BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Fraudulent Foreclosure eviction of XXXX, by OCWEN, being the Servicer to the Original Issued United States Note Application, which ought to have been settled at closing table, from the delivered Credit Check equivalent to the United States Note Application applied. 

Upon the acceptance to fill out a Application for Qualification, to act as Indenture Trustee under the dead-pledged mortgage or deed from trust indenture, under which the Social Security has been issued to be eligible to secure act, which is the case from any Social Indenture Security, that is not required to be registered under the Security ACT of 1933, and includes to confine an allonge to the application for qualification, which creates an automatic set-off compensation, U.S. Note Application, for Federal Reserve Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been attempting to withdraw my funds from Coinbase for several days but every tine am told XXXX XXXX  account isnt linked and I need to relink it. However when I try to do that, it tells me the account is already linked. 

It should be noted that there are no issues when depositing funds, somehow the issues miraculously appear only when attempting to withdraw. 

I would also like to note that there is no way to get on the phone with the company, which is unacceptable for a public financial institution with a market cap of around {$100.00} XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
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:
Since XX/XX/XXXX, I have had monthly payments auto-drafted from my checking account to my student loan servicer, XXXX XXXX ( " Heartland '' ). In XX/XX/XXXX, Heartland claims that the ACH payment began being declined because of a closed account status. ( In fact, this is indicative of an administrative problem either with Heartland or with my bank, because the checking account had not recently been closed. ) In any event, Heartland failed to notify me that my payments were not being processed every month. 

I only found out about my delinquent account status when I checked my credit report and saw the negative reporting history submitted by Heartland. Specifically, Heartland had reported that I had missed payments for XXXX and XX/XX/XXXX, and that my account was at least 60 days in arrears. 

Upon calling Heartland, I discovered the reason I had not been notified is because they were sending statements to an incorrect mailing address ( as a result of their own typo -- a transposition of my house number, and not because my address had in fact changed ). I asked Heartland to correct the negative credit reporting because the lack of notification was clearly their fault, but they refused to take any action.

I do not think my credit should be negatively impacted because of this loan servicer 's neglectful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
It has come to my attention that an equity line of credit that was paid off in XXXX is on the title of my home.. I have tried since XX/XX/XXXX to get this handled. I have been sent the wrong release of lien 5 times. Just this month I have sent the request 3 times ( XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) I have a case number XXXX reference number XXXX and case number XXXX. I have made multiple phone calls. Each time I'm told it will be handled in 3 to 5 days. I have not heard back from anyone on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know it would affect my futures credit deals, I would like it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Navient Solutions, LLC.
State: GA
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:
I've reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about getting information regarding the origin of my loan. My daughter graduated in XX/XX/XXXXand the loan seems to be from XX/XX/XXXX ( disbursement date ). When I ask about the original issuer of the loan and the original balance of the loan I do not get an answer. I feel like this loan is inaccurate and I possibly should not be paying this loan if information can not be given to me to verify that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Via written letters, I have twice requested my credit report from SageStream , LLC, which states on its website that it " is a consumer reporting agency that is regulated by the Fair Credit Reporting Act. '' A SageStream report was used in a decision by a creditor to deny me credit. Therefore, pursuant to federal law, SageStream is obligated to provide me with a free copy of my report. 

I sent the written requests on XX/XX/2020 and XX/XX/2020. My first request was sent to the SageStream offices in both XXXX XXXX, CA and XXXX, AZ. My second request was mailed to its preferred address in XXXX XXXX. 

SageStream has failed to provide me with my credit report as required by federal law.

Any claim by SageStream that coronavirus has impacted its ability to generate my report is bogus due to the fact that my requests were made long before any state shutdowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2020-05-04
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i notice some collections on my credit report that i dont recall having, so on XXXX XXXX, I sent a dispute letters to the company that is damaging my credit with items that i dont recall having and also has violated the Hippa Act by sharing my medical information with others that i didn't consent in doing. I'm requesting for them to validate the alleged debt within 30 days and verification from the original creditor with a signed contract with the creditor.i have letters attached that i sent to SMITH ROUCHON & ASSOC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Exeter Finance Corp.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I opened 2 accounts with the same lender for 2 vehicles in XX/XX/XXXX toXX/XX/XXXX. I ended up in a divorce which put me into a situation of voluntary repossession for both vehicles.i gave back both vehicles and the loan company Exeter financial sold the vehicles for any loan value in XXXX into XXXX or so of XXXX. The remaining loan amount was than sold to various lenders which ended with XXXX XXXX back in XXXX some time and as of XX/XX/XXXX I had got in contact with them to make arrangements to settle the accounts and pay. I got my income taxes and paid both accounts as agreed by both myself and XXXX XXXX for the amounts offered as paid in full. I have 2 letters stating that the accounts are now settled and XXXX XXXX have now removed themselves from my credit but Exeter financial has not updated and or removed themselves from my credit seeing as they are paid as well if the lender got paid. I have tried calling Exeter back in XX/XX/XXXX and no one could speak to me from the department that handles the credit reporting of the accounts and I also left a message to get a response for the team and no one responded back. I have investigated 3 times on all bureaus and the XXXX credit bureau was the only bureau to remove them from the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

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 2020-07-30
Company: BARCLAYS BANK DELAWARE
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 customer service

Complaint:
On XX/XX/2020 a fraudulent charge was made on my Barclays XXXX XXXX credit card. This was discovered and reported to the card company on XX/XX/2020. The credit card company refuses to accept the dispute via their web portal, XXXX the phone claiming their dispute department was not taking calls. Their web portal also did not allow for submissions due to errors on the site. Company request a dispute be faxed or emailed In. Fax was sent and electronic confirmation of fax receipt was received, however company refuses to acknowledge receipt. Customer service is of no help. Providing different instructions on each call. This avoidance tactic seems to be common practice as indicated by numerous reviews on trust pilot and consumer affairs review sites. Meanwhile the company continues to charge late fees and reportnegative payment events to credit bureaus. Fraudulent balance was eventually paid by me to avoid continuing adverse impact to credit score. A ny state attorney general complaint has also been filed. Disputed have also been filed with XXXX  and XXXX  and the offending card has been cancelled.

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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The  address 4. The telephone number 5. The documentation used to verify the dispute. 
6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. 


They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item 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 2019-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied online for the XXXX XXXX XXXX Account on XX/XX/2019, provided the requested information, and account opened same day. One day later, the account was closed and I received a letter in the mail with no explanation why this action was taken, rather just the fact that the account had already been closed and that this decision is final. The letter also stated in the future I wouldn't be able to open an account with Bank of America. I have been a Bank of America customer for two years, and I feel this action is unjustified and ill-advised as no reason was given, eliminating any possibility of incorrect or inaccurate information Bank of America may have been acting on from being rectified.

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 2018-05-07
Company: EQUIFAX, 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:
these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
***ATTENTION THIS IS NOT A DUPLICATE COMPLAINT AND PER COVERSATIONS WITH CFPB THEY ALSO AGREE. PLEASE REVIEW AND RESPOND THANK YOU! **** To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Huntington Bank/First Merit. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I could not pay mortgage on condo unit. The bank sent a Financial Solicitation Package, requesting hardship document, XXXX, income information, etc. After package was sent, I waited. Weeks went by, before i was told a document had expired. I resent document, and waited ; then I was told the case was closed. Finally, after more calls and paper submission, the Modification was denied! I asked for documents to be transferred over for next step in lieu of foreclosure ( Deed in Lieu or short sale ), weeks passed, I was called and asked to resubmit the papers because they could not be reused. I resubmitted the documents. Months later i was told my Deed in lieu was accepted! I had to agree to pay {$700.00} ( not actual amount ) a month for several years & then the bank would take the unit back. The problem with the agreement was 1. The Banks Mortage Assistance Team was only working on XXXX of the loans ( unit has XXXXloans on it ), 2. when i calculated what they were asking for it was exactly what I OWED! ONLY OFFERING ME A LOWER MONTHLY PAYMENT, which was over {$20000.00} dollars. 3. They asked me to send another package to see what they could offer me for the XXXX loan! I could not pay, so i asked for the next step besides foreclosure ; i was then told ; try a short sale. As I was about to work toward the short sale, I received another call from the bank, detailing what I could do before foreclosure. XXXX XXXX stated, i could file for modification, deed n lieu, short sale. I informed her that I filed, refiled, and had waited for almost a year, before i was told everything was denied. She stated, that I could give the property back to the bank. Finally the burden would be over! and it was better than having a short sale denied ( which I was told was a probability ) so I agreed to that, and waited for the papers to be sent. I received, once again, the Financial Solicitation Package! I have worked with XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This bank has NO integrity towards their customers. They are NOT working to assist the customers in solving MORTGAGE PROBLEMS. THEY ARE NOT HELPING CUSTOMERS TO AVOID FORECLOSURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had an untroubled account with XXXX XXXX XXXX, acct id XXXX, for many, many years. Last year I lost my card, reported it, and they sent a replacement card with a new number. After having not used my card for a long time, months, I tried to make a small online purchase and it was declined. When I called to find out about the problem, I was told XXXX made an automatic purchase to my account for {$40.00}, and I was never notified. The payment due was late at that time with an additional {$27.00} late fee attached. I asked on the phone why was I not notified by mail or email. They had no answer. 

I filed a dispute. They required me to wait for their postal mail document. On XX/XX/XXXX, I received their mail-out and the due date was XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX   stating that they tried to reach me by phone on XX/XX/XXXX, and since I did not answer the disputed amount {$39.00} will remain on my account. I did mail a completed and accurate dispute form as they required on XX/XX/XXXX. Apparently, it was too late for their unreasonable expectations. 

I did not authorize this purchase for virus protection for an old computer I rarely use. 

How is it possible that XXXX can put something on my card unbeknownst to me and I can't make one charge on my own card? I also had trouble getting onto their website to access my account. I CAN'T ACCESS IT BUT APPARENTLY ANYONE ELSE CAN. 

Also important to note is that I did not receive any postal mail or email about this illegit purchase UNTIL I told them about that over the phone. Suddenly I can receive all kinds of mail and email from them. My email has been the same for years. My phone number and mailing address has been the same since XXXX. 

On XX/XX/XXXX I called XXXX again and told them to close this account immediately. I assume they did. 

XXXX  sent me an email on XX/XX/XXXX telling me my payment is due XX/XX/XXXX. They have sent me no acknowledgement that they received my dispute. 

How can it be that someone, anyone can access my account and I can't? How can the CFPB allow credit card establishments to behave so unreasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know it would affect my futures credit deals, I would like it to be taken care of.

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