BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
There is company called XXXX  XXXX. They use background and contact information on family members to threaten debt collection, false imprisonment. They use social media like XXXX to gather information and threat unaware family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of XXXX XXXX is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before Allied Interstate attempts any debt from me personally without proper documentation.

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express has been harassing me through their agent XXXX : my wife and I both lost our jobs due to COvID-19 in XXXX, since then, we havent been able to make our monthly payments to American Express. My minimum monthly payment was {$520.00}. After missing the XXXX payment, they decided that I owe them no less than {$6000.00} as a minimum payment or they would report me 30 days late. I didnt have the {$520.00} to pay them let alone the {$6000.00}. The collection agency they use, has been abusive, they harass me, they contact me before XXXX XXXX and after XXXX XXXX. They are completely unsympathetic to my problem, and they raise their voices at me and threaten to destroy my credit profile. American Express, refuses to contact me directly or speak to me. They refuse to make any payment arrangement for me or offer me any type of deferment. I have never been treated like this by any other credit card company. I have had an account with American Express since 1995. Every other credit card company is working with me in some capacity.I need American Express to come to the table and offer me some sort of payment plan so that I can pay off my debt. I refuse to ever speak to XXXX again and will continue escalating this matter to every possible government regulatory agency of this pattern of abuse does not abate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have An account with Bank of America, There is XXXX in unauthorized ACH transfers to XXXX XXXX that i did not authorized.

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 2017-09-17
Company: Navient Solutions, LLC.
State: FL
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:
XXXX XXXX ( now Navient ) offered me to consolidate my loans. I accepted but when Congress passed the law to allow the student loan forgiveness programs, I called them to ask if I would qualify for it since I worked for a XXXX XXXX XXXX. They told me that after 120 on time payments I would. Now that I made the 120 payments, they said that because my consolidation was under the Smart Loan Consolidation and not a Direct Loan Consolidation I did not qualify. I was given deceiving information to prevent for obtaining the public service loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: FL
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  ( with inaccurate info ) XXXX  XXXX EXPERIAN XXXX CONFIRMING FALSE CREDIT REPORTING INFORMATION PRETENDING BEING UNAWARE OF FRAUD. See attatched XXXX XXXX  ( *card end XXXX not mine ) Letter of XX/XX/XXXX from CREDIT BUREAU DISPUTES DEPARTMENT UPON XXXX XXXX CONFIRMATION NO DISCREPANCY REPORTED IN YOUR TRADELINE. I AM MEDICALLY HOMEBOUND UNABLE TO COME TO BRANCH & XXXX  DOES NOT PROVIDE ACCESS ON LINE FOR MY HAND XXXX. I AM UNABLE TO COMPLY ON ID THEFT KIT DUE TO A SEVERE XXXX KNOWN TO XXXX. see attatched XXXX XXXX Letter XX/XX/XXXX XXXX  Confirms Decision to DENY MY FRAUD CLAIMS *CARD END XXXX. XXXX  PRETENDS THIS WAS NEVER REPORTED IN LETTER XX/XX/XXXX. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL SERVICE CENTER case XXXX DELIVERIES NOT MADE BY XXXX PROVIDED TO XXXX. see attatched Identity Theft Report FTC case XXXX. XXXX XXXX  PROVIDED NO XXXX ACCESS. ( ADA Complaint XXXX ) see attatched XXXX  Letter of XX/XX/XXXX some dates 12th month 11th month ** NONE OF THESE TRANSACTION DATES ARE EVEN PAST 60 DAYS FROM * DATE OF LETTER. FRAUDS REPORTED TIMELY. XXXX  PROVIDED NO ACCESS AND DENIED CLAIM. see attatched CFPB RESPONSE XXXX XXXX I SUBMITTED XX/XX/XXXX. XXXX CLAIMS ALL CFPBs are duplicates as they will do with this complaint. I AM REQUESTING XXXX  & EXPERIAN VERIFY ALL ITEMS CHARGED WITH ORIGINAL SIGNATURE PURCHASES MADE FROM MY IP ADDRESS & ORIGINAL WRITTEN DOCUMENTATION ACCEPTANCE OF DELIVERY ** INTO MY HANDS Kindly Note ** CRIMINAL INVESTIGATION OF NON DELIVERY.

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 2020-09-03
Company: Carvana Group, LLC
State: NV
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:
Purchased my car from CARVANA XX/XX/XXXX. 
Temp tag expired XX/XX/XXXX. 
Im an XXXX driver, and rely on my car for my income. Im not able to drive it legally, Im paying for a car payment and insurance. I ALSO have to pay {$280.00} a WEEK, and they thought it was suitable to send me a {$250.00} check to cover me for another MONTH! They said I wont have my plates or registration MAYBE on XX/XX/XXXX, but wont continue paying for the rental I have to use to do my job and make an INCOME. The woman on the phone literally said - if it was me, I wouldnt send you the check. Oh, so youre telling me i have to work an extra 12 HOURS of DRIVING a week just to pay for the rental before i start making my income? Thats cool. Absolutely ridiculous. One woman says it hasnt been sent, the other says it has. They constantly lie and beat around the bush and dont care about their customers AT ALL. One guy has been waiting 160 DAYS for his registration. How is this even okay??? So I am physically drained beyond belief while these girls are sitting at home saying they think I dont deserve to be paid for the rental I shouldnt have to pay for if they did their job right in the first place? Quit blaming Covid, the DMV in Nevada is NOT backed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I withdrew {$5000.00} in cash from CitiBank 's XXXX XXXX branch. The teller had the cash counted by machine and put in a cash envelope. I did not open the envelope until XX/XX/XXXX. No one but me and my wife knew of the cash existence and location. When my wife and I opened the envelope XX/XX/XXXX there were fifty {$20.00} bills instead of fifty {$100.00} bills. I had been shorted {$4000.00}. I called Citi on XX/XX/XXXX and they indicated that they would investigate. I have other details in my affidavit sent to CitiBank 's investigative unit. This affidavit was faxed on XXXX and mailed that same day with an expected delivery date of XXXX. The {$4000.00} cash was credited back on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX at the XXXX XXXX bank saying she had great news for me. I called back but could only leave a voicemail. On XX/XX/XXXX I received a secure communication from Citi saying, " Your inquiry, R- # has been resolved. Please check your " New Documents '' in 24-48 hours for resolution details and related correspondence. '' I did not receive any " New Document ''. That same say, without notice, {$4000.00} was removed from my account and I only discovered that today upon reviewing transactions at the end of the month. There has been inadequate internal investigation.

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 2017-06-26
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My previous complaint against Champion Mortgage/Nationstar may have been answered but the responses were incorrect. This time I submit proof that my complaint is correct. 1. When Champion/Nationstar foreclosed on me inXX/XX/XXXX, they used incorrect numbers that were incorrect so the foreclosure was illegal but attorneys for Champion proceeded even though I tried to prove otherwise and my wife lay XXXX at the time. She XXXX on XX/XX/XXXX. The foreclosure was based on Champion claiming I owed real estate taxes for XX/XX/XXXXin the amount of {$10000.00} when the actual taxes for XX/XX/XXXX were {$6600.00}. False information leading to illegal foreclosure. 2. Now, Champion is foreclosing for the amount of {$11000.00} when their own statement shows LOC balance as {$8600.00}. 3. in written email from Champion their representative " declines '' to give me an proof of their charges. 4. In current threat of foreclosure, Champion lawyers state original loan balance as {$380000.00}. when the true original loan balance was $ {$170000.00}. I have repeatedly asked for HARP but have been ignored. I assume Champion will ignore it until it expires in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Coinbase, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I purchased {$1900.00} worth of Bitcoin. I sold my position on XXXX XXXX, XXXX, and should have seen a transfer to my bank account in the amount of {$2900.00} in 3-5 business days. I still have not seen my money. 

On Coinbase.com, I have opened case Case # XXXX with them on XX/XX/XXXX, and Case # XXXX on XXXX XXXX, and have not heard back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, LLC ( XXXX XXXX/XXXX ) is saying I owe a debt which I have no knowledge of. I requested that this company send me a validation with my signature on documents and they failed to do so. I have disputed this debt : therefore, until validated with documents bearing my signature your information concerning this debt is inaccurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. Please do n't respond to my request by saying that this account have been verified. Send me copies of the documentation in your file bearing my signature to verify the accuracy of this disputed account. If you do not have any documentation in your file bearing my signature in your file to verify the accuracy of this disputed account then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At the end of 2022 I called to dispute charges, the rep had me on the phone for over an hour and he didnt do what he was supposed to do which is dispute the indicated charges. That generated interest charges that I was told they will be waived. The interest charges are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fees happened cause the rep failed to do his work which I called to dispute some charges. I cant hold accountable for the credit card employees mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
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:
There are multiple things that are wrong with my credit report and I have tried to fix these error 3 times now and now I have had to hire a firm to dispute this information because it seems Im getting no where with them to get these issues resolved. I have tried multiple times to get this fixed and they wont remove it. My first issue is with the over 40 hard inquires where someone tried to obtain a loan of some kind either online or with a personal loan company but i have over 40 attempts to get a loan that I cant seem to get any help to remove. 2nd thing is XXXX XXXX is reporting that I owe them money for a credit card that was a secured card not a credit card that i initially had to make a deposit of XXXX dollars and that was my credit line. Someone gained access to my card and went to a place that is now out of business and bought one drink at a bar multiple times and tipped the person XXXX and XXXX dollars multiple times. I contacted the company once I realized it and the owner told me what was going on so I reported it to XXXX XXXX and they were going to follow up and I never heard back from either one and since then I contacted the establishment where the card was used and they are now closed. XXXX XXXX and experian have done nothing to help me resolve these issues. 3rdly I  moved out of an apt and apparently the gas was left turned on even after I moved out I was told the tenant never turned the gas over into his name so I was charged for the 3 months that it wasnt switched over I eventually caught wind of it and contacted XXXX XXXX XXXX and they told me I needed to contact the new tenant and how am I supposed to do that from Arizona. This isnt fair the landlord should of made sure the new tenant signed up for XXXX XXXX XXXX rather then let my account be charged. I also had a credit lock on my profile for about a year so I dont know why I have multiple inquiries to obtain multiple car loans and personal loans.

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 2017-09-20
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:
The recent Equifax hack ( XXXX-XXXX 2017 ) potentially leaked all of my most valuable personal information online. I would like to know what steps will be taken by Equifax to right this wrong. I would also like to know Equifax 's legal culpability in this event. For example, I am held accountable for how the information in my credit report is used, including if it is stolen. I expect the same from Equifax and view this as gross misuse of the information they have been entrusted with. My social security number is issued by the US Government and therefore I am also curious as to how they will be involved in this investigation. I personally believe the entire social security number system has been invalidated by this leak and this will be an expensive problem to fix, the responsibility of which I feel belongs to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: KS
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: Problem with personal statement of dispute

Complaint:
I noticed my credit report had several inaccuracies including the spelling of my name. I had disputed with Experian a  bankruptcy. Experian said no changes will be made. I notified Experian as asked what  method of verification do this use they advise me XXXX XXXX. My XXXX XXXX report has a freeze for security purposes it’s no way they could have be able to do a accurate investigation concerning my dispute.

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 2021-02-24
Company: EQUIFAX, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts are continuously reported with different name variations and same account number and yet never shown in dispute status. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
in XX/XX/2020, I made a purchase at XXXX XXXX. I paid off the account, then closed it. I was dissatisfied with the annual fee that would be charged to the account. On XX/XX/XXXX, a refund was issued. I have yet to receive a refund from Capital One one month later. In XXXX, I also closed a second Capital One card. A few days later, I had changed my mind, and wanted to reopen the account. I contacted customer Service. I was told that I can not reinstate the account, and I should reapply. I reapplied, received a hard inquiry on not one, not two, but all three of my credit bureau files, and was then declined. So now not only do I not have the open account that I was seeking, but I have THREE hard credit inquires for one application - how is that right? I have paid ALL of my credit obligations, on time, every month. I do not understand why I can not reopen an account, when I have been an excellent customer. Why is Capital One holding my refund? Why do I keep receiving auto loan letters, when I can not drive?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Account is on a reoccurring online payment plan, for repayment of a simple interest mortgage. Account is due on   XXXX   of each month.  Servicer sh ows that the payment is made on time and credits account with the amount due.   Servicer continues to collect interest in their favor until they receive the monies from my bank. Servicer does not honor the " mailbox rule '' as they do not have local offices.
Servicer was sent a lette  r requesting an audit and correction of the account. The sent response letter stating the matter would be investigated and concluded by  XXXX  but as of this date they have not responded to the request for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Debtor XXXX care Hospitalists XXXX XXXX XXXX XXXX XXXX NV XXXX Gave My Treat information along with XXXX XXXX XXXX, cost and dates of service to Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX which is a XXXX violations as collection agency can not have my medical records XXXX charged XXXX and the other XXXX which fraud

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