BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: Phoenix Financial Services LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
About a month ago, I received a call about a debt. They have sent me an itemized list of the debt, but with it, I couldn't get any information from the original creditor. I sent them a dispute, since I wasn't able to get any information on the debt. Today, XX/XX/19, they called me, and I asked her for more information. She claimed that I never gave them my address, which I did -- and said that it was my fault that I didn't get any mail from them. I asked her to send further verification that it is my account, and she said they've sent all they needed to. When I kept asking for a written document showing me more details, she said that she will put me down as " refused to make payment '' and hung up on me. I kept calling, and she would hang up. I feel like if I can't find anything about my bill with the information they gave me about my original creditor, then they should provide more, but they're refusing to. They were willing to provide some info through the phone, but I wanted it in writing. She go pretty loud when I asked for that. What do I do? : (

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Within the past month, the so called " ligitation '' company for ACE Cash Express has contacted ex-relationships, in-laws, long-distance relatives and employer to collect debt. Initially, I spoke with a representative and informed her that my family is affected by the COVID-19 pandemic which they did not seem to care much about. After a couple weeks, they reached out to one of my ex-relationship to leave a voicemail about me being served papers to my employer and/or residence. In that same day, they reached out to a long distance relative and left the same voicemail to contact XXXX XXXX. When I called back, the lady said there was noone by that name that worked there and they did not control who they called. Also, she refused to give me her name since I did not make payment arrangements. AGAIN, COVID is still affecting my family so I can make promises with no stable income. Very rude and unprofessional and threaten to be served papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: ACIMA CREDIT, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE NOT RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 at XXXX XXXX  pst i used a Chase bank ATM to withdrawal {$500.00} I did not receive any money from the ATM and the receipt that was dispensed clearly states it as well. However, my card account was debited a total of {$500.00} from Chase. I contacted Chase by phone and also went in the branch spoke with the Branch manager which told me they are unable to do anything right now since I do not have an account with Chase so I need to contact XXXX XXXX and have them initiate the dispute. I then contacted XXXX and filed a dispute and have also faxed a letter stating what had happened along with my receipt from the ATM and still dont have my money. I contacted Chase numerous times and they just keep telling me they can not do anything and to contact my bank so they can contact them themselves and that they are sorry. I also contacted XXXX numerous times and feel they have not done anything also cause I havent been given any provisional credit and they just keep telling me it can take up to 45 days. None of the banks have done anything for me but give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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 have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from XXXX, Experian, nor XXXX. They have inaccurate information on my credit report. XXXX, XXXX, and Experian are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-19
Company: WELLS FARGO & COMPANY
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I think Wells Fargo is being picky in regards to offering it's products on personal loans/LoC. I have a very good credit score and have enough liquids but still Wells Fargo won't believe it and denied my application without any explanation. I think I am a vicitim of Disparate Treatment here.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2018-10-02
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance is not giving us credit for mortgage payments that we made by putting the payments in suspense accounts and not crediting our account. As of XX/XX/XXXX our statement showed that we are {$0.00} past due. Selene accepted this payment on XX/XX/XXXX. About two weeks later we get a " Notice of Default and Intent to Accelerate.

This company appears to be using unethical, possibly illegal practices and trying to push a intent to accelerate to take customer home. This type of behavior should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notwithstanding a number of disputes to the XXXX XXXX and XXXX consumer reporting agencies concerning an improperly reported Monterey Collections Services collection account, said account continues to be reported without proof of ownership. As detailed in a prior complaint, not only was this account disputed as " not mine, '' but it continued to be reported notwithstanding a direct written dispute to Monterey. No investigation was conducted - I was simply ignored in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Overton russel doer and Donovan have submitted claims to the credit bureaus that arent real. There a many that are the same exact amount. They just keep creating a new acct based on the original, killing my credit. This is unfair and unconstitutional and attempts I have Made to dispute have been futile. I am A person with a XXXX and I deserve to be treated just like any other person. I want To pay my bill. Just not 20 versions of the same bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: CONTRACT CALLERS INC
State: MD
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to assume the mortgage for the home I own since my husband ( sole on the loan ) died in XXXX of XXXX. I was not on the loan, but we had filed a joint tenancy deed, and I was the sole inheritor of all of his property by will. The mortgage company, Wells Fargo, was provided with both the deed and the will. I was initially told that I would need to refinance. I knew this was incorrect and that I had the right under the Garn St. Germaine act to  assume the mortgage. The attorney who handled my estate filing interacted with Wells Fargo citing my statutory right both by correspondence and phone several times, with no successful resolution. I made a previous complaint to this bureau, with no successful resolution. I was recently reassured by a banker that I did have the right to assume the mortgage, strengthened by recent regulation, and recontacted the company ( both mortgage division and corporate ) by letter XX/XX/XXXX. This time I did receive response acknowledging my right, not to assume the mortgage, but the right to be " reviewed '' for an assumption. This review was to consist of a credit income qualifying process. It is my understanding of the Garn St. Germaine Act that if I wish to assume the loan, the lender must honor the assumption whether or not I am creditworthy. [ XXXX XXXX XXXX, XXXX XXXX, pp XXXX, XXXX, XXXX, XXXX ] Because this is so, I object to the requirement imposed by Wells Fargo that I must undergo a credit income qualifying process the fees of which are approximately {$3400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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: Account status incorrect

Complaint:
I have contacted Equifax 3 times to dispute health care collections bills that have been paid. On XX/XX/2018 I paid 2 medical bills to XXXX XXXX XXXX using my credit card. I have receipts of payment for {$78.00} and {$190.00} respectively are the amounts reported as collections on my Equifax Credit report. I disputed these accounts with Equifax. The dispute results attached show Equifax claims they validated the creditor 's claim. This is impossible given I have receipt of payment. I disputed the claim again, this time in writing and provided copies of the receipts. Equifax still has not removed these collection reports from my credit file. Attached are copies of the receipts of payment to the medical company, a copy of the letter I sent to Equifax, a copy of the 2nd dispute resolution letter where Equifax claims they validated the creditor 's statements, and a copy of my most recent credit report with Equifax ; which shows the collections are still on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I've been with Wells Fargo for 9 years or so, but I'm going to another bank. It's a culmination of constant problems from losing money ( my funds disappearing basically ). For example, I had a balance of about {$50.00} ] yesterday. today its {$180.00} The transfer I made was the only transaction, it's not correct. 
I know wells Fargo owes me alot that's disappeared over time, I need assistance with what to do next.

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 2021-05-02
Company: Shellpoint Partners, LLC
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:
In XXXX of XXXX I entered into a mortgage forbearance with my loan servicer XXXX. In XXXX of XXXX my account was transferred to Shellpoint Mortgage servicing. When they received the loan they immediately began reporting the loan as severely delinquent. I provided proof to them that I was in a forbearance. In XX/XX/XXXX I spoke with Shellpoint and they we entered into a loan modification starting in XXXX. I have made each of the three payments for XXXX, XXXX and XXXX in a timely fashion but they have now reported that I have not made the payments and are reporting me 120 days late on my credit. 

I have written to them, spoken with them and e mailed them to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: Capio Partners, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Capio Partners / XXXX  of XXXX ; I just got out of strange phone calls with representatives of Capio Partners ( # XXXX ) and XXXX  of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? 

Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried several times to dispute accounts with the 3 credit bureaus. The accounts in question were reported incorrectly and some do not belong to me. Each time I have disputed the results are the same-no change, and they stated that the information is verified, however, I have personally emailed and even spoken on the phone with the CEOs or their assistants to get information on the accounts in question. After their investigation, which took days of research, they told me they are able to find the accounts in question and that there is not even any proof that I had accounts with them. So I can not understand how these credit bureaus can claim to verify information that the CEOs themselves can not validate. I have never received proof that these accounts are mine or being reported correctly. It is frustrating when these credit reporting agencies hold your financial life in their hands and they can not be trusted to do what they are there to do. The accounts in question are : XXXX XXXX XXXX- Account was opened XX/XX/XXXX and closed XX/XX/XXXX It had a credit limit of {$200.00} ( no account # listed on all 3 credit reports ) XXXX  XXXX XXXX- Account opened XX/XX/XXXX and closed XX/XX/XXXX. It had a credit limit of {$600.00}. No account # listed ( Transunion Only ) XXXX XXXX XXXX Account opened XX/XX/XXXX and no mention of when it was closed. Last activity was XX/XX/XXXX with a high limit of {$1000.00} and a balance of {$0.00}. No account # listed. ( XXXX  only ) XXXX- Account opened XX/XX/XXXX and closed in XX/XX/XXXX High balance of {$1500.00}, no account # listed ( Transunion and XXXX  ) - Sent to collections XXXX . I have disputed several times with no validation sent to prove this is my debt. ( All 3 bureaus ) XXXX- No account number listed. No mention of dates opened. No proof sent to me that this was my debt or why it is in collections. I have disputed several times. ( All 3 bureaus )

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 2018-04-20
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
i made a purchased of XXXX $ bitcoin from coinbase since XXXX of this month and after 6th days they canceled my order and they told me i will receive my money back within 3-4days but it's more than 8 days now i haven't receive the money back ... 



Coinbase Your purchase for {$900.00} USD of BTC has started We expect your purchase to be completed by XX/XX/2018. We will send you another confirmation when your purchase is completed. 

We're unable to cancel started orders. 
Read more about why here. 

Reference code XXXX Payment method XXXX XXXX XXXX - XXXX ... XXXX Start date XX/XX/2018 Estimated payout XX/XX/2018 Amount XXXX BTC Exchange rate @ {$6600.00} / BTC Subtotal {$890.00} Coinbase Fee {$8.00} Payment Method Fee {$0.00} Total {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I filed a dispute about an incorrect address to Equifax. It is an address from XXXX to a place that I have never even been to on the opposite side of the country. In fact I had never even visited this state until XXXX. Equifax agreed on XX/XX/XXXX, and said, " We have reviewed the former address. The results are : The disputed address has been deleted ''. Problem is we are now XX/XX/XXXX and the results have not been deleted from Equifax. 
I called In XXXX and they claimed it should be off by the next month because it can take 30 days. I have waited patiently for it to be removed. I checked today and it is still there. I called today and was told it can take 90 days. But I should probably start a new dispute even though I have a copy of a dispute saying is has been deleted! I asked to talk to a supervisor, but one was never available. After over 40 minutes on the phone I gave up.

Company response to consumer: Closed with explanation