BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 disputed this account 3 times with the creditor Kohls/CapOne and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail to creditor Kohls/CapOne and XXXX, XXXX, XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the 30 days validation period. The creditor only responded to XXXX, XXXX, XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer? 
My fair credit reporting act rights are being violated by the creditor Kohls/CapOne by not providing validation of the account with the consumer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Professional Debt Mediation, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the company " professional debt '' letting them know that they have an account on file with my information that was fraudulently created. I have never done business with them or any of the clients that they represent. This account is the result of identity theft which I proved to them multiple times yet they refuse to remove my information from their systems. I demand that this file is blocked from my credit report immediately. they are trying to blackmail me into paying a debt that is not mine. I will be taking this to court if it is not resolved in 21 days. I will be suing for defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX XXXX, I accepted a credit card from Barclays Credit Card Company with a {$4000.00} limit. I paid every month ( never missed a month ) most times over the minimum amount until I lost my job in XX/XX/XXXX. I continued to pay until XX/XX/XXXX. However, with the astronomical interest rate of 22 % I have not been able to keep up the monthly payments which were over {$100.00} or more monthly. Because of this high interest rate and other charges, I am sure I have paid well over {$6000.00} on a {$4000.00} loan. I contacted the credit card company, asking for a lower interest rate, therefore a lower monthly payment, or a settlement of the account. I was told that I was not eligible for any of these options, and I was not offered any recourse. I am XXXX years of age, not in the best health, and only receive social security benefits and a small pension. 
I certainly do not want my social security benefits garnished as this is all I have to live on. It has been so hard finding work. I have interviewed and not called back for the jobs. I think it may be because of my age, or credit rating. of course I can not prove this. Any advise you can provide will be greatly appreciated. I am now 3 months behind on the credit card. 

Sincerely

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 2019-06-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: AZ
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:
My XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX # : XXXX is lost/stolen, and all the transactions on the account is fraudulent and unauthorized transactions. I have never used my 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 2021-11-11
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/21 - MRS BPO LLC collections agency sent me a letter stating that they are attempting to collect {$300.00} balance owed. 

XX/XX/21 - I sent a debt validation letter requesting that they validate the debt XX/XX/21 - The letter that was sent via certified mail was delivered. 

XX/XX/21 - It has been more than 60 days and the debt has not been validated. The collection agency is non-compliant with the FDCPA. This company may not attempt to damage my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing and its employee XXXX XXXX are continuing the same abusive servicing practices it was ordered to Cease and Desist. Do to the abusive servicing practices I canceled out the increased none negotiable loan modification with outrageous balloon payment then submitted a application for assistance to avoid the illegal seizer of my home until I can get justice in a court of law. As of today, I still have n't received a response. I have added the Consumer Financial Protection Bureau as a defendant to the lawsuit because they failed to take action against Ocwen Loan Servicing, and because of all the past quiet XXXX dollar settlements in agreement allowing Ocwen to admit no wrong doing which has allowed Ocwen to continue its abusive servicing practices allowing Ocwen to keep committing fraud against me to embezzle my home to enrich themselves while the CFPB shuffles its millions. The Consumer Financial Protection Bureau is not designed to protect homeowners from abusive loan servicing practices it is designed to receive millions in settles in exchange allowing Ocwen to admit no wrong doing when Ocwen makes false promises to clean up its act. The same old story! The same old quiet XXXX dollar settlements! The same old abusive servicing practices! The same old harassment! The same old demons running a muck! The same old family 's out in the streets with nothing left because of Ocwen manufacturing documents to be guaranteed favorable judgments to embezzle homes!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I began receiving robo calls in XXXX. The calls were strange and said " A complaint has been filed against '' me. At first I thought it was a simple mistake, since I had not ( and still have n't ) received anything in writing. Then, family members, friends and my work said they began receiving these calls too. To the best of my knowledge I do not owe anyone anything and have been working on raising my credit score. 

Then I received alerts from a credit monitoring service that this company has entered numerous credit entries on my three credit bureau files. These entries show an amount, that I do not owe XXXX {$620.00} XXXX, and show late payments for the month of XXXX and XXXX. 

My credit score has plummeted. 

Since I have not received any written communication from this company, I had to use the address entered into my credit files. I sent them a written request for the following : I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent They have not responded and it has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a compliant on XX/XX/XXXX against Bull City Solutions and they still failed to provide with proof of the debt that they insist that I owe. I thought the purpose of filing a complaint for them to prove that I was responsible for the debt. I was in violation of my HIPPA because at no time did they provide proof that I signed documentation with that company to have authorization to handle anything that pertains to my name. My compliant was closed with them not even providing proof and I thought this was the steps to resolve this issue. I am not responsible for this debt and they have yet to show proof. I have provided what I said and their response. It can not be as simple as them saying that they have information that I already requested now say simply they have documentation that they never provided. I want resolution to this issue. I want a document with my license and signature authorizing that I have a account with them. If they can not produce the requested information I want those accounts deleted from my credit reports with all agencies. 

My initial response with compliant number and the responses Compliant number XXXX On XX/XX/XXXX, I sent a certified letter to Bull City Financial Solutions . The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/XXXX. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me. 


Bull City Response : Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Copies of her driver 's license off our clients system has been sent as further proof the debt belongs to her. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ability Recovery Services purchased a debt from XXXX XXXX XXXX that I paid to have removed from my credit report in XX/XX/2020. I have made several attempts to resolve the issue with directly HOWEVER they elect to put it on my credit report anyway.

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 2017-07-07
Company: Experian Information Solutions Inc.
State: CA
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:
Experian verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL XXXX XXXX RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports

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 2017-07-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On  XXXX   XXXX   2017  I submitted an   XXXX   XXXX   of  XXXX   XXXX  in the  USD  amount of {$26000.00} as confirmed by the Companys Records on COINBASE. Shortly after submitting this transfer request and receiving confirmation, the Coinbase site put up an  XXXX   XXXX  stating that all  XXXX    XXXX   would be delayed due to high volume requests . ( a  transfer of this nature usually t akes 10-20 minutes ) Well,  I could not cancel my transfer request at this point so I was locked in.   Approximately  26  HOURS later, I received an email from COINBASE, stating that my transfer of  XXXX   XXXX  was complete at a value of {$19000.00}, leaving me {$6600.00} short. Now, a slight variation might be expected in normal trading, but due to the fact that  COINBASE  was unable to handle the volume, it took about  26 tim es the amount of time to complete the trade and in the meantime I 'm out {$6600.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Rocket Mortgage, LLC
State: CA
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 Monday, XX/XX/2022 at around XXXX, XXXX XXXX XXXX XXXX XXXX ) from Rocket Mortgage called and at one point, he asked for my DOB which I thought was part of the process of completing the file for our mortgage account which was recently got transferred to Rocket Mortgage. NOT knowing that he pulled a hard credit report on my husband and I. He misled me by asking a series of questions and at that point, when he asked my DOB, I thought was all part of his job of completing our information. Unfortunately, he ran a credit report on my husband and I which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with United wholesale mortgage. They admitted that failed to pay my homeowners insurance from my escrow account, thus causing a lapse of a month in insurance. Setting aside how disastrous that could have been, they are now charging me a {$170.00} fee for the lapse of insurance coverage, which was their fault. I've spent hours on the phone with no resolution. I also paid my insurance myself and faxed them notification that I no longer want my insurance part of the escrow account. Despite that they just notified me that my escrow account is short {$2900.00} therefore I have a new mortgage payment two hundred dollars more. And they wont change it despite knowing I will be paying my own insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 have a Bank of America and XXXX Bank equity line account at is over XXXX XXXX XXXX and it should be remove for my account. Equifax refuse to remove this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
In XX/XX/2020, I had a very severe case of XXXX XXXX. I was hospitalized and received XXXX care for close to two months. As a result, I was unable to pay my Bank of America balance on my credit card. Upon release, I completely paid off the entire balance. I have called Bank of America at length to dispute the late payment information, citing the Covid 19 pandemic as a reason for nonpayment. Bank of America is refusing to update the information related to my credit dispute. I have escalated this with XXXX who has also been unable to get Bank of America to change the status.

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 2022-10-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Wells Fargo said they were going to send my files to the Financial department, but I have not heard from them. Wells Fargo Bank ( WFB ) froze my account, then closed it. Simply because I asked the teller, was a check sent to me in the mail for a job, any good? It is my belief that I was one of the persons on their fraudulent list of Names that salespeople obtained from the Department of Children and Families in XXXX Florida. We were not WFB customers, so the bank Manager approached me to open an account, then it was closed for suspected fraud 5 weeks later. This was done to close out all the misuse of fraud, and identity theft, and to falsify banks ' records. Once I was in their system and then set up as suspected fraud done without my knowledge, the computer system now identifies me as fraudulent Actions committed even by the salesperson. Then they dismiss me and anything I was being used for, and my credit ratings dropped, and I was made unhoused in the year beginning of XXXX and then again in XXXX. They used my sensitive personal information and identity. WFB has voided everything on their computers and with the credit bureaus except the dropping of the credit scores. I have enclosed documents to clarify the roots of the fraud committed by WFB salespeople.

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 2017-11-11
Company: BARCLAYS BANK DELAWARE
State: NH
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:
Previous credit line : {$20000.00} Current credit line : {$5000.00} at one point it was at {$1000.00} on XXXX/XXXX/XXXX I paid my full balance of {$19000.00} after being a Natural Disaster victim of XXXX XXXX. My business in XXXX has suffered with all my contractors in the center of the storm with all my inventory. 

Anyways, I called XXXX XXXX XXXX in regards to my situation and it got dismissed. Then before I paid I saw my credit line still at {$20000.00}. So I decided to pay my balance to free up my available credit. By doing so, Barclay decided to reduce my card line to {$1000.00}. After frightening seeing that I called and after a long call they increased it to {$5000.00}. 

Barclay never notified me in any way ( mail, phone call or email ). Please help increase it back to {$20000.00}. I called again and they refuse to help 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