BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2019-09-11
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today XX/XX/XXXX I spoke to 3 different customer resolution reps and I customer service representative from Specialized Loan Servicing. I have tried several times to access my account online and even make payments of {$1000.00} which was my mortgage amount and listed on my statement and 4506T form and I've been blocked out of my account. Previously they said it was because I was behind in payments.Now they are saying its because I'm in bankruptcy. I asked them where was the paperwork from XXXX XXXX XXXX showing the details and terms of the transfer to SLS. No one was able to provide this information as I requested. I also requested the status of my modification request which they also denied sending me. SLS has continued to charge an astronomical escrow and tax amount to my account now totaling XXXX. I have to ask if they are in violation of Section 6 and10 of RESPA. When I was approved for a modification in XX/XX/2017 I was notified at the end of XXXX. I requested a forebearance until XX/XX/2017 because that's when I would begin receiving my retirement income. They insisted on continuing a late notice modification denying payments from there on out. I have appealed denial decisions and SLS still refused to allow me to bring my account current and my monthly income has been sufficient. They in turn increased my payment to {$1000.00}. I was also told previously that my payment was over {$1100.00} or so when upon the transfer from BOA.That is not true it was for {$1000.00}. I was also told by XXXX  XXXX XXXX that SLS brought the loan for {$160000.00}. Any terms they are collecting for I question because SLS knew I was in an underwater loan and continued to allowed me to fall behind in payments. The most recent time I called SLS today they took my number out of their system prompting me to reenter it. I have also asked them to supply me with the loan terms that are under XXXX XXXX and XXXX XXXX and all the representatives did was transfer me back and forth between departments barely answering my questions to provide prof they can legally collect money for a loan.

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 2018-02-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened an account with Coinbase on XX/XX/XXXX. After going through the verification process and getting everything set up. I decided to use the Wire Transfer method to put money into my account. I sent over {$20000.00} dollars from my XXXX XXXX Account. The wire was executed on XX/XX/XXXX. The website had said at the time that it would take 3-5 business days. After about 2 weeks we tried contacting Coinbase support via email support request. We did not get a response until a week after that. Coinbase was little to no help. Every support request we sent was responded to by an automated message stating the same things that were already sent. Since we could not get an answer via email I tried calling in. They were also no help. All they could do for me was check on the support request status and let me know that it was upgrade to the " highest priority ''. Every time I called in they would change the amount of days that it takes them to reply to support request. They told me that I should not reply to their support emails or send new ones in because it would put me to the back of the line for the " specialist '' to get back to me. They told me this for a month and half only to call again on XX/XX/XXXX for them to tell me that their employees were misinformed and that replying to the emails will actually put a note to the top of my request for the specialist to see. No one seems to know whats going on there and I cant get an answer as to where my {$20000.00} is. They cant even tell me if its being sent back to my account due to wire issues. I just want an answer. We have sent multiple support request and have called over a dozen times. The wire was executed on XX/XX/XXXX and it is now XX/XX/XXXX and I have literally gotten no information as to where my money is. That is over 45 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following inquires on my report are not mine, they are from fraudulent applications, and they need to be removed under the FCRA, inaccurate information needs to be removed from a consumers credit file. An inquiry that is fraudulent is not a " factual record '' of file access like your canned letter states. Failure to remove will result in litigation, do you want to be like XXXX? XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX . Resubmitted complaint and will keep them being resubmitted until trans union responds with the actual outcome not a canned response

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 2018-06-13
Company: Southwest Recovery Services, Inc.
State: NM
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 looked at my credit report a few months ago and found that there was a debt collection agency on there. I do not carry bad debts, EVER. I immediately called the company to see why there was a delinquency being reported. 

Back in XX/XX/2013 I helped my daughter get into an apartment because she had no credit. I was basically a co-signer. 

The company told me that there was a small balance due to the apartment complex and that was what they were collecting on. The total was {$200.00} They looked into the case because we have not received any type of statement or correspondence telling us there was a balance due. They found that the apartment complex was sending the statements to the same apartment that my daughter moved out of! After further review they said that they will be removing the information that was reported to the credit bureau. The information was deleted off of my daughters credit report but it is still showing as an open account on my credit report. I did call again after 2 months of the balance being paid off and they again informed me by the beginning of XXXX it should be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an American Express Delta Rewards Credit Card XX/XX/XXXX. 
At some point in XX/XX/XXXX I was awarded bonus miles. 
I accrued nearly XXXX miles via this credit card during this time. 
In XX/XX/XXXX I attempted to access my Sky Miles Account via Delta. 
Delta notified me the account that was linked to MY credit Card was not mine. 
I informed Amex. Amex informed me to contact Delta. Delta informed me to contact Amex. I filed multiple tickets. I only have 2 of the numbers ( XXXX, XXXX ) I ultimately was able to determine the account that recv 'd the miles was my daughter. Who does not have an Amex account. 
American Express continues to deny responsibility for awarding the points to the wrong Account number. 
I have been patient with American Express for almost 6 months. I am trying to plan my vacation with miles I worked to accrue. They will not award me the points and they now say too much time has expired to do anything about the issue. Time expired b/c they continued to push me around and failed to act in a timely manner. XXXX sky miles now sit in the wrong persons account. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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 is missing that should be on the report

Complaint:
I am XXXX years of age. My mother put me as a joint on her XXXX XXXX ( XXXX XXXX XXXX ) account about 2-3 years ago and it was removed by XXXX and Experian and I have wrote letters advising that this account is accurate and to not remove this account and it was removed. I want this account added back to my credit file as this is not fraud. I have not heard back from either company regarding replacing this back on my file. There was a letter that came in the mail regarding someone opening something in my name and it was not mine. I have lost my license and not sure when they were lost but I wrote to advise if anything is on my report I did not authorize it but the credit card IS AUTHORIZED. Please do not remove this one credit card. I am wishing to place XXXX XXXX back on my credit file that was removed. Account number is XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-10-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collection agency that I'm dealing with is Midland Credit Management ( Midland Funding LLC ). The company has first attempted to contact me on XX/XX/2019 at XXXX and I accepted the call, but got no response from the other end. Since then, I have been receiving up to three calls a day or every other day over the period of four weeks. Sometimes they spam my phone with the same number, other times the company will use a different number. 

On XX/XX/2019 at XXXX, I mailed a debt validation letter to Midland Credit Management instructing them to inform me of the debt that I supposedly owe them and the same debt they are calling me about. I also clarified in the letter that I am not to receive any more phone calls from them and that communication would only be done through traditional mailing. The only response I have gotten is more phone calls from the company spamming my phone and total disregard of my debt validation letter. 

To this day, I still have not received any mail from them pertaining to what debt I owe them, my account information for their website to see the debt to make payments on ( account number, login information, etc. ) or where they have purchased the debt from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
In XX/XX/XXXX, I pulled my credit report and found an account I thought was closed has been reporting none payment each month to the credit bureau 's. I paid off this account in XX/XX/XXXX. 

I have not received any invoices, letters or calls from Bank of America since I paid off this balance in XX/XX/XXXX and asked they close they account. 

I called Bank of America in XX/XX/XXXX to ask about the closed account balance and was told the balance was due to " fees ''. I asked for a detailed accounting and explanation of the " fees '' and have not received anything. 

Mailed a good faith pay to delete letter on or about XX/XX/XXXX via certified mail with a 15 day response time or the offer expired and no response. 

I have disputed this account with all three credit bureaus as it is an unverified account and the credit bureaus responded with the account has been verified and the balance was reduced. However, I still not not have any information to prove the validity of the amount.

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 2019-11-18
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-25
Company: AFNI INC.
State: KY
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:
XXXX XXXX is reporting an account on my credit report that isnt mine. I wanted it delete off my credit repor immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Phelan Hallinan & Jones, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I'm a XXXX year old retired XXXX XXXX Veteran. As a proud Veteran, I humble myself seeking help for a legal battle stemming from an illegal foreclosure while suffering a XXXX. When I wear my military hat, people come up to me and say " THANK YOU FOR YOUR SERVICE ''. Three foreclosures on the same property and with the same account have been documented. Now I have until XX/XX/2018 to pay a lump sum of {$18000.00} into the registry or be homeless. My legal rights in the XXXX County court system were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
money never received after debit went through at Chase Bank in XXXX XXXX Ca on XX/XX/2019. Told manager XXXX XXXX and she gave me her card and told me to call my bank and made no attempt to rectify this situation and I am out {$300.00} dollars and service fee of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: The CBE Group, Inc.
State: AR
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:
CBE COLLECTOR KEPT CALLING MY CELL XXXX AND MY WIFES CELL XXXX 13 TIMES AFTER CEASE COMMUNICATIONS THEY COLLECTING A DEBT FOR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank used deceptive practices related to excessive overdraft fees. 

Including misrepresentation of account balances and reordering of credits and debits to push my account into overdraft, allowing them to collect bank overdraft fees. 

Currently my YTD of overdraft fees are in excess of {$1000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Atlanticus Services Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife it called to make a payment and inquired about why could not access the account online to make payments was told needed an email address did that still could not access the account online so my wife set up for them to do auto-pay on the account have not heard anything until XX/XX/2018 from a debt collector and on my credit report shows it as being closedand late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector made a new debt on my credit report just for the fees from another credit. The amount is {$120.00} and Ive disputed with them and I havent heard anything back. Opened XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Loan was taken out in XXXX for XXXX. I paid on the loan untilXXXX until a divorce in my life caused me to file Bankruptcy the Balance was XXXX at that time. I have all the paper work. My husband at that time and I filed the Bankruptcy. My ex husband was in charge of paying the chapter XXXX in the Divorce. My Ex husband Made payments until XXXX leaving a balance of XXXX. He became sick unable to work and he went back to court to rework the Bankruptcy to a Chapter XXXX, leaving a balance of XXXX. My Ex Husband passed away shortly there after. I received A Notice 12 years later, Telling me they could not find me, and I owed XXXX plus. I hired and Attorney I have all the paper work. Unable to get any where with the Salle Mae. Long story short I have been paying on that loan ever since, I had my tax returns taken, my wages garnished, I am still paying. The loan had be sold many times. I have been paying Navient has had the loan I while I ask for loan forgiveness I am on a fixed income and my LOAN IS NOW XXXX DOLLARS, NAVIENT said more less keep paying. Please HELP me this is a Night Mare that wont end. I have been told they will take my SS and XXXX,. Please Help me. I have no cell phone in my name and I must go to the library to reply to any Emails you might send. I check my mail every other day. I have over 200 pages I came mail. I am unable to send that many on line. 
Thank You for your time. PS : The school for this Loan taken out in XXXX, NO LONGER EXIST ( The name wasn't on your list ) It was " XXXX XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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 is missing that should be on the report

Complaint:
I am XXXX years of age. My mother put me as a joint on her XXXX XXXX ( XXXX XXXX XXXX ) account about 2-3 years ago and it was removed by Transunion and XXXX and I have wrote letters advising that this account is accurate and to not remove this account and it was removed. I want this account added back to my credit file as this is not fraud. I have not heard back from either company regarding replacing this back on my file. There was a letter that came in the mail regarding someone opening something in my name and it was not mine. I have lost my license and not sure when they were lost but I wrote to advise if anything is on my report I did not authorize it but the credit card IS AUTHORIZED. Please do not remove this one credit card. I am wishing to place XXXX XXXX back on my credit file that was removed. Account number is XXXX XXXX XXXX XXXX XX/XX/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