BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted on XX/XX/21 about a debt to XXXX XXXX which was being handled in collections by CAPITAL ACCOUNTS LLC. They offered me a settlement amount of {$520.00}, which would be offered for TEN DAYS. I paid this settlement amount in full on XX/XX/21 and have receipt of payment for that amount. Documentation for settlement and for receipt are attached. 

The company continues to call me and has continued to list an additional balance on my credit report for this same debt, which is completely fraudulent since I paid my settlement amount in full and have documentation to prove it. 

Debt collector contact info below : Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX www.capitalbillpay.com

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 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Other problem getting your report or credit score

Complaint:
I tried to call Capitol One regarding a security codes sent to me. They would not put me through to anyone. They needed to know my age, which was unrelated to the issue and they would know it anyway. If I am over XXXX, I have to listen to advertising and be put on the spot for their services. If I refuse to answer, they will not allow me to correct fraudulent credit issues. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, My law each person is allowed an annual credit report from the 3 credit reporting agencies. Every year I get them by following the link at ftc.gov. Except from Experian. Every year Experian 's link is faulty. And when I try and call hold time is between 45 minutes to an hour. It happened 2 weeks ago and it has happened again to me today. The error message is below : We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX PT Sat - Sun : XXXX XXXX  to XXXX XXXX  PT The link NEVER WORKS. Most people give up and never get a free report from Experian.

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 2022-02-02
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX XXXX I sent for validation under the FDCPA i have the right to request and receive validation of the Dept. never recived any info and I demand its removal from all consumer files. it's XX/XX/XXXX and still has not recived anything it is harming me from getting credit. they are in violation of the consumer law 806 harassment and abuse 807 False or misleading representations 808 unfair practices 809 validation of debts

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 2020-11-12
Company: ONLINE Information Services, 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: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : Online In Sv / ONLINE INFORMATION SERVICES , INC . 
Original creditor name : XXXX XXXX  XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I got an e-mail from Coinbase stating my withdrawal limit for my XXXX account was denied. As I tried to log into my XXXX account it showed my account had been temporarily disabled and that I should contact Coinbase. I called Coinbase and told them my XXXX is temporarily disabled and I can not access the XXXX worth of cryptocurrency I own on that site. They gave me a reference number and told me it may take up to 4-5 business days to fix the problem. 

On XX/XX/XXXX, I logged onto my Coinbase account and was prompted by a page stating I owe XXXX USD in order to gain access to buy/sell/send my cryptocurrency I had on my Coinbase. I never purchased anything with a credit card on my account for that much to begin with. However, I paid the amount and called Coinbase to remove the hold from my account. They then said they would escalate my previous ticket and add I paid the amount owed. Then on XX/XX/XXXX I logged onto my Coinbase account and noticed XXXX Bitcoin ( valued XXXX USD ) was sent to Coinbase without my knowledge. I called Coinbase to discuss the transaction and they told me I owed an additional XXXX USD and they only take cryptocurrency as payments after the fact I already paid them XXXX dollars on XX/XX/XXXX. They told me they do not return cryptocurrency once its taken from the account. So Coinbase ended up taking a total of XXXX USD from me for no reason. I have only spent XXXX USD on Coinbase using my own bank account. There are no reversal charges made on my bank account. I currently can not access my XXXX worth of cryptocurrency on XXXX because of all these claims stating I owe Coinbase money which I never purchased on Coinbase. Everytime I call Coinbase they state they will grant me access back to my XXXX account and full access to my Coinbase account within 2 business days but nothing ever gets done and they keep charging more money than I have ever spent on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For my Ally Bank checking account, this XXXX, I called Ally Bank customer service to request cancelling a check in the amount of {$100.00} to the payee XXXX XXXX XXXX XXXX. Over the phone, Ally Bank representative informed me that the {$100.00} check has already been put stopped payment. I thought this check was successfully cancelled. 

However, today when I looked at my bank transaction history this year, I found that this {$100.00} was cashed out of my checking account, with {$100.00} deducted from my Ally checking. 

I was extremely surprised with Ally Banks mistake. They were supposed to cancel this check, but they didnt. 

I request Ally Bank to immediately correct their mistake and recover this {$100.00} back to my checking account immediately.

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 2018-12-22
Company: Armor Systems Corporation
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 have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX and XXXX and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you

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 2018-01-29
Company: Flagstar Bank, N.A.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i called about my mortgage settlement today and was told there was no settlement information available and to check on-line for news updates. After reviewing 22 pages of CFPB press releases/ reports, I found no information about the Flagstar settlement. 

I received a check in XX/XX/ 2017 as part of a settlement. I received a check previously as part of a settlement with Flagstar. I have received any further correspondence as a final or conclusion of the settlement. 

I have received about XXXX, so far. 

The phone number for the Payment Administrator is no longer in service. 

The assistant at CFPB was not helpful. 

Can I have an address, phone number or email address to get information of this matter?

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 2021-11-09
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I have closed out a mortgage loan with Loandepot. They are suppose to send me the escrow amount but have not done so. They told me that it would take anywhere from XXXX weeks to XXXX  month to send me the money. To this day, XX/XX/2021, I have not got my escrow money and every time I call they are telling me that they have just re-issue the check but I still don't have any money ( they are lying to their teeth ). 

Please do not do business with Loandepot since they will tell you lies after lies so as not to give you your money on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: UT
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 filed a Dispute against these collection agencys : XXXX XXXX XXXX in the amount of approximately {$5000.00} on XX/XX/2019, explaining that this is not my account. I also disputed an account with XXXX  in the amount of {$370.00} I requested that they send me any documents that I signed obligating me to any debts with this company. On XX/XX/2019 I received a reply from Experian that both of these debts were verified and will remain on my file. I did not ask them to verify this, there is nothing to verify, its not mine. 
The FCRA allows for an answer within 30 days. The law is clear. These companies did not supply me with any signed by me documents that obligated me to them. By law these should have been deleted. Further, I also disputed 3 other collection accounts that were not mine that Experian did delete, to their credit, however the prior month my credit score, that I paid for, was XXXX. Since deleting 3 collection accounts, my credit score is  now XXXX and lowered my debt by {$1600.00}. Since when does your credit improve and your score gets lower? Then they send new credit card offers for people with bad credit at exorbitant interest rates that they admittingly receive compensation for. I am suffering personal monetary losses due to Experians # 1. Not removing inaccurate information within the 30 days prescribed by law and # 2. Falsely lowering my credit scores for their unjust enrichment by offering bad credit credit cards that they get paid for ultimately by 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 explanation
Consumer complaint received 2020-05-01
Company: AmeriHome Mortgage Company, LLC
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:
Americhome mortgage was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed. 
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies XXXX, XXXX  AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone used my identity I have filed a police report. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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: Problem with personal statement of dispute

Complaint:
I submitted a complaint previously because Bank of America had told me that I would not have to make any payments for a credit card I am paying off due to financial hardship I was facing as a result of COVID 19. Not only was their official response more than 60 days late, but their official stance was that even though their customer service rep had failed to inform me verbally that I was still responsible for paying the minimum, they had written it to me in fine print on the back of a letter they had sent me. I still have not been able got verify this and they have not provided me with a copy of this alleged letter. When I pointed out that I could not have reasonably known I was still responsible for making minimum payments during this time without being verbally told so, and being made to believe something else entirely while speaking to one of their reps, they told me basically that this is just how it is. As a result, the credit score I have spent three years rebuilding fell 50 points, hurting my chances of doing things like financing a car and has caused greater personal financial injury. These practices are unjust.

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 2018-01-29
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I reached out to Ally for information on my payments because on my credit report its reporting as a charge off for early termination. I don't understand why i have been bill as all 39 payments were made in a total of {$21000.00}. Additionally when i spoke to the representative at ally she stated that the last payment made on the account was of {$27.00} on XX/XX/XXXX. Every time i speak to one of the collection agency that is taking care of the account which i believe have been two different companies they give me a different explanation to why I'm being charged. First is was for parking tickets under the title, second was early termination, Third late payment and now excessive miles and tear on the car. I believe that there payment statement is incorrect as its missing payments made to the account. Now every time I call Ally financial they forward me to the collection agency. It is very upsetting that I'm not able to speak to them in regards to the problem as i believe that the information that they are reporting its incorrect and its affecting my credit score.

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 2018-01-26
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated an ACH in the amount of {$900.00} to coinbase. Today coinbase withdrew {$3000.00} from my account and attempted 12 ACH request leading to nearly {$500.00} in fees besides the lost money. I contacted coinbase, they can give me no satisfactory answer, say they can not see the transaction on their side and don't know when they can get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I began an 8 month lease with an apartment complex in XXXX, CO called XXXX XXXX at XXXX in XX/XX/XXXX. It was set to expire in XX/XX/XXXX and I extended it on a short term basis twice into XX/XX/XXXX. I had numerous problems with the complex involving communication and incorrect information, but after moving out I saw that I had a final amount owed of XXXX. Despite feeling that this figure was inaccurate, I felt I needed to pay it due to the aggressive late fee structure of the complex. I did so on XX/XX/XXXX and followed up with the company. Upon doing so, I discovered I was charged for items that were false and incorrect. I was told I would be issued a check in the amount of {$160.00}, which has been withheld. Instead, the company created a collection on my credit in the amount of my final rent, which as I stated was paid on XX/XX/XXXX. My bank records will reflect that. The company does not issue receipts they indicate they will, does not return phone calls as promised, and has now falsely reported items on my credit. This is dishonest and abusive behavior and has taken months to monitor and is further from a solution than it began.

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 non-monetary relief
Consumer complaint received 2019-09-06
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: Their investigation did not fix an error on your report

Complaint:
CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.

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 2022-10-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested refund on XX/XX/25, and there is no update. I've tried calling and emailing numerous times, but I have not gotten updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I gave XXXX XXXX XXXX XXXX 2 third party checks. Amount XXXX Chase bank froze the bank account and is currently holding the funds. They said they will hold the fund indefinitely. The only way to get funds back is to have foremost insurance request for the fund to be returned to them I contacted the insurance adjuster and she cant get funds back because chase has cashed the checks per XXXX Chase will not return the checks or release the money. On XX/XX/XXXX I went into chase with owner and spoke with a banker. They explain that chase didnt have to release fund or return to foremost insurance. 
Please asked chase to return funds to foremost insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FDCPA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation