BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: MIB Group, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Response to cfpb XXXX. I'm not sure if you understand. My husband was unable to understand what he was signing. He has bad XXXX  and can't be held legally responsible for that XXXX   form. I have proof he is not culpable in understanding at times that is why he is not allowed to sign anything without me and I wasn't there the day that XXXX form was signed making it null and void. Please remove file your taking advantage of a disabled person. I'm a legal representative of a permanent XXXX disabled person. You have to remove the file. Check the camera I was not present.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Verified that the collector that is reporting on my credit is not licensed in my state of Florida. I did call and speak with the representative to verify my debt and that if they are licensed they informed me that they were and still attempted to collect.

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 2019-11-04
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a chase freedom visa card which I paid off on XX/XX/2019 This was 2 days too late for them so I was charged a late fee. Since I paid off the entire balance and made no more charges I did not access my statement. Since I did not access my statement I was charged another late fee on top of the late fee. They took off the first late fee but not the second so I owe {$27.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The following transactions occurred : XXXX/XXXX/XXXX - {$290.00} XXXX/XXXX/XXXX - {$300.00} XXXX/XXXX/XXXX - {$300.00} These transactions were authorized to XXXX XXXX XXXX XXXX XXXX ), also dba XXXX XXXX XXXX XXXX to assist in reducing my Student Loans. I had been communicating with them on a regular basis until XXXX, XXXX. 
In XXXX XXXX, I stopped receiving communication from the merchant, but continued to try and reach them. As of this time they had not provided any of the services they had promised. I continued trying to reach them on a weekly basis with no success. 
On XXXX XXXX, XXXX, when I called the XXXX XXXX phone number, I received a phone recording stating that the XXXX XXXX had shut down the business due to fraudulent transactions and gave me a website to refer to. 

At that time I went in to my banking institution ; Wells Fargo Bank, and told them of the situation. The personal banker said that I would be able to receive that money back if I filed a dispute. He then dialed the number for me to do so. I spoke with a Representative from the XXXX XXXX XXXX XXXX, and she also told me that I would definitely be able to have that money reversed. However, it would take about 10 days. I filed the dispute and was expecting a full reversal of the charges based on what the personal banker AND the representative from the XXXX XXXX XXXX XXXX. told me. 
I heard nothing from Wells Fargo until receiving a letter from the Claims Assistance Center on XXXX/XXXX/XXXX stating that my claim had been denied and closed because the timeframe for requesting a refund with the merchant had expired. No one had ever told me of an expiration time. Both the personal banker and the representative from the XXXX XXXX XXXX XXXX. had told me I would not have a problem having that money put back into my account, and never once said anything about an expiration timeline. 

I have since called the Claims Assistance Center and talked to numerous people, ( who have all been extremely rude and very short with me ) about this and have been told there is no appeal process and they would not allow me to talk to anyone else regarding the matter. I was told by one representative that the claim was never even investigated because the time had expired to even file a claim. 
I feel that the time being expired is misrepresentation and deception on the part of Wells Fargo, and, if that is indeed their practice, why did the Personal Banker and the Representative from the Debit Card Claims Dept. who both knew the circumstances of the claim, not know that and tell me.

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 2019-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent notice to validate debt to portfolio recovery on XX/XX/2019. Portfolio received notice on XX/XX/2019. In return Portfolio sent bills and statements. They did not send documentation verifying the debt. They did not send contract containing my signature or that I was the individual who indeed opened account or owed said debt. I sent a follow-up letter on XX/XX/2019. Portfolio has yet to respond to my request. It is now XX/XX/2019. Well past the deadline of response. 

Portfolio has violated my rights under FCRA by not responding to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried multiple times to lower my monthly loan payments with Navient. At first their system was n't even correctly setting up my autopay even though I set it up correctly multiple time online and emailed them regarding the issue- it still did n't get setup correctly for months. 

My main issue though is that my husband and I both have student loans with high balances. I asked to be placed on an income repayment plan and went through the application process. We have XXXX children and my husband works full time and I work full time. Without a repayment plan, our monthly dues would be close to {$800.00} a month, 25 % of what we bring in a month. We have a house payment that is {$2000.00} a month. At first, the declined our income-based repayment and I had to speak with them multiple times about the issue. Finally, they set us up on a repayment plan that is {$500.00} a month- but this amount does n't even cover the interest and so for 10 years now- none of the student loans has actually been paid- They are actually accruing interest -- even with our monthly on-time payments. 

It so disheartening and unfair for a family who works this hard with XXXX small children. It should n't be legal. It is the biggest scam of our era. I am writing in hopes that someone will be able to assist with solving this huge problem, not only for my family but for the incredible amount of families who are experiencing the same problem. Please take notice and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
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: Public record information inaccurate

Complaint:
My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.

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 2021-03-10
Company: Coinbase, Inc.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account with Coinbase back in XX/XX/XXXX and purchased a Bitcoin and then I had my email that I was using at the time shutdown due to not having service with them anymore. After lots of years trying to reopen my email account I was finally able to gain access to it. I was able to reset my Coinbase password and gain access to my account and my Bitcoin was in my account. I tried to sell my coin and the site said that my account was restricted to buy and sell. I uploaded all the required varication on XX/XX/XXXX. I received email XX/XX/XXXX stating that my ID uploads were summited successfully and it would take 48-72 hours but sometime longer. Tomorrow it will be one month this is under review. I have done nothing wrong or suspicious. I have lived at the same address since I have bought the coin I have the same phone number same email and the same bank account that I purchased it with back in XXXX. Verifying my information should be quick and easy. I know that Crypto Currency is not main stream but we are not dealing with a small amount of money. I have as of today over {$57000.00} locked out that I can not sell or manage. If XXXX XXXX or XXXX XXXX did this same thing it would not be accepted. I do not know much about Coinbase as a company but I do know that they are about to have an IPO for {$100.00} XXXX evaluation soon. The company does not have any phone tech support that is hard to believe the email tech support would not be able to unlock an account for a month. I have researched lots online and the XXXX and XXXX groups are flooded with similar experiences. I am sure some of them are individuals that are trying the fraud Coinbase or launder money or something but this is not my case. Maybe they are just trying to protect my money which I appreciate but a month is a long time to verify something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: PA
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 recently submitted a dispute to experian in regards to 2 accounts on my credit file. 
the 1st account is XXXX XXXX - this company is reporting incorrect information on my credit file. I disputed it with all credit agencies it was being reported to as well as the company. It has already been removed from the other credit reporting agency but i feel Experian did not give me a fair investigation or right to dispute. This account should be deleted from my credit file The 2nd was against XXXX XXXX - this is a collection that does not belong to me. I have filed a FTC complaint and i have submitted it to the credit reporting agency and the company. The company sent me receipts from purchases but did not show anything that has my signature, id, or anything else that said i opened this account. I too disputed this with Experian and i feel that i was not given a fair investigation, especially since i feel this was a identity theft. This account was also reported in 2014 i disputed it then with the CFPB and it was removed now its being re-reported as well

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 2017-11-14
Company: Comerica
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I placed a claim for fraudulent charges on my debt card for {$600.00} on XXXX/XXXX/XXXX I received a letter from my card service/bank stating that based upon our review of the information you provided as well as our internal records and your card history, we can not confirm that fraud occurred. Our investigation indicates that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. The problem I have with this is there 's over a half a dozen merchants and services that are the problem. Obviously they have done nothing to clear this up or do they intend to. They never put my provisional credit on my account either so they do n't have much insensitive I guess I did n't enter into these agreements and if they followed the money I think that is clear. I paid someone 's gas bill in XXXX and someone else 's phone bill. The charges from XXXX for what I do n't know but I assure you they did n't ship anything to me. Direct Express is totally worthless and as I 've discovered that opinion is shared by literally hundreds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2019-04-02
Company: ID Analytics, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NJ
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:
THIS COLLECTION AGENCY ISNT REGISTERED IN THE STATE OF NEW JERSEY, THEY HAVE ILLEGALLY OBTAINED MY INFORMATION AND CAUSE SERVE HARDSHIP, I WOULD LIKE THIS REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, 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:
I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: NATIONS DIRECT MORTGAGE, LLC
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 have been disputing the lates on my mortgage account with Nations Direct since XX/XX/XXXX which was when I noticed the negative credit reporting. 

I was marked 30 days late on XXXX, XXXX and XX/XX/XXXX when I was in an active, approved Forbearance plan which they have clear records of. I have notified them of this and they stated XX/XX/XXXX that they would be requesting the removal of these lates and nothing has been done. 

On XXXX and XX/XX/XXXX I was also marked 30 days late for both months and both payments were NOT 30 days. 
XXXX was received on XX/XX/XXXX and XXXX was received XX/XX/XXXX. My due date is the XXXX of the month and I have up to the XXXX of the month to make the payment without negative credit reporting. 

Because of the numerous FCRA and FDCPA violations I would like this account completely removed from my credit or for these lates to be removed before I pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, my name is XXXX XXXX was stop payments due to cronavirus under forberance plan.today i try to refinance my other loan then thay told me XXXX morgage put those payments on my credit.Please help me. 
Loan 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 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
I was scammed into buying gift cards totaling {$12000.00}. But the credit card company says it is {$17000.00}. I have tried to get the conversations with the scammer but have had no luck in getting this information. If I had this information I would be able to prove I had only purchased 24 gift cards at {$500.00} which is {$12000.00}. Because those conversations have the gift card # 's on those conversations on them. If there have been more gift cards purchased the scammer used my card to purchase the additional {$5000.00} using my card numbers. These transactions occurred onXX/XX/XXXX& XX/XX/2019.This happened on my computer, I was informed by Microsoft that I had suspicious activity on my card and to call them. They said they would connect me to a direct line to my credit company, which was Capital One. When I was connected I looked on my phone and it was the number to Capital One customer service which is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've notified the company numerous times, that I did n't owe this bill. I complained to the bbb and diversified consultants, stated they would remove it from my credit files, but as of today it 's still showing on my report. This was a result of Fraud, I live in Georgia. This bill happened in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: SYNCHRONY FINANCIAL
State: NY
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:
This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give syncb/gap written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : SYNCB/GAP DATE OF INQUIRY : XX/XX/ 2021 2021

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