have a 30 day late on my XXXX XXXX Account, I was never late.

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 2018-10-20
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found a collections account on my Experian CR in XX/XX/XXXX. It stated it was for an unpaid XXXX Bill that was transferred to  SUNRISE CREDIT SERVICES on XX/XX/XXXX. I checked and my final bill was paid directly to XXXX on XX/XX/XXXX. I called XXXX who stated they did not show a balance nor did they send anything to collections. I submitted multiple disputes with XXXX on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

I sent proof of payment, a letter from XXXX, and additional backup on all occasions. 

SUNRISE CREDIT SERVICES call my place of employment on XX/XX/XXXX and spoke with a receptionist. The collections agency asked for me by name and when asked what the call was in reference to told her they were a debt collector calling about my unpaid cable bill. 

XXXX has repeatedly responded that SUNRISE CREDIT SERVICES " has certified '' to them it was correct, I have requested information on the investigation but they have not supplied them to me. Further SUNRISE CREDIT SERVICES initially reported this debt on XX/XX/XXXX. until recently, after I sent my proof of payment, updated the date of reporting to XX/XX/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 2018-02-24
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Thank you for looking into this on my behalf. My husband has had similar issues with his student loans, also managed by PHEAA. We are both in the Public Service Loan Forgiveness Program, and making  Income Based Repayments through the Revised Pay As You Earn ( REPAYE ) program, and are around 3-4 years into the 10 year requirement. Per their site, I am currently at 40 PSLF qualifying payments made out of the 48 I have made, he is at 25 out of 51 payments for grad school ( if his XXXX were submitted when my last one was in XX/XX/XXXX, he would be around 36 ), and 41 for his XXXX   loans that he has been paying on since 2005 ( since approximately XXXX with PHEAA, XXXX XXXX previously ). 

All we want is a list of payments made ( which they do provide ) and a notation whether the payment was ultimately deemed as PSLF qualifying for our records ( which is impossible to determine - they only give us a total IE payment made XX/XX/XXXX - PSLF Qualifying, payment made XX/XX/XXXX - Not PSLF Qualifying { because no XXXX has been filed yet } ). 

For some reason, getting this level of clarity from PHEAA on this has been like pulling teeth, and it is hard to fathom why this would be so difficult for them to provide. On the site, they break down payments into amazing detail - but not this detail. We have both made requests of this nature, and only seen one document one time that provided this level of detail - and this was only provided after multiple requests. 

My most recent XXXX Certification letter dated XX/XX/XXXX indicates for example that from the dates of XX/XX/XXXX through XX/XX/XXXX my employment was qualifying for PSLF, but there is no clarity on how many of my payments made during that time period were PSLF qualifying. All documents of this sort dated prior XX/XX/XXXX are no longer available to download or view via their site, so I can't access older certification forms. 

We are trying very hard to comply with the requirements of this program, but find some details challenging to discover outside of the verbal guidance of a person in their call center. We prefer clearly written instructions so there is no room for confusion, or later being told we did something incorrectly when we followed their guidance ( which has happened already - IE no one told us that if you made payments prior to the statement for the month being generated, even by one day, they would not be " qualifying '' until after my husband made a few payments 25-28 days before the due date and inquired as to why they weren't counted as " PSLF qualifying payments '' ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to qualify for a loan to build ( and get a with a take out mortgage too ) my residence on a small XXXX I own. I have been told that by federal banking laws, I can not use any of the net income on the XXXX to qualify for the loan. I do not understand why this should be true. Is it?

Without the house, there is {$7000.00} of property taxes on the land, mostly attributed to the value of the XXXX. The bank says all of the property tax obligation under federal banking laws must be included in my residential tax obligation, even though it is fully paid by the XXXX income, which I can not include in my income. I think only the additional property tax associated with the new residence should be included.

I asked my XXXX credit association. They can only lend me money for my XXXX activity, which they do. They can not lend for the residence because most of my income is from non XXXX activities.

I had three loan brokers tell me they can not lend based on the XXXX income and that I had to include the full property taxes in my annual expenses and could not any off set for the XXXX   income.

This does not seem just. Can you please look into it. Thanks.

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