BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: EMG ACQUISITION GROUP, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I set up payment arrangements with XXXX at EMG. She then reopened my loan instead basically renewing it. Since then I have been unable to pay. At this point they have now called my references and told them that they are COLLECTING on a loan. This was private information. They were only supposed to call the references to tell them that they needed to speak with me. Now everyone knows I can't pay my loan there. They called XXXX XXXX and spoke with her on the phone stating multiple times that they were calling to collect the money I owed. I am not ok with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: MS
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:
I have contacted XXXX, XXXX, and Experian in XXXX, and XXXX 2017 to remove in accurate information. Under the new law effecti XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my 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 2017-07-26
Company: EQUIFAX, INC.
State: MS
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:
I have contacted XXXX, Equifax, and XXXX in XXXX, and XXXX 2017 to remove in accurate information.
Under the new law effecti e XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Recently, Using the Chase XXXX XXXX card, I booked a flight with 19,370 points on XX/XX/XXXX for travel XX/XX/XXXX. The XXXX XXXX comes with a hefty {$450.00} annual fee but ( claims to ) offer some superb travel protection benefit. This flight was cancelled requiring an overnight stay kicking in the travel protection benefit. Now the issue is that it has been nearly impossible to claim this benefit. After submitting the proper forms to the claim agency, more forms were apparently needed to show proof that the points used to book the flight were from my Chase XXXX XXXX card. Getting this documentation from Chase was nearly impossible, requiring being on the phone more than 3 hours and transferred multiple times. The card advertises this amazing benefit and several others, but when it is this difficult to claim the benefit, it becomes far more of a hassle than it is worth. For them to charge {$450.00} for an annual fee and then not deliver on the benefits promised seems like they should be taken action against. And after the 3 hours on the phone, 5,000 points were offered in compensation but never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: IA
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CCF Intermediate Holdings LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX  Was called about debt in XX/XX/XXXX from XXXX XXXX and XXXX about this debt again, told them that I already paid this debt Checksmart has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told XXXX about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. XXXX XXXX is in clear violation of my 30 day right to dispute.

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 2021-09-16
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2021 requested to update Automatic Transfer Authorization on my existing loan with Wells Fargo. I received the form from Wells Fargo on this date. I faxed the form in on XX/XX/2021 and received verification that the form was received. I understand that it may take one billing cycle for this change to happen. It is now XX/XX/2021 and Wells Fargo still hasn't updated the account. 

I called Wells on XX/XX/2021 and Wells informed me " there is no way we can check to see if we received the fax you just have to fax it again ''. I informed them I have the confirmation that the fax went through but Wells Fargo 's response was just to resend it again. Wells Fargo assured me that once received it would be processed in 1-2 business days.

I submitted the required form and Wells fargo is not honoring their own form and informing me they cant even verify if they ever received it or not.

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 2019-10-31
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
Nationstar/Mr Cooper # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance.
Then have been reporting me late for 7 months straight.
I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is  something I have no power over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Orions Management Group, LLC
State: GA
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:
This complaint is a response to XXXX XXXX response to my original complaint. XXXX ID : XXXX XXXX stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the Orions Management ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, XXXX is no longer showing a balance on the Orions Management account and I have n't even made a payment towards Orions Management. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/X/2017 ( documents attached). Come to find out that the last 2 payments made of XXXXXXXX on XXXX XXXX and another for XXXX a week after that (receipt of payments with confirmation # s uploaded)  XXXX-XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!

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 2018-01-03
Company: Navient Solutions, LLC.
State: PA
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:
XXXX XXXX/Navient never fully disclosed how the loans worked. I have been paying for years, consolidated and forbearance and still owe ridiculous amounts. I called passed fee months to consolidate loan. They said roughly 20 years 240 months. Asked to have application mailed to me has no loan terms on it. Just my information . Sent information to them keep.calling for status and all they say is it is being processed and letter was sentXX/XX/XXXX. I do not even k ow details of loans nor agree to it yet and they are telling me getting approved. I feel it has never fully been disclosed and is why I am still paying on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/2017, I transferred XXXX Membership Rewards points into my XXXX XXXX account ( transfer partner of American Express ). I tried to book a ticket using these miles for myself that night and received an error message. I tried again later that night and received the same error message. I was then locked out of my XXXX XXXX account the following day. I contacted XXXX XXXX and received a response that my account was locked due to inconsistent activity. None of my activities were out of the ordinary and from doing some quick research, it seems that XXXX XXXX has been specifically targeting and locking accounts with membership rewards being transferred in. At this point, I can not get in contact with XXXX XXXX customer service as the only avenue of communication I have is an email address they provided me for account audit communication, which is unresponsive. I spoke with American Express customer service and they refuse to reverse or refund the transaction. American Express should be liable as this same issue is ongoing yet there is still no resolution from American Express regarding the abuse by the XXXX XXXX program. At this point, I am locked out of access to my XXXX XXXX XXXX points ( Equivalent to at least {$1000.00} USD ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: GA
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 sent Experian a letter of dispute. Experian opened and closed the dispute for XXXX XXXX XXXX  within 48 hours of receiving my letter with no change to reporting. The status date on the account still shows XX/XX/2021. I suspected there was no investigation. I followed up with a Method of Verification letter which I sent by certified mail. The letter was received XXXX. Experian opened another dispute and closed it XXXX and did not provide any methods of verification. Experian again failed to properly investigate a dispute and violated my rights according to the FCRA. I attached the original MOV letter, proof of delivery, and a screenshot of timeline of closed investigations.

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 2017-07-27
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: FC HoldCo LLC
State: AL
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:
A computer glitch that was   XXXX   problem and not mine caused my inquires to be deleted and they later added then back on without sending out  a five  day written notice prior to them adding them back on. I then proceeded to call them to let them know of the error and that it was illegal to add them back on with out notifying me. Those inquires added hardship and my rights were violated by  XXXX . I 'm asking that you guys step in and put an end to  XXXX  so that they can stop victimizing me as well as others. As a resolution is ask that all my  XXXX  inquires that I did not authorize be deleted permanently as a violation that they did n't not notify me of and illegally added back.  <P/>  XXXX   XX/XX/XXXX      XXXX   XXXX    XX/XX/XXXX     XXXX   XX/XX/XXXX     XXXX   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 2017-07-13
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached an agreement with Schlee and Stillman to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: GA
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:
Experian failed to investigate a dispute. I submitted a letter disputing XXXX items on my Experian credit report, XXXX XXXX XXXX and XXXX XXXX. Experian opened a dispute for XXXX XXXX, and did not open a dispute for XXXXXXXX XXXX XXXX. I would like XXXX XXXX XXXX deleted for failure to investigate. I attached the original dispute showing both accounts and XXXX screenshots showing only one acct was in dispute, and XXXX XXXX XXXX was never listed as disputed.

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 2017-09-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I transferred XXXX PAY tokens ( TenX Cryptocurrency ) from my XXXX account ( another exchange ) 47 days and XXXX hours ago ( on XXXX XXXX, XXXX at around XXXX PST ) into my Ethereum wallet at Coinbase. 
Since the PAY tokens are an ERC 20 token ( ethereum platform ) I thought they 'd be no issues. The transfer was successful and delivered to my Ethereum wallet at Coinbase. I 'm still new to crypto currency trading, so I viewed this transaction as any other financial transactions ... if wrong address or not supported, the transfer would be rejected or worst case scenario reversed back.
However this is not the case, although the tokens are currently sitting in my Ethereum wallet, I can not access them because Coinbase does not support this specific crypto currency. They 'll accept the transfer in, but will not allow you to access them.
Only Coinbase has the private key to my wallet to access the tokens, but they refuse to send back the tokens, saying it would be too much work for them. The ability to fix the problem is available but they are not willing to do it. I am not the only one who made this mistake in the past, I 've read in various forums of similar cases where the transactions were reversed, so it is definitely possible. The problem now is that Coinbase has grown so much and so fast that they have not scaled their support staff to match the number of users.
The value of my tokens at the peak, a week or so after the transaction went up to over {$410000.00} - now the value has dropped to below {$110000.00} I 'm fine with the fluctuation in price, I just want my tokens returned. I 'm afraid someone there might steal the tokens or a hacker might take them, since the amount is quite large I would prefer to store them in my hard wallet ( offline ).
This is such a new field, I understand my explanation might be a bit hard to follow so below is a quick summary.
Sent crypto currency from one exchange ( XXXX ) to another ( Coinbase ), Coinbase accepted the transfer but because they do n't support the tokens, they will not allow me to access them to transfer or sell.
Coinbase can access them by retrieving the private key to my wallet but refuses to do so because they said it would be a lot of work for them. They felt this was my mistake and I 'm essentially out of luck.
I disagree because Coinbase is a financial institution, if they do n't support this token they should of rejected the transfer or at least reverse it, instead they are keeping the tokens and refusing to retrieve the private key to my wallet, which only them can have access to it. 
Thank you for your help. Please let me know if there 's anything else you need from me. 
XXXX

Company response to consumer: Closed with explanation