BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: General Service Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I saw online that this is a debt collection company which is fine because I am sure I owe some debt but they call every other day and they never leave a voicemail and the phone number does not allow me to call them back directly. And when I try to answer the call no one says anything or they hang up if I greet them and say hello. How can I get information or give information if all they do is call but are not willing to actually communicate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: DISCOVER BANK
State: CO
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:
On both XX/XX/XXXX and XXXX of 2021, I submitted three claims involving fraudulent purchases on XXXXXX/XX/XXXX with the same subscription-based price of {$170.00} that I did not make on my phone ( XXXXXX/XX/XXXX ) with XXXX. However, because XXXX failed to recognize that all three transactions were unauthorized, I had to rely on all three credit card companies that the purchases were being charged onto XXXX Discover, XX/XX/XXXX and XXXX XXXX. So far, on XX/XX/XXXX of 2021, XXXX was able to determine that the purchase involving XXXX XXXX was unauthorized. As for XX/XX/XXXX, I don't know what the outcome will be since I have not received any update from them. For Discover, they failed to recognize the transaction as fraudulent on both attempts ( the result for the first attempt was on XX/XX/XXXX after I filed a dispute with them on XX/XX/XXXX and the result for the second attempt was on XX/XX/XXXX after I read the Dispute Result Letter from Discover and have sent them additional documentations on XX/XX/XXXX ). Also on XX/XX/XXXX, I sent them one more evidence telling them that XXXX was able to recognize the transaction as fraudulent that Discover did not and suggest them to look over the previous evidence again to make sure they do not miss any foul play. However, after this, I did not received any response from Discover for five days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: CT
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:
Hi Experian, XXXX, and XXXX ; I was going through my credit again today and noticed 3 negative accounts on my credit report from XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received 1099c from the original creditors? How come you said you verified these 3 accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX XXXX XXXXXXXX # XXXX Charge-off {$83.00} ; XXXX  XXXX # XXXX Charge-off {$3700.00} ;

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 explanation
Consumer complaint received 2022-01-18
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a follow up to initial complaint # XXXX. The company ( Shellpoint Mortgage ) provided a letter to me, my attorney, Consumer Financial Protection Bureau and the XXXX XXXX XXXX The letter states they will release the 2nd lien mortgage and discharge it. The attorney has asked several times for proof of the copy of the paperwork preparing the discharge. We have not received anything from them. This makes us a bit suspicious and question if they actually prepared to file the discharge release of the lien. The attorney 's firm said they can go to court if the matter isn't resolved. This will surely hold up in court on our side since they provided a letter ( on their company letter head ). It is in writing. Can the CFPB perhaps investigate as to why we have not received proof of the release/discharge?

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 explanation
Consumer complaint received 2017-07-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a checking account with Wells Fargo. ( I had had this account for 16 years ). This account was linked to my Wells Fargo credit card. Each month I could automatically pay my Wells Fargo credit card bill. I had it set up so that if I took no action the minimum required payment would automatically be taken out of this Wells Fargo checking account. That way even if I got busy my credit card would always be paid on time! Out of no where in XXXX 2017 Wells Fargo closed this checking account. Because they closed this account my credit card payments on the Wells Fargo credit card were then NOT being paid. I was totally unaware of this and I do not believe that Wells Fargo did enough to notify me that they were closing this checking account. It was very surprising especially since I had had that account for so long.
Apparently they had changed their policy and this account was being closed because it did not have the required number of transactions per month. I never got a phone call to notify me of this information. To me this is especially shocking and upsetting since I had been a customer for such a long time and had a record of paying my bill on time. Then Wells Fargo started to send me letters stating that my balance had not been paid. I received the first letter on XXXX XXXX, I did n't look at the letter at the time as my XXXX child had been born the XXXX XXXX. By XXXX XXXX, they sent me another letter stating that I was delinquent on this account and that a payment of XXXX had to be paid immediately. I also did n't get this letter until several days later. Finally I got another letter on XXXX XXXX that stated that I had to pay a minimum of XXXX. This was the first time that this matter was brought to my attention and I was horrified. I immediately paid the XXXX. Even though I worked hard to rectify this situation Wells Fargo still put a hit on my credit score. This has severely impacted my credit score. Currently I am trying to buy a new home and my ability to lock in a competitive rate is being affected by my low credit score. All of this had happened because Wells Fargo closed an account I had that was paying them on time every month. I feel that this situation was Wells Fargo 's fault. As they first set me up to not pay my credit card bill, then charged me enormous fees when my payment was late and then finally they hit my credit score and damaged my credit history when none of this was my fault.

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 monetary relief
Consumer complaint received 2017-09-19
Company: Diversified Consultants, 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: Old information reappears or never goes away

Complaint:
I previously disputed this exact collection and it was taken off. It was previously on my credit report before being removed as opened XX/XX/XXXX for {$600.00} and now it listed opened XX/XX/XXXX. It has now been re-added and under the opened dates have been changed to XX/XX/XXXX for {$600.00} with Diversified Consultants , Inc. as if it is a new delinquent account ... This account is listed on all of my three credit reports with the reporting bureaus. I have read guidelines that companies can not do this so I want it fixed as my score just plummeted almost 30 points for no reason. They were not able to prove that this even existed or is valid within the time period with you all and the reporting bereaus, so I do n't appreciate this company falsifying a new listing to do this. It 's unfair and how long will I have to keep going through this with the same company? I have not received anything in writing about this new supposed account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/21 I submitted a dispute to the bureaus. The companies have not looked into my dispute whatsoever and it has been over 30 days. You guys are in violation of the FCRA pursuant 15 USC 1681i. Please remove these items from my credit report 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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX  services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.

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 2017-07-27
Company: EQUIFAX, INC.
State: TX
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:
On XXXX XXXX,2017 Equifax administration sent me a Retaliation and Discriminating response through CFPB Portal.
Calling me Dear, XXXX XXXX. My name is not XXXX XXXX.My name is XXXX XXXX XXXX.
Why is Equifax Administration retaliating against me as a XXXX Military Veteran and my XXXX Lifetime?
I filed complaint on XXXX XXXX,2017 Case file # XXXX.
What 's Federal Government going to do against Equifax Retaliation and Discrimination against me as a Military Veteran?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: DISCOVER BANK
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It is so complicated and frustrating..I have called discover multiple times and spent hours on the phone. There was a dispute fraudulent charge. Old Account was closed and a new card was sent. I paid off old balance. This payment wasnt reflected. And old balance was transferred to new card. I thought ok mistake so I paid it also thinking I would get a credit eventually. Now they are saying I STILL owe old balance and trying to transfer it again to account. Also even older than this was an old double charge from XXXX where the charge from XXXX and the charge from the hotel for the same night was on statement and they still did not honor my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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:
XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.

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 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, XXXX deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. Transunion and XXXX   has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion, enclosed is a copy of letter I received. And attached to this complaint you will find necessary supporting documents. As well as a Police Report for Identity theft. I am requesting again for you to remove the inquiries and accounts as a result of Idenitity theft. These inquiries and accounts were all done without my consent or knowledge. Please remove ASAP. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX x 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : XXXX XXXX XXXX XXXX. 
XXXX New Mexico

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 2018-01-07
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a {$200.00} American Express gift card from the XXXX at XXXX XXXX XXXX XXXX, XXXX, RI on XX/XX/XXXX. I used the card normally for in person purchases. It remained in my possession in my wallet except when it was being used for purchases. On XX/XX/XXXX, two fraudulent purchases were made over the internet using my card totally {$130.00} ( two charges to XXXX @ {$19.00} and {$120.00} ). I noticed these charges on XX/XX/XXXX when checking the card 's balance on the American Express website. This check of an older card was done because I had fraudulent charges on another card - I went back and checked all of my older cards. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that American Express would investigate and get back to me. It has been a month and I have n't been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a letter certified mail to XXXX to valid debt in about of {$740.00}, XXXX responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to XXXX certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original client XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
They are holding my funds hostage while not responding to multiple tickets and do n't allow phone support. Only a vague message upon logging into the website saying : " We could n't complete one of your buys due to an issue with your payment method. Please select a payment method to continue. '' " COMPLETE YOUR BUYS Amount $ XXXX '' " AFFECTED PURCHASES {$0.00} via Unknown Payment Method '' I clicked 'make payment ' without any understanding of what I was making a payment for, in hopes that I would gain access to my funds and be allow to log in to XXXX again but absolutely nothing happened. 

I 'm at a loss as to what is going on here and because it 's impossible to interact with Coinbase, i 'm here to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: BANK OF THE WEST
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a used recreational vehicle ( RV ) from a private seller in XX/XX/XXXX with a loan from Bank of The West ( BOW ). As of XX/XX/XXXX I am still unable to use the RV due to BOW failure to register the RV. BOW initially provided the incorrect mailing address to the sellers bank, XXXX XXXX XXXX Bank. XXXX XXXX XXXX Bank mailed the title to the invalid address and the title was subsequently lost. I have contacted the " customer service '' department of BOW via phone and email dozens of times. BOW asked that I reach out to the seller and request their drivers license to request a new title. After telling BOW that I do not work for BOW and I would not reach out to get the DL, they told me that in that case there is nothing they can do. I relented and reached out and provided BOW with the DL as requested. My most recent attempt to get a status update on the title was via email sent on XX/XX/XXXX. BOW has not responded to my email as of XX/XX/XXXX. I have been paying principle, interest, insurance, and storage for the RV for 13 months now and am unable to use the RV due to BOW 's negligence.

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 2021-09-14
Company: Early Warning Services, LLC
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:
Failed to have adequate processes for accurately reporting of checking account reporting information about checking and deposit accounts. With inaccurate information about checking account history.

Company response to consumer: Closed with explanation