BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: EOS Holdings, Inc.
State: WA
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:
On XX/XX/2018, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was victim of fraud and I have a Bankruptcy on my three credit reports ( Equifax, XXXX, XXXX ) that I never authorized. The lawyer scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in BK ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Bought 2 items and mistakenly used PayPal Credit, which I really didnt know I had. I got bill, & paid with my credit card on XX/XX/2020. I got a second bill stating Online Payment Thank You. It showed payment of {$31.00}. Right below that, it showed a - {$31.00}. I thought they made an error and used the - instead of the +. I kept getting bills charging late fees. I called & was told my card did not go through, & I owed the total bill around {$200.00} now. I sent them a check for the original {$31.00} after checking my credit card. The card had been hacked, & we had to cancel the card I used, & got a new card. Not sure if that happened XX/XX/XXXX or not. PayPal credit never sent me a notice that the card payment didnt go through, & I never got any notice from my bank. Things just got all mixed up. I dont feel I owe all the late fees under the circumstances.

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 2018-10-05
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, i submitted a request to have my escrow account removed. on XX/XX/2018, my servicer, Home Point Financial sent me a secure email stating that my account met all the qualification to have the escrows removed and to allow 30 days to process. which would be at the end of XXXX. I called them XX/XX/XXXX and the CR told me that the request would be escalated to a supervisor and to call back Friday, XX/XX/XXXX. I call them back today, now they are stating that I have to resubmit my request because my 24th payment was processed in XXXX, which no one at this company told me. I spoke to the Compliance department back in XXXX about this and they told me that after my XXXX payment I can request the escrow removed. 

I followed their directions and all this company has done is give inaccurate and misleading information. They have not provide me with any assistance or response, other than that I have to resubmit my request. They lied about their own process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: CL Holdings LLC
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took a loan out with XXXX XXXX in the amount of {$35000.00} in 2009. Since then I move back home and was unable to finish my degree due to Finacial hardship. I spoke with XXXX XXXX on multiple occasion on getting my payment lowered which was declined. I spoke to a lawyer which also called and tried to negotiate with this company however they would not budge. I was unable to make the loan payment and they wrote it off into a collection agency to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is reporting the same XXXX account debt twice and after numerous attempts to have one of the duplicate debts removed they refuse saying that the accounts are accurate but, they are duplicate accounts with the same company they refuse to remove 1 of the accounts which is a duplicate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: Pintor Partners, LP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi I've been working for a XXXX XXXX company for one year and a half For XXXX XXXX, I can't make a XXXX XXXX for a person that is sending on behalf of another one that does not have an ID. Example : XXXX wants to send money to his wife XXXX, from USA to XXXX, but he doesn't have an ID, so he can't do the XXXX XXXX I want to know 2 things : 1- Can the owner of the store XXXX send money on a Customer 's account if he's not present, with his consent? 
2- Can the oner of the store create an account to send money to XXXX , with XXXX XXXX money? 

I have these doubts so I contacted you for an answer. 
Please mail me the answer to " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly tried to fix this problem and ask for verification, which I have not received.

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 2020-09-09
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Dear Coinbase, Yes, you responded to my complaint filed with the CFPB # XXXX but what you said is not accurate. To the point, I have responded to you at your help support page at least 20 times now and I never get a response from you. You say your response is listed as case # XXXX but on your page there is no way to access that case. You have no live person to call to help me regain access to my account which given your standing in the crypto field is out of line with the normal way of doing biz, wouldn't you agree> So will you provide me with a number for you to call so that I may speak with a real person about this, regaining access to my account since nothing else is working?

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

Complaint:
I 've been charged {$10.00} from XXXX, XXXX, and Experian on XXXX XXXX 2017 to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.

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 2022-10-07
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
No actions have been taken. I have been an employee for 21 years, I am being charged for my checking and savings account. I have been charged an {$8.00} fee for at least 20 years on both accounts. I started uploading docs but it is just too much. Please review your records.

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 2018-07-31
Company: Experian Information Solutions Inc.
State: GA
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:
I believe I am a victim of identity theft. I placed a Fraud Alert on my credit reports this morning ( XX/XX/2018 ) and I filed an FTC Report on the same day as well. Together with my supporting documents such as Drivers License, SSN Card, Utility Billing and FTC Report, I was trying to send EXPERIAN a letter requesting them to block fraudulent items on my report. I tried faxing them the documents but the fax always returns " Failed to send ''. I tried doing this 3 times today and I get the same frustrating result. 

I called their Fraud Department and ask for the right fax number and they say THEY DON'T HAVE A FAX LINE. They ask me to go to their online portal to upload the documents. I went to the page, input all the vital information they required and uploaded the documents I wanted to send but the portal returned " WE'RE CURRENTLY UNABLE TO UPLOAD YOUR DOCUMENTS ''. I checked all the files I uploaded, they are within the right file size and format. So I tried doing it on a different browser, XXXX XXXX, but still FAILED. I tried it on XXXX XXXX and still FAILED. It's really frustrating to work with EXPERIAN. I called the Fraud Department again and notified them that their ONLINE UPLOAD PORTAL IS NOT WORKING. They are insisting that I mail them the documents which is really expensive and will take 30 days for them to respond to. 

I am trying to take action on a case of IDENTITY THEFT and I don't feel Experian understands the urgency of somebody in this situation. Why won't they have a working Fax Line and why is their supposedly " easy '' online upload portal is not working for everybody??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency.

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2020 Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX , MO XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX EQUIFAX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received various calls all days of the week and at different times from Midland Credit Management. Using various numbers : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I do not know what this is in reference to, they never leave a voicemail or any other message. If this was in reference to any payment owed to anyone I should have received correspondence of some sort by at least the beginning of XXXX since the first call was placed on XX/XX/XXXX. I checky credit every month and see nothing owed to anyone from this company not have I ever been issued any credit or other monies from this company. I would like this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Union Home Mortgage Corp
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan Servicer ( Union Home Mortgage Corp ) paid my former and terminated previous homeowners insurance company ( XXXX ) with a payment XXXX requested a year after service has been terminated with them. I had refinanced my mortgage back in XX/XX/2020 and changed homeowners insurance to XXXX XXXX. Therefore my current homeowners insurance carrier ( XXXX XXXX ) was not paid and sent me a " Important Expiration Notice '' effect XXXX. I currently do not have any homeowners insurance coverage or proof of coverage as a result. 

I addressed this immediately upon receipt of my mail on XXXX by phone calls to my current homeowners insurance company, Loan Servicer and provided copies of all documents. 

One week later and the Loan Servicer is requiring me to request a Refund from my former Homeowners Insurance Company. 

As a courtesy I have provided copies, emails and phone calls to my former homeowners insurance carrier ( XXXX ) and current homeowner insurance carrier ( 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 explanation
Consumer complaint received 2018-03-09
Company: JPMORGAN CHASE & CO.
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:
please see upload, chase is reporting debt to be over by {$850.00} to XXXX XXXX and XXXX on 2 of its credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Prosper Marketplace, Inc.
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/XXXX, I took a loan from Prosper Marketplace , Inc . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XXXX - XX/XX/XXXX, Prosper reported my account as current. I believe Prosper did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and XXXX. Prosper confirmed their information to the bureaus. My credit reports have not been updated.

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 2022-10-26
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Loan application for HELOC applied for in XX/XX/2022. XXXX signed and funded on XX/XX/2022 at the XXXX XXXX branch office. Same day where I opened checking account and savings account with PNC Bank at the branch where I signed loan documents. Deposit accounts which were opened on XX/XX/2022 were closed on XXXX without clarification. Now PNC bank is wanting to change interest rate from XXXX to XXXX because they state an active PNC Bank account must be used for automatic ACH Payments. PNC bank will lend me hundreds of thousands dollars but will not allow me to maintain a checking or savings account where I can deposit the funds to have my payments automatically drafted from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello : I made a charge with my Chase credit card and cancelled the transaction on the same day. I have the cancellation of the transaction from the vendor. However the charge is reflected on my credit card statement and the vendor and Chase are not removing the charge from my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This reported debt has been removed from my credit report numerous times as it has been found to not be my account. This company must have purchased the debt again and are refusing to provide me proof that this debt is mine. I have never been to this medical facility. I have disputed this through the credit bureaus but they have failed to provide me that proof and only list it as verified. This account is not mine and I have no contract with debt recovery solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/X/2017, I wired {$5000.00} from my bank to Coinbase/XXXX to have the money credited to my account. As of today, the money has still not been posted and the company has been non-responsive after multiple attempts. 

The XXXX for the wire transfer is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was fraudulently contracted into a credit card with capital one thinking that I could better my credit situation but that was a mistake, they tell me to send my complaint in writing but still to no avail. I am trying to get a 20K-50K credit limit and they have only approved ONE increase since 2014 with no further information - this is not relationship banking Letter of Denial for Credit Limit Increase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Universal Recovery Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 I called Universal Recovery and spoke with a representative that was very disrespectful to me even called me " waist of time ". They refuse to help with me and said they don't do pay for deletion it company policy. The supervisor confirmed they don't have proof of the debt. I feel this should be taken off my credit report since they cant prove what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute

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