BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account status incorrect

Complaint:
This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Waypoint Resource Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was renting an apartment in XXXX, Florida. Cable TV service was through XXXX. When I vacated the apartment ( XXXX/XXXX 2019 ) the cable box was inadvertently left behind. After a number of weeks, I received either a telephone call or written notice from Waypoint Resource Group, a debt collection agency, saying that I owed them {$440.00} because the cable box was not returned. ( This is unlikely as the management of the luxury building would have returned the box to XXXX when they took possession of the apartment. ) When I received the first telephone call I asked the caller who they were and when the person said they were calling about a debt I owed for non return of the cable box, I said that I never received an invoice from XXXX. The caller then said that I owed {$440.00} and when I questioned the amount as being far above what I would have owed for the non return of the cable box, the caller said he was in no position to determine that and that is what I owed, so I was left in the position of having to overpay Waypoint for a cable box that I had not ever received an invoice from XXXX for. 

I am ready to pay XXXX XXXX   invoice if Waypoint produces an invoice from XXXX. 

The first indication that this matter had been sent to a credit agency was when I went through my annual review of my credit reports. Checking on who Waypoint is, their record of complaints indicated that it was possible they were not following acceptable debt collection procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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:
On XX/XX/19I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the Federal Trade Commission as well. I sent all three letters and their contents to all credit bureaus, XXXX, XXXX  and Trans Union on XX/XX/19and I confirmed all three bureaus received them on : XXXX  Tracking : XXXX Delivered XX/XX/XXXX, Trans Union Tracking : XXXX Delivered XX/XX/19and XXXX  tracking : XXXX XX/XX/XXXX delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is now XX/XX/XXXX ( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.

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 2018-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I called my credit card provider, ( Capital One ), to make a balance transfer to pay off one of my bills for {$5400.00}. I checked the transaction 10 days later and it had not posted on my bank. Instead it was made to a different bank that I 've never heard of, XXXX XXXX XXXX and to a different account number from the one I gave the Service Rep that took my call. I called Capital One on XX/XX/XXXX and they said to wait another 10 days. I have called numerous times. The second time I called I was told to call the bank myself but yet they would n't even give me the account number the transfer had gone to. I kept calling and asking for the supervisor in the Balance Transfers Department but I was told the same thing every time. That it would take three months for the investigation. Now my credit card bill shows the {$5400.00} plus the {$100.00} transfer fee which I have been paying on the monthly payment of {$54.00}. I asked them to please credit back my account since the error was made by the bank, Capital One and why are they making me pay for their error. 
It sounds like FRAUD because the Rep that took my original call was n't very clear and I do n't remember she reading to me the company disclosures. I do n't understand how I gave them my bank information and the account number and the transfer was sent to a totally different bank and totally different account number that they are refusing to give to me. They are being rude about me calling various time to check on that matter. I do n't know what else to do. They are not returning my money and Im still paying high interest on my original bank which that was the purpose of the balance transfer to begin with plus I have to give them a monthly payment. Im asking for help or please tell me how I can go about this. I really appreciate all the help I can get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage was paid off XX/XX/20 and they have refused to return my escrow account money ( {$7000.00} ). I have repeatedly called and have been stalled and mislead. First they said they had already paid the county ( ~ 2 months early ), my new mortgage lender confirmed that the county had not received payment form the NewRez LLC / dba Shellpoint Mortgage Servicing or their agent. On XX/XX/20 I spoke with XXXX XXXX in the XXXX SC office and she told me I would have the money by XX/XX/20 -- I did not receive it. On XX/XX/20 I spoke with XXXX XXXX and she assured me they would have the balance transformed by ACH, on XX/XX/20 I spoke with XXXX XXXX and she told me that, in fact, the money was not sent through ACH rather, a check had been sent out on XX/XX/20. On XX/XX/20 I spoke with XXXX XXXX ( who said she is not in an office, she is " just a customer service rep '' ) and she told me she was going to void the check and promised me the money would be in my account XX/XX/20. On XX/XX/20 the money had not arrived so I called again and first spoke to " XXXX '' in Michigan and then was transferred to XXXX XXXX in XXXX who told me the money was supposed to be in my account but refused to do a wire transfer. I then sent notes to : XXXX XXXX, President at Shellpoint Mortgage Servicing XXXX XXXX, Executive Vice President at Shellpoint Mortgage Servicing XXXX XXXX, General Counsel at NewRez LLC XXXX XXXX, Senior Vice President Shellpoint Mortgage Servicing Informing them of the situation and sharing that my only recourse is to file a complaint with the CFPB. I have not received any response from any of them. My understanding is that they are obligated to return escrow payments and treatment of escrow account balances in a timely manner under 1024.17 ( k ). It appears that they do not feel a need to abide by this and instead kept the money well past the 20 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Over XXXX worth of unrefunded fraud by XXXX XXXX since XXXX, XXXX XXXX XXXX dollar toll to 2 accounts closure of both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
several inquires on report that are unrecognized, plus they are none account holding inquires thats not from an employee orinsurance. 

Experian business credit XX/XX/XXXX unrecognized inquiry XXXX credit/XXXX select XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXXunrecognized plus none account holding inquiry XXXX XXXXXX/XX/XXXX unrecognized plus none account holding inquiry XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXXXX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX/XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding ive filed several disputes asking for proof of inquiries but only got a response back that they were confirmed

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 2018-01-25
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: Account information incorrect

Complaint:
XXXX XXXX is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when XXXX XXXX got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.

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 2019-05-14
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019I recieved a call from XXXX XXXX XXXX stating that I owed a debt. I requested that they send me verification of the debt in question and they did not. They sen t me a bill instead.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Premium Credit Bureau
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

Premium Credit Bureau- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Lincoln Educational Services Corporation
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm receiving calls, 2-3 per day, by a schools collection department ; which, to this date, has never mailed me a 'Debt Validation Letter ' and is denying me my lawful right to dispute. Starting on XX/XX/2019, throughout the 8 hours prior of this XXXX-XXXX   & indigent man contacting the CFPB ; I have received an average of 2- 3 telephone calls per day, attempting to collect money from me money I do not have and will never have ... ALLEGEDLY in the amount of $ 4,000+ for 12 classes. XXXX XXXX XXXX collection department has never identified themselves ; it was only until today, that they did identify themselves as the Schools debt collection agency. The only way I was actually able to FULLY identify the exact name myself was by running a reverse search on their ( various ) telephone numbers on XXXX. The filing of a lawsuit is currently under serious consideration, as legal counsel has been consulted ... as well as the authorities. In closing, I would also like to note that they have also called my rather ill, elderly mother, for that matter torturing her constantly beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Knight & Hooper, PLLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 I sent XXXX XXXX and XXXX XXXX XXXX XXXX a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX 

On XX/XX/2019, I contacted XXXX XXXX Attorney who is representing them by the name Knight & Hooper. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at Knight and Hooper via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to XXXX XXXX requesting the repossession information that's supposed to be provided to the consumer by law. 

We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at Knight and Hooper who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information. 

They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}. 

This is the second attempt and XXXX XXXX have failed to send me the information requested pertaining to the repossession listed on 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 explanation
Consumer complaint received 2021-12-01
Company: Recovco Mortgage Management, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sprout mortgage took my application charged me for appraisal fee and now I have been chasing them for XXXX months because they will not process the loan and continue to ignore or when they respond they ask new unrelated questions. My other loan has expired causing me thousands of dollars in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier this year, XXXX XXXX and their lawyers Hayt, Hayt, and Landau, LLC filed a suit against a person at my address with the same name as me. 

I called them and we collectively concluded that the social security number and date of birth did not match. They said they would remove the case. 

This week, I received a subpoena stating that I had to pick a payment plan or I would be impressioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been defrauded by Coinbase ... 
On XXXX XXXX 2017 I sent them a {$30000.00} wire which five days later I received an email from them stating that the wire would be reversed because it came from my business account and not my personal account. A week after I still had n't received the wire so I sent an email to Coinbase support team and they took exactly one month to respond! The response basically states that due to high volume of outgoing wires, my wire may have been delayed, however, all backlogged wires have since been sent and they are closing my case! As of today I still have not received the wire ... Its been a month and a half! I am not sure what else to do as there is no one to talk to with their company and ZERO support. I am begging you for your assistance. I want to know I did n't lose my {$30000.00}. Please respond, update me, or reverse the wire already as promised! I NEED this money and I NEED IT ASAP! I want to file a lawsuit but not sure which attorney to contact. If you are aware of a pending class action, please let me know. Thank you CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One CC department and I have had on going issues throughout XX/XX/XXXX to current. With the ability to snoop cell phones, Capital One does have my phone on " tap '' and I don't know by whom. Over the past two months any online purchases/payments that I attempt to make have been rejected forcing me to go to the merchants. According to the " merchant sites '' my card is rejected. 
1st incident is with XXXX XXXX in XX/XX/XXXX when I attempted to make a payment online. Rejected. Forced to drive, using my gas and time in order to complete my payment. 
2nd incident is paying for gas. Rejected at the pump. I used the app, turned on the card. Card rejected again. Called the CS dept. They had to turn it on because the app malfunctioned. XX/XX/XXXX to JXX/XX/XXXX 3rd incident is purchasing my school book for college. Rejected by merchants site, which worked in XX/XX/XXXX, due to billing address is " XXXX XXXX XXXX and I was forced to take off wirk , drive 4 hours from XXXX to XXXX in order to purchase the required materials for college because suddenly my card isn't capable to function. 
I spoke to representatives all day XX/XX/XXXX regarding the issue, accepting their excuse of blame shifting the issue to the merchant. 
And this evening I reviewed my credit report, XXXX, and Capital One Credit Card company 1.  Closed my card account ( by report only ) 2. Made false dispute claims 3. Has the exact same card open status. The closed & open account are the same, and the online transactions are matching with the closed report that was reported to XX/XX/XXXX, which explains the rejected transactions, that 'Capital One ' claims they have no record of, " On their end. '' I'm tired of their games. And I'm not closing my accounts so they can force me to have lower credit scores due to credit history of account length of time. This is a strategic game of Credit Score Manipulation. Length of Time for credit cards are a factor in calculating a credit score. I've trusted the bank over the years until XX/XX/XXXX since I discovered they use the snooping apps to listen in on consumers phones. And since I've confronted these issues, they are retaliating and causing me to lose time, money, hours at work, embarrassing moments with merchants and always forcing me to speak with Customer Service in the XXXX. I always have to Request a Transfer to USA Representatives. Always! 
I'm at a point now where I can fight 100 %. Please help. I've done nothing to deserve this treatment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX unauthorized and should be removed 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