BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Company erroneously closed my online account without cause or explanation. Company refuses to allow communication with the department which made the decision. During a phone conversation with a XXXX customer service agent on XX/XX/2018 only confirmed that XXXX will never allow me to use the online feature of their money transfer service. Agent told me : " Sir, all I can tell you is that you are never going to be allowed to use XXXX online and there is nothing you can do about it. '' It was at this moment that I asked to be transferred to the " security department '' that apparently made the decision to close my account. Agent told me : " No, and I'm telling you that no matter who you talk to, no one is going to listen to you beg about getting your account back. You are welcome to go in person to a XXXX. '' I asked : " Can I speak to your supervisor please? '' Agent responded : " He or she is just gon na tell you the same thing I just told you. You are NEVER getting your online account back and there is NOTHING you or anyone can do. '' The agent immediately hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls, 3 in a row this morning at XXXX. They leave no voicemail. Called back to find company name is diversified inc. We have received 0 mail from them and the calls have gotten to be daily on my cell phone and my parents house line. 
XXXX XXXX XXXX This has been going on for about a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: TX
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:
There has been correspondence sent regarding incorrect information being reported on my credit report. It appears as XXXX XXXX XXXX XXXX. 
I received a general response they always tend to send regarding a dispute stating it was verified as valid although the errors are still reflecting the account. I requested a method of verification twice and I did not receive it. The errors that continue to appear clearly indicates that an investigation and/or research was not accurately processed or these errors wouldve been identified.

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 2019-06-14
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: Old information reappears or never goes away

Complaint:
In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.

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 2019-05-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX  XXXX, XXXX XXXX, XXXX SMALL BUSINESS? I AM NOT SURE IF IT WAS ANOTHER XXXX   XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.

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 2019-06-14
Company: ZARVAD III S.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for this payday loan on or around XX/XX/2019 for the amount of {$800.00}. This amount was deposited on that date. The loan does have a two week term in which is to be paid in full within that time. I was not able to do that so renewal fees were assessed. I do not recall the rate of which these fees were calculated and am locked out of the account at this time so I am unable to see them or get other information. The following payments have been taken out of the XXXX checking account I had at the time. {$240.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1200.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX  spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX  problem and am in XXXX   and XXXX XXXX. I am getting help for this problem. 
I have contacted my loan manager, XXXX, several times as this is now in default. I have asked for a settlement of which he will not accept less than {$1000.00}!! Making me pay a total of {$2200.00} for a {$800.00} loan! 
I am asking that this debt be considered paid in full or a more reasonable settlement. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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:
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX, I received a call from Coinbase. Coinbase doesn't call customers. On the same day my email was hacked XXXX. On same day, I submitted requested for Coinbase to disable account due to suspicious activity. I have not been able to access my account since. I have followed their procedures for account recovery Case # XXXX. This is last message received on XXXX : " We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). '' It has been 8 days ( 5 business days ) and not response. Please, I need your help in freeing up my funds XXXX on Coinbase. They have the worst customer service in virtual currency. I will be moving all funds off platform to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the government shutdown I spoke with Carrington about my inability to pay my mortgage ... they said I would be helped but they sent someone to my home to take pictures and continued to send me foreclosure notices in the mail ... the day the government shutdown ended they refused to take my payment without a {$20.00} up charge and they tacked on late fees and they didnt offer me any help ... I also tried to get a home line credit loan of which they gave me the run around and never gave me an answer ... Im still trying to catch up with my bills and I filled out a promise to pay request where they are refusing to accept that because now they claim I broke a promise which is not true .... I have tried to speak with them several times and they only give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Green Trust Cash, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$700.00} on XX/XX/XXXX I have made 2 XXXX Payments on XX/XX/XXXXand XX/XX/XXXX. I called to pay off the loan on XX/XX/XXXX. They said the pay off is {$880.00}. I asked how it could be that much if Ive almost paid {$400.00}? They said every day collects interest and I wont start paying for the loan until XX/XX/XXXX. This is crazy. I am willing to pay back. The loan but not that much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company keeps sending me Emails saying that my grandmothers XXXX account that Im the holder of has a balance of XXXX dollars unpaid. XXXX has been contacted they do not have anything sent to collections. I tried to call the company but you cant talk to anyone without giving the last four of your social which of course I do not feel comfortable with because I know nothing about this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BARCLAYS BANK DELAWARE
State: NY
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 recently a victim of credit card fraud in the amount of {$180000.00}. Of this total, {$42000.00} was not refunded to me. Unauthorized withdrawals were going from my bank account at XXXX XXXX XXXX XXXX, to my credit card company XXXX Barclays XXXX XXXX. When i realized the automatic withdrawals being taken out of my bank account were in excess of my credit card bills, and more frequently than my normal payment schedule, i spoke to my bank. They were able to research and figure out where the money was going to and why. However they only reversed a portion of the unauthorized transactions. They then told me to take the rest up with my credit card company. When i contacted my credit card company they told me they can not help me and i would have to take it up with my bank. So no one wants to help remedy this and I am at a lost of a significant amount of money, {$42000.00} Dates and amounts of transactions that were taken from my bank account without my authorization : XXXX {$13000.00} 2. XX/XX/XXXX {$9000.00} 3. XX/XX/XXXX {$4100.00} 4. XX/XX/XXXX {$11000.00} 5. XX/XX/XXXX {$12000.00} 6. XX/XX/XXXX {$6400.00} 7. XX/XX/XXXX {$5000.00} 8. XX/XX/XXXX {$8300.00} 9. XX/XX/XXXX {$9700.00} 10. XX/XX/XXXX {$12000.00} 11. XX/XX/XXXX {$7100.00} 12. XX/XX/XXXX {$2000.00} 13. XX/XX/XXXX {$4000.00} 14. XX/XX/XXXX {$6000.00} 15. XX/XX/XXXX {$7100.00} 16. XX/XX/XXXX {$7500.00} 17. XX/XX/XXXX {$6000.00} 18. XX/XX/XXXX {$11000.00} 19. XX/XX/XXXX {$7800.00} 20. XX/XX/XXXX {$5000.00} 21. XX/XX/XXXX {$8300.00} 22. XX/XX/XXXX {$9700.00} My bank reversed only some of the transactions listed above, however the following transactions were not reversed : 1. XX/XX/XXXX {$11000.00} 2. XX/XX/XXXX {$7800.00} 3. XX/XX/XXXX {$5000.00} 4. XX/XX/XXXX {$8300.00} 5. XX/XX/XXXX {$9700.00} I am reaching out to you because neither my bank, nor my credit card company will reverse these unauthorized transactions, resulting in a total of {$42000.00} stolen from my account. The bank and my credit card company have left me with no one to turn to, please help me get my money back.

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 2017-11-28
Company: Atlanticus Services 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: Account status incorrect

Complaint:
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Information belongs to someone else

Complaint:
I RECENLTY PULLED MY CREDIT REPORT. I HAVE A LOT OF FRAUDENT INFO ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS ARE CAUSING HARDSHIPS AND MENTAL DISTRSS FOR ME AND MY FAMILY.

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 2019-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, LLC ; here is the list of their unlawful collection practices. 

1. They claim ownership of debts that other collection agencies also claimed to own. 
2. When asked to verify ownership of said debt, they provided to me fake/false documents to establish ownership of said debts. 
3. They have called me repeatedly after I have sent them certified mail requesting all communication be through mail only. 
4. They " re-age '' claimed debts on my credit report. 

Dates of activities : XX/XX/2015 - current day. 

Actions by Portfolio Recovery Associates - hundreds of phone calls from XXXX to present day, falsified records, dates, and reporting on credit report. 

Actions by myself - variety of certified letter mailings to Portfolio Recovery Associates requesting VALID PROOF OF OWNERSHIP AND TITLE OF DEBT, disputes to credit reporting agencies, and many hours of research. 

Summary : junk debt buyers can not simply claim to own a debt without proper LEGAL proof. They also can not " investigate themselves '' when a question of validity comes in to play. This company has violated the FDCPA in multiple ways. 

*** Proof is not a letter the junk debt buyer creates themselves**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: Chime Financial Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chime locked my account on XXXX XXXX, I have at least XXXX in the account, I have provided every document they need I have claimed it on my income tax been penalized for the money when I wasnt able to access it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$250.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 student loan is not transferred, it is in forbearance. Since credit bureaus couldn't help me, CFPB please update this information and fix my credit report .. 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 2018-03-14
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXAmsher Collections Services Inc. 

This is the second time you have violated the law and myself. YOU DID THE SAME EXACT THING IN XXXX. IS THIS HOW YOU ATTEMPT TO COLLECT ANY DEBT? BY NOT VERIFYING THE DEBT STATUS, AND NOT CONTACT THE DEBTOR TO MAKE ANY ARRANGEMENTS TO PAY. Not once did you try to reach out to me to attempt to collect any debt or advise an collection status. I do understand your FOR PROFIT Debt Buyer Company buys unknown unverified debt in turn to make a profit. This must stop. I need notification today this fraudulent COLLECTIONS STATUS is removed. 

Why does AMSHER waits to I pay the medical Bill in full only to place the current account in collections????? PLEASE ANSWER I am in receipt of the collections practices and correspondence made by Amsher Collections Services Inc. This Account has been paid in full since XX/XX/XXXX, and you have still ignored my payment. As of XX/XX/XXXX I have received several credit bureau alerts IAO {$110.00}. Regarding allege records of nonpayment to XXXX XXXX XXXX by myself. 
In conclusion it is my position to dispute Amsher Collections Services claims are entirely without merit. Amsher Collections Services Inc. must correct their records, and remove from the collections process FROM ALL THREE CREDIT REPORT AGENCIES. 

FYI, Amsher Collections is only known as a Debt Buyer with no actual proof, debt validation, or payment history really exists as the CFPB does not accept these kinds of violations. You have until Today to remove the collections from all Bureaus you are reporting inaccuracies. We are will filing suit against your For Profit Company AKA as a Debt Buyer Company, and involve several third parties to insure you comply, and recover any financial compensation by law. I request you send me confirmation you have complied with my request. 

Please see attached supporting docs and dispute letters are in transit to multiple agencies to insure you comply with the law. DOCKET IS FILE! 

FYI, Please respond to all to insure your complying with my request TODAY. Copied is my Attorney, CFPB, AL State Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: MD
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:
I have contacted equifax on multiple occasions about fraudulent inquiries on my report and I get no where I dont even see the things on my report that I did apply for they are very rude and unprofessional and will not help you to prevent or fight fraud

Company response to consumer: Closed with explanation