BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX my then wife and myself modified our mortgage under the HEMP plan. In XXXX my wife and I were divorced. In the divorce decree I recieved our house. My ex-wife also signed a notorized quit claim dead. In XX/XX/XXXX I modified my mortgage again under my name only. My mortgage provider at the time was the XXXX XXXX XXXX. I signed all agreements and provided a copy of my divorce decree and quit claim deed. My modification was approved in XXXX. I am now coming up on the end of my modification time line ( XXXX of XXXX ). In XX/XX/XXXX I am scheduled to have {$6000.00} dollars applied to my home loan for completng the Hemp program. My current mortgage provider now tells me I will not recieve the {$6000.00} dollars because the ( Dod Frank document ) is only signed by myself and does not include both my ex-wifes signature and mine. I have explained to my current mortgage company Select Portfolio Services that I did the current modification under my own name because I am divorced. The Select portfolio supervisor ( XXXX XXXX ) is telling me they will not pay the {$6000.00} dollars because I must have both signatures on the current Dod Frank form. I have explained to Select Portfolio Services over and over again that I am divorced, the house is mine and I did the modification under my own name. He is saying no matter what I must have both signatures on the current Dod Frank appication or they will not pay the {$6000.00} dollars. I feel this is incorrect and the supervisor XXXX XXXX is refusing to take care of the situation due to him being extremely stubborn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a purchase on my MasterCard debit card that I needed to dispute. I tried doing this through Citibanks XXXX app, but there was no option available to do so, despite online instructions indicating that there was. I then tried calling the customer service number and was asked to put in my card number. The IVR did not recognize my card number and would not connect me with a representative. I then tried the online chat support, and the representative kept referring me to the same instructions that I told him were not correct, and kept referring me back to the phone number that I told him wasnt working. He further refused to escalate the issue further and refused to file a dispute for 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 2017-09-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred ( Wire Transfer ) money from XXXX XXXX XXXX on XXXX/XXXX/XXXX to Coinbase, Inc amount of XXXX USD. The Money was transferred same day from my bank account. I have contacted the recipient through there web site asking about the status of the transfer. I have requested them 5 to 6 times in past 5 days. They responded for my 1st request asking the Federal Reference number for the transfer. I sent the required details, but till date no response from them. The CaseID with CoinBase Inc is XXXX. Attaching the Email exchange and Bank Statement ( To Confirm the money was transferred from my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The XXXX paid an auto claim payout to me thru XXXX in the amount of {$7600.00}. I was forced to open a venmo account to receive it. Venmo released {$4500.00} to me but then would release any more, and I needed {$5100.00} to pay for the vehicle replacement, which Id paid a {$600.00} deposit on. Over several days, phone calls, chats, and emails not once was I told to submit my ID or that my account was frozen for being in violation until yesterday. Upon receiving that I immediately submitted my ID. Today I received an email from XXXX thanking me for the ID but closing my account and keeping {$2900.00}. Im losing my car, half my insurance payout, {$60.00} @ deposit, and the final payout from my insurance company for failing to replace my vehicle within the 30 day timeline. Through no fault of my own. I have screenshots of everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called MDS on XX/XX/19 at XXXX. Representative told me they sent statement out but never received, asked for info so I could pay online once I verified who they were, refused to provided because they would have to rekey it on their side so it would just be easier to provide to her and claimed she didn't know what info the website asked for- is this not your same company? Asked if they could resend statement and said already sent once so no, just kept repeating the balance due. I advised I was unsure why a statement couldn't be sent out again and the representative got loud and said she had already told me 4 times that they sent it out once and that BY LAW they don't have to send me anything else because I had 30 days to dispute the debt, and I guess that time frame had passed. I clarified again what she said repeating " BY LAW? '' to her as the reason she couldn't provide me information and she said yes because this isn't customer service they are a collection agency. I verified who the original owner of the debt was and disconnected the call because she was continuing to be loud and rude when all I wanted was information on what this was since I wasn't aware.

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 2023-03-05
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal student loans were consolidated into a direct loan in XX/XX/XXXX. They were serviced by the now defunct acs. In XXXX they were then transferred to XXXX. XXXX seems to have lost any and all records of my payment history prior to them taking over servicing of the loan. These missing payments have caused me to lose out on a significant refund on my student loan payments as part of the tepslf program. I've tried numerous times to get this information and they tell me there is nothing more to do. I've reached out to XXXX, my congressman and other servicers and this problem still persists. I've been working on getting answers for nearly a year but no one can answer my question, where is the verification of my payments? Please help or direct me to someone who can! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a customer of Citibank with excellent credit for approximately XXXX yrs. and seldom had any issues using my 4 credit cards until this year. Starting around XXXX this year, XX/XX/XXXX  my Citibank credit card ending in XXXX was declined for my XXXX needs at the local XXXX XXXX XXXX. I tried 3 of my Citicards at 2 different registers all having XXXX  in available credit and all were denied. This was very embarrassing as this was a rural local store and almost everyone knew me heard all my cards continue to get declined. I called Citibank immediately and was first informed my cards info was incorrectly inputted, which was not the case as the sales agent had used the card reader at 2 different registers to insert my cards. Then I was transferred to the fraud department, who advised me there was a fraud issue with XXXX XXXX  and that they would remove the lock on my cards and promised me it wouldn't happen again. It has happened repeatedly every single time since then that I've tried do use my Citibank credit cards at my local XXXXXXXX XXXXXXXX. I always call them complaining and get the same response as above. They promise it won't happen again and it does over and over again. The last time I called them for my card being declined at XXXX XXXX, XXXX, XXXX, again was around XXXXXXXX XXXX XXXX. This time the agent informed me that the reason was that the XXXX XXXX  were refusing to allow the use of their credit cards at their stores. Is this legal for Citibank to issue cards not being accepted where it states they are accepted My? 
My credit card ending in XXXX, was declined again yesterday at the XXXX XXXX XXXX in XXXX, XXXX. In the amount of {$42.00}. 
This has been horribly inconvenient and embarrassing as these are the only stores for me to shop at in my local rural community. 
Is this legal for Citibank to continue to decline my credit cards when the cards are valid and should be accepted? 
Thank you for assistance!!

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 2017-09-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XXXX/XXXX/XXXX, I opted to enroll in the TrustedID Premier identity protection service offered by Equifax in response to the Equifax data breach announced in XXXX XXXX. As of today, XXXX/XXXX/XXXX, the service is not accessible, as the TrustedID Web site is not functional. That is, when I click on the link in the TrustedID Premier product activation email received from Equifax, it returns an error message stating the site can not be reached. The same thing happens when I try to access the TrustedID Web site directly via an Internet browser. ( This is not a browser problem, as the browser accesses any other Web site I attempt to access. ) Equifax has not addressed the complaints on this issue that Ive sent them directly by email. Further, there is no message or status update to consumers regarding the issue on the company Web site. To sum up, Equifax is failing to provide a service as advertised : A service essential to helping consumers protect themselves against the potential fallout of the companys failure to protect consumers sensitive personal information in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: NC
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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-06-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. { Also I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint 3 and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ( Barclays ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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 2018-09-04
Company: EQUIFAX, INC.
State: PA
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:
Credit file dispute with Equifax ( Confirmation # XXXX ) was submitted onXX/XX/2018 in regards to a wrong address listed on my report of XXXX XXXX XXXX XXXX, PA XXXX. Sent all requested information via XXXX on the date of the dispute as requested. I have never resided at this address at any time in my adult life. Received mailed notice that the address was deleted and the address is still showing on my credit file as of XX/XX/2018. Submitted second dispute today ( Confirmation # XXXX ) requesting that I send requested documentation a second time. Duplicitous request and first dispute was never updated as stated in received dispute results letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: FORD MOTOR CREDIT CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a end consumer credit car plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection information below appeared on my credit for equipment I already turned in to XXXX XXXX XXXX. I received one letter from a Collection company called XXXX XXXX XXXX   who apparently turned this false information over to another  place called Amsher Collections. I called XXXX three times now about this, once when I first received the letter and a second time to follow up when they gave me their word they word take care of it. If I owed anything it would show up since I still have service with them. The initial claim was for supposed equipment they said I still had ; I move from one apartment to another in the same complex back in XX/XX/2020. I would not have been able to get and continue service with them if I owed them anything. All along they show I owe nothing equipment or otherwise. This is now on my Credit as a hard, derogatory mark ... and of course no one is in a hurry to correct this mistake!! It is wrong this can continue against my clean record at all credit bureaus and I am suffering the consequences!!! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- COLLECTIONS {$160.00} Reported balance Check if you should dispute to remove incorrect information. 
AMSHERCOLLECTIONSERVICES {$160.00} Needs attention HIGH IMPACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Summit Financial Corp.
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 information incorrect

Complaint:
This company is still reporting inaccurate information to 2 of the 3 major credit bureau 's. XXXX has deleted them from my credit report after reviewing my complaint and dispute. I have sent in several requests to have this information verified bearing my signature, dates, and accuracy of the alleged amount. They have not supplied me a single copy or response to my request since XX/XX/2018, when the 1st request was made. I am now seeking legal action. I have sent my requests out via certified mail and have all of my documents ready to go for proof of service. 

Summit Financial Corp, is doing bad business. They are not updating accounts correctly and they are not reporting cars that have been resold for their profit. This company is charging on going interest monthly on accounts that have been closed out. They do not verify information that is being requested. 

Summit Financial Corp XXXX XXXX XXXX XXXX XXXX, FL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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:
I made previous complaints to Portfolio Recovery Associates , LLC to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX  consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my XXXX reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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