BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: Experian Information Solutions 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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is 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 2017-06-29
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is a followup to case XXXX which Sallie Mae responded to and you closed without input from me. Their response was misleading and downright false. I replied with this feedback, thinking it would reopen the case. I have now learned that I must submit a new complaint, which is somewhat confounding. I have consolidated my loan with another company since Sallie Mae engages in dishonest practices. Here is the content of my feedback to the initial complaint : " I have verified with XXXX XXXX from Sallie Mae 's legal department that NO FIXED RATE OPTION WAS GIVEN DURING MY APPLICATION PROCESS. XXXX XXXX claims that my school ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) was the reason that I did n't have the option, that the school only allows them to offer Variable Rate Loans. According to XXXX XXXX at XXXX, this is false. Logic also dictates that this is completely false. The school has no control over my private loan. I have no idea why XXXX XXXX would tell me such a fabrication but I 've contacted my state rep and Senators and plan to introduce legislation to outlaw this type of corruption and banks taking advantage of students. To repeat : XXXX XXXX from Sallie Mae 's legal department confirmed to me in a telephone conversation on XXXX XXXX, 2017 that I was never offered a fixed rate and said the reason was because my school ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not allow Sallie Mae to give students fixed rate loans. XXXX XXXX with the Financial Aid dept at XXXX disputed this in a phone call on the same date. " We have no control over it. It 's a private loan. That does not make any sense '' was her exact quote. I have attached screen caps from a new loan application for XXXX to show that the type of loan ( fixed rate or variable rate ) is never offered. Thank you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One credit card balance resolved via litigation settlement. Final payment of settlement paid XX/XX/21. Multiple disputes submitted to no avail. Current payment status still shows as in collections instead of paid/settled, current account status still shows " derogatory '' instead of resolved/settled, amount past due still shows " {$1000.00} '' instead of XXXX and no payments credited for months XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is in reference to the way SunTrust Mortgage ( now Truist ) has handled my last three Escrow Analysis with no clarification on how they calculated them. The Escrow Analysis was not accurate and there is missing information of payments from my homeowners tax credit they received during the last two Levy years of XXXX and XXXX. Also, they do not give me access to my account on their website ; they locked my account. They have increased my monthly mortgage payment with a new Escrow Analysis that I have not accessed to and they still have not clarified the questions I made to them in my letter dated XX/XX/2021, about the previous escrow analysis of the levy year XXXX. I believe they have calculated a new payment in less than 10 days, and they are not clarifying the questions I made for the Escrow Analysis they made on XX/XX/2021. 
I called several times and talked to different agents and supervisors, but they did not give me any response, nor did they answer my questions about why they increased my monthly mortgage payment with no clarification of the previous Escrow Analysis of Levy year XXXX. They called me on XXXX about the letter I sent to them on XX/XX/XXXX, but I was very busy because of the XXXX holidays, and I requested them to call me on Monday, XX/XX/XXXX but they never called me. When I called them on XX/XX/XXXX, they said they do not need to talk to me and I had to wait 30 business days more after XX/XX/XXXX, the day they open the case. I called again to ask why they raised my monthly mortgage payment if they have not answered my letter of the error on the last Escrow Analysis of XXXX but they did not want to talk about it. 
For the Escrow Analysis of XXXX, I have not requested clarification yet because I just realized they did the same of what they are doing now with the Escrow Analysis of XXXX. I am taking this opportunity of my complaint to request clarification of the Escrow Analysis of XXXX. 
For the Levy Year of XXXX, they have received my Homeowners Tax Credit from XXXX XXXX a check in the amount of around {$3200.00}. For the Levy Year of XXXX, they have received almost the same Homeowner Tax Credit from XXXX XXXX another check in the amount of {$3200.00}. 
I am attaching a copy of my letter sent on XX/XX/2021. Also, problems were encountered on their website when I was trying to log in to the SunTrust website and how they locked my mortgage account for me to get the information I need to make this complaint. They knew I was placing a complaint because I told them I will do it.

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 2018-01-17
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a mobile home in XXXX for {$40000.00}. I put down {$10000.00} and financing {$30000.00}. This was financed with Green Tree and they have since changed their name to Ditech Financial but it is the same company. 
On XXXX XXXX, XXXX, I will have been paying this mortgage for 20 years. The company now says I still have a balance of over {$16000.00}. 
I requested an amortization and according to this document, most of my payments have gone to interest with zero going toward the principal. When I questioned Ditech, I was told it was because of simple interest which is crazy because I should still have principal payments and not zero. 
According to my calculations, I have paid over {$80000.00} on a {$30000.00} loan. Ditech has sent me a letter stating that I owe over {$22000.00} on this {$30000.00} loan that I have paid on for 20 years. 
So for the past 20 years, this company has only applied {$8000.00} to the principal which is just crazy. 
I need help. I have contacted them and offered a settlement offer of {$3000.00} along with a hardship letter as I am now living on a limited income of {$850.00} per month. They have turned down my offer and asked for {$7000.00} and I have counter offered {$5000.00} but I feel that I have paid them enough. 
They have called me asking when I am going to vacate my home and I told them I wo n't leave. 
Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I contacted the CAPITAL ONE its has been more than 31 days and they have no proof I initiated such inquires not written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these inaccuracies. According to section 604 of the Fair Credit Reporting Act permissible purpose of consumer reports 15 u.s code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. ( f ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMER. Under 15 usc 1681i, paragraph ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general. If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE. The following inquires are unauthorized : CAPITAL ONE XX/XX/XXXX CAPITAL ONE BANK XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: TX
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:
Since XX/XX/XXXX I have been attempting to clear up the effects of identity theft. There have been many names, social security numbers, addresses, phone numbers and accounts on my credit reports that are as a result of this identity theft. I also have been made aware that I have a split file that Equifax claims to be unable to fix.

Issue 1 - In XX/XX/XXXX I had a disputed tradeline ( XXXX  ) deleted due to inaccurate reporting. The creditor attempted to delete the tradeline several times, but Equifax did not process the deletions due to the split file problem. This tradeline is now on my 2nd split file only. Resolution requested - It should be completely deleted.

Issue 2 - At the beginning ofXX/XX/XXXXI received a notice from XXXX that my credit score had dropped 200 points. I pulled my credit report through Equifax directly and saw that all of my tradelines were gone, and only 3 new collection tradelines were listed. When I called to find out what had happened I was advised that I had a split file. I have submitted my ID and Social, as well as address information, etc. and Equifax keeps sending me letters saying they are unable to fix my split file. Resolution requested - Immediately fix my split file.

Issue 3 - On XX/XX/XXXX I faxed another fraud block request for these new accounts. Included were my police reports, FTC Affidavit, proofs of address over the last 8 years, driver license, social security cards and a cover letter. I have been advised that this process will take 30 days. I have advised Equifax, in the request and over the phone, that this is a 605B request and that they have 5 business days by law. Resolution requested - Immediately process my 605B fraud block request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my Experian report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them

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 2018-01-11
Company: Apelles, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collector keeps calling requesting action to mail document to my home I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My Coinbase account requires 2 step verification to deposit and withdraw money which I no longer have access to. Coinbase had me go thru account recovery process, by re-uploading my driver 's license and taking a selfie on XX/XX/XXXX. The company also told me it would take 48 to 72 hours to disable my authenticator configuration. Now it's been almost a week and I still have no access to my funds. I opened multiple tickets and Coinbase keeps sending me automatic emails stating it will take 48 hours. There's no emails or communication whatsoever sent from a human being regarding this issue. I have {$33000.00} in my Coinbase account in limbo. Coinbase is simply holding my money for their own benefit with no legitimate reason. This shouldn't happen and it's a shame this horrible company is going XXXX. Coinbase has absolutely NO right to freeze my funds. I need access to my money asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$0.00} XXXX XXXX XXXX-Balance {$400.00} XXXX  XXXX-Balance {$1000.00} XXXX XXXXXXXX-Balance {$590.00} XXXXBalance {$1900.00} XXXX  XXXXBalance {$20000.00} XXXX  XXXXBalance {$1100.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX XXXXXXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2018-03-21
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection company attempting to collect a debt from me that was the result of identity theft. I never had XXXX as a phone company and yet this company has been relentless in trying to collect a debt thats not mine. Somebody falsified my information and the original company sold the debt to a collection company instead of removing it since it was the result of fraud.

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 2019-11-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX of 2019, i made contact with XXXX XXXX XXXX XXXX Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 XXXX  sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, XXXX reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. XXXX continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; XXXX   agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want XXXX to stop sharing my private data and information, without my written or express authorization.

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 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX XXXX XXXX XXXX purchased my private information from Capital One Bank XXXX XXXX XXXX is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both XXXX XXXX and Capital One Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, on XX/XX/XXXX I opened a CFPB complaint ( XXXX ) against Chase mortgage regarding the closing fiasco we had and the promise to reimbursement moving expenses. In their response to you and I as seen in the attached letter the {$1000.00} reimbursement was to be made within 7 days. The letter was written on XX/XX/XXXX and with the Veteran 's day holiday that would put today at day 9 and still no funds have been deposited. 

Upon my call with the Chase executive team today they stated that the money would not be deposited but mailed in a check. Delivery would be 7-10 days. What I did not get was what day the check was issued nor what day I should expect it. The attached letter and response to you and I did not mention mailing the reimbursement check for {$1000.00}. 

Why does Chase get to change the rules? 

I continually get the run around and a new excuse as to why I still have not received my reimbursement. FYI the closing is complete and this complaint is in regards to them not following the terms they outlined in the complaint resolution. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: PCR Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was threatened by XXXX XXXX and Account Adjustment BUR that I would be thrown in jail for not paying this debt that does not belong to me it is owed by XXXX XXXX who used my personal information fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: FL
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:
The big 3 ( XXXX experian, and XXXX ) has not performed independent investigations. I sent letters and notified ( XXXX, Experian, and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete

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 2021-04-14
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation