BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I continue to receive notices regarding a toll violation/fees owed. I have no knowledge of this debt and never received information on a way to dispute this debt. The company continues to report negatively on my credit after several attempts to have removed from credit report and continues to be placed back on report. I believe this debt is fraudulent and have no knowledge of where this debt came from and company their acting on behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Equifax and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I have been charged a late fee of {$39.00} every month for the year despite making payments. This is in addition to 24 % interest charge as well as annual fee. Also, the institution is reporting me to the credit bureau affecting my credit in disfavor lowering my rating. I was making payments of $ XXXX monthly while I was on travel which was communicated to a representative before my trip of a destination with no internet access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XXXX/XXXX/XXXX, I had to replace my XXXX due to hardware issues. I did not think to disable my two-factor authentication. So I was locked out of Coinbase as well  as many other accounts. All the other accounts I do business with were able to help me regain access within a couple of days. While the reason for my account lockout is not the fault of Coinbase, it is unreasonable that 30-days later I have not been able to regain access to my account. As of today, XXXX/XXXX/XXXX, I still do not have access to Coinbase likely due to a lack of staff to respond to consumer issues. 

Coinbase case number XXXX. Coinbase " escalated '' case number XXXX. 

XXXX/XXXX/XXXX, I attempted Coinbase online process to recover account using my photo ID. The recovery attempt failed. 
I emailed Coinbase and received 2 auto reply  messages including instructions on how to disable two factor authentication, which did not work. 
XXXX/XXXX/XXXX, I received another two auto reply emails. 
XXXX/XXXX/XXXX, I used their online process to send request to disable two factor authentication per their online instructions because they are not responding to emails due to volume. 
XXXX/XXXX/XXXX, I attempted their online process to regain access to my account, but the photo ID process failed again. 
XXXX/XXXX/XXXX, I attempted to call their call center and after waiting 57 minutes, I had to disconnect. 
XXXX/XXXX/XXXX, I attempted to call their call center and finally got through. They were unable to assist me, but they " escalated '' my case. The total length of time on hold and speaking with rep was 1 hr 7 minutes, with the majority of time on hold. 
XXXX/XXXX/XXXX, I received an automated email with the same procedure that does not work. 
XXXX/XXXX/XXXX, I received two additional automated messages ( which I 'd received previously ) offering  instructions, that have not worked. 
XXXX/XXXX/XXXX, I received yet another repeat automated email. 
XXXX/XXXX/XXXX, I called their call center and this time asked to speak with a supervisor. They were not able to assist me, but assure me that my case had been escalated and would be worked in the order in which it was received. Total time on the call both on hold and speaking was 1 hr 27 minutes, with majority of time on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient chronically calls me about my loan being past due. Except it is n't. I 've printed a screenshot I would love to upload for you that is worth 1000 words. They constantly force you into the e-communication portal, but they never send any e-communications before a payment is due. I managed to get a 3 way call going with an attorney, and so now I get paper billing. Here is the issue with that ... my loans are due on the XXXX, and the billing comes on the XXXX, so that 's pretty useless as a reminder for the current month, so just get one month ahead ( which is fine ). But, I can see why they are being sued. Furthermore, my loans got LOST for years ( unsub and sub got split, there was a medical bankruptcy ) and there is a question about how much interest is my issue after the fact. XXXX XXXX was a whole other horrendous battle, I made repayments 3x to get the loans " rehabbed '' and they always failed to file paperwork on their end, which, as the customer ( and they swore at me, told me I had made a poor career choice, many other things ) should get me an interest load reduction. I can sue, or I can ask nicely and then sue. Either way, there are a lot of problems with all of these services and the QC is not there. Right now, if my loan is current, I would like it to be treated as current. No harassing calls, and for it to not show a due date of XXXX and then also say " past due '' on the same screen. Should be doable, correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated. Have also sent cease and desist letters company continues to Harrass me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/2021 XXXX XXXX XXXX notified me my credit score dropped almost 100 points. After a lot of investing, it turns out XXXX sold my XXXX credit card to Barlcay Bank and gave incorrect, outdated personal information on me so that I never received a bill or any contact at all from Barclay regarding a {$60.00} payment due. ( Not even my correct last name ). That resulted in a delinquency on my 14 year Excellent credit score and dropped me from XXXX to XXXX. My credit reports history speak to how responsible I ALWAYS am. Zero balances every month for 14 years, except my mortgage. I spoke with XXXX and they said their records are purged. I spoke to Barclay n my and they said they won't help.

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 2017-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This has to do with a merchant ( XXXX XXXX XXXX XXXX XXXX ) taking money from my account without my authorization. The merchant states that I signed a service agreement for there services, but I did not sign any service agreement. Also, they took the funds automatically from my account. The copy of the service agreement that they provided me does not have my signature given them approval to take funds from my account. The merchant took {$590.00} from my account without my authorization. I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 and they advised that they will not refund my money. XXXX XXXX is the owner of the business and he has not responded to my calls. There contact information is ( XXXX ) XXXX or ( XXXX ) XXXX I also tried contacting my bank to advise them that this is possible fraud, but they refuse to help. I contacted my bank ( Chase ) on the following dates XX/XX/2017, XX/XX/2017, XX/XX/2017. It seems that Chase is not protecting my funds as they should. I have attached a letter from Chase where they temporarily gave me a credit for {$590.00} while they reviewed the claim. On XX/XX/2017 they advised me that the charge was valid and that they will reverse credit. I also attached a copy of the service agreement from the merchant. The service agreement does not have my signature or approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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 second time reaching in regard to EQUIFAX. XXXX, AND XXXX! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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 second time reaching in regard to XXXX. XXXX, AND TRANSUNION! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!

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 2017-07-26
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started this loan in XXXX of 2005 and started paying the interest. on a XXXX loan. I have paid XXXX not including fees. I have a 6.5 % interest rate and I still owe XXXX. They claim interest is accrued daily and wo n't explain what that means. I have paid more than double the amount with fees easily But they only apply to the interest not bring down the principal thus then charging me interest on my interest daily and never working down on the principal. They wo n't let me release my co signer and they wo n't let me consolidate it into my fed loans. I have written my congressman and because its a private loan they ca n't touch it. They also call non stop and wo n't stop. They also have ruined my credit and my mothers credit who is a co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As of XX/XX/2017, I have attempted to access my Equifax Credit Report Security Freeze, on-line and through their toll free number. I have been unable to process my request beyond the initial information page ; which results in notices of Unable To Process Request, Page Not Available or Security PIN Invalid. When attempting to use hyperlink for Contact US, this results in Invalid Page error. When attempting to use toll free number, this results in Service Not Available notice, after all personal information has been entered. 

There is NO available means to resolve any of the concerns, as provided by Equifax since announcement of their Security Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2019 XXXX to XXXX CST Called Midland Credit Management They had four accounts of mine in the amounts of : {$1500.00}? missed the change {$3600.00} {$880.00} {$1200.00} I called Midland Credit Management to try and work out a payment arrangement on four accounts that they had of mine in collections. I explained my loss of income and loss of current job position to company moving my product to another state. I told the representative I could only afford XXXX/month to pay towards all the accounts combined. I told if he couldnt do that I would pay {$100.00} today. He transferred me to a supervisor. I told her the same thing and then asked me to think outside of the box, i informed her that I dont have any other resources. I mentioned I havent gone to the doctor for my XXXX XXXX in many months since I couldnt afford it. She than preceded to tell me that XXXX XXXX was serious and asked if i had to go to the emergency room for it how would i come up with the {$400.00} needed to pay for it. I told her i couldnt. She continued to push. I informed her I would still be seen in ER and would fill out papers for XXXX XXXX I told her again I could only do XXXX/mo and if she could take that monthly that I would make a payment of XXXX today. She told me she couldnt do the arrangement, i told her i would just pay the XXXX today then and she refused to accept my payment and continued to talk over me. I asked what her name was she said it quickly, I asked her to repeat it, she didnt, she continued to talk over me. I asked her on this recorded line if she was refusing my payment? She continued to talk over me and refused to take payment. I informed her I was going to file a complaint and ended call. 

I called back and told the rep on the phone that I wanted to file a complaint. I filled this person in and let her know that the rep had talked over me, was very pushy and refused my payment. She said would have someone in management review the call. I informed her that I was going to also file a complaint with the CFPB. After explaining everything she set me up on a payment plan that i had asked for at the beginning of the call. The first supervisor was rude, seemed to treat me like i was lying to her, talked over me and refused my payment of {$100.00} that i offered for today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These accounts are fraudulent : XXXX XXXX {$180.00}

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 2022-02-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am unable to pay this debt due to financial hardship. No offer of a lower income assistance was offered by the original creditor, and isnow with a collection agengy. This has created a negative effect on my credit file with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Because of past overdrafts to my personal checking account a hold was placed on my last deposit. of a check totaling {$1300.00}. I was thinking okay a day or two. I was then informed that the hold will not be lifted for 10 business days. I explained to the bak customer service personnel that that seems very unreasonable i have business that I have to be able to take care of as well as children in my home I can not go two weeks with no money available to me. The amount of the overdraft was {$70.00} with a bank charge of {$35.00} so how is it that the bank is allowed to access the deposit to cover the over draft along with their fee and then deny me access to cleared funds in order to live? I do not have a outstanding debt with this bank and do feel that this unreasonable.

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 2022-02-07
Company: ARVEST BANK GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- I received a CARES Act deferral offer from XXXX Arvest Central Mortgage Co., dated XX/XX/XXXX. I Accepted the offer by signing and mailing it to XXXX on XX/XX/XXXX. 
- Thereafter, I received a Mortgage Statement from XXXX  dated XX/XX/XXXX. Under " Explanation of Amount Due '', it showed a " Regular Monthly Payment '' of {$2400.00}, which I paid by mailing a check to XXXX on XX/XX/XXXX. 
- The Mortgage Statement also said, " You have agreed to a Trial Modification ; please continue to make payments according to the schedule you were provided '' ; but I had not yet received any notice regarding trial modification. 
- Thereafter, I received another letter from XXXX dated XX/XX/XXXX. It stated, ( i ) " You are approved for a Trial Plan to Modify Your Mortgage Payment '' ; ( ii ) " Send your first trial period plan payment of {$1300.00} to accept this offer '' ; and ( iii ) " if you submit your first trial period plan payment by XX/XX/XXXX, follow this schedule for your second and third trial period plan payments. '' - On XX/XX/XXXX, I sent the first trial period payment to XXXX and on XX/XX/XXXX I sent the second trial period payment to XXXX 
- On XX/XX/XXXX, I received a call from XXXX  confirming ( i ) that the XXXX checks had been received, ( ii ) that the funds received had not been applied and ( iii ) she did not know why the funds had not been applied but ( iv ) she would transfer me to someone to address the problem. 
- After a long hold, the agent told me that no one was available, but someone would contact me. I told her it that it was difficult for me to receive calls due to my work, so XXXX should mail or email me stating how the problem would be resolved. It has now been over a month and I have not heard from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: NJ
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:
U.S. Department of Education sold my information to XXXX XXXXXXXX and XXXX XXXXXXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.

Company response to consumer: Closed with explanation