BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
During the first week of XXXX my husband and I began application to refinance our home. On XX/XX/XXXX the title company found that there was a lien attached to our home. We did not know of this lien until XX/XX/XXXX. XXXX had sold the loan to the Moore Law Group in XXXX XXXX California. Moore Law group filed a lien on our home XX/XX/XXXX. My husband and I filed for bankruptcy on XX/XX/XXXX. When we looked over the paperwork regarding bankruptcy the Moore Law Group was included along with XXXX and XXXX. We began phone calls to XXXX on the XXXX they gave us to the Moore Law Group who told us they sold it to XXXX XXXX  XXXX. We phoned the number they gave us and they were no longer in business. We phoned XXXX once again. After many transfers and I had to repeat my social security number to the same person 5 times I became very skeptical. They told us we would have to use mail as there were no email or fax machines. We told them we were applying for a loan and dont have that amount of time. On Tuesday XX/XX/XXXX we began again with XXXX and after many transfers from XXXX to XXXX then back again to XXXX we reached a XXXX!! She said she would contact the Moore Law Group for a XXXX demand letter, she said she saw our bankruptcy and there was XXXX balance. On XXXX XXXX we contacted the Moore Law Group for XXXX demand and received a notice that we owed XXXX then they would release the lien. On Friday XX/XX/XXXX I emailed a settlement request for XXXX. For them to remove the lien.

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 2020-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
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:
The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back -- Or, the response is that my information does not match the information in their system, which is untrue. 
-- -- -- -- -- -- -- -- -- - The above information is the information I receive when I attempt to login to My XXXX account. 

I filed a dispute with XXXX initially in XX/XX/2020. When I. noticed the Portfolio Recovery remained on my credit report even without supportive data for its existence, I filled a dispute again. The reporting agency restricted my access to its website. When I've called I am routed to representatives who reroute my calls, then I'm hung up on. 

The fraudulent account of Portfolio Recovery still remains on my report even without any documentation and changing dates for the start of the account. XXXX  and XXXX have both remove the erroneous report, but XXXX will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Kansas Counselors, Inc.
State: MO
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:
Take a look at this info : It was already deleted by XXXX at one point and I still have an account with them which is and has been in deferment! Please delete late and stop holding me as a consumer back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent a wire transfer of {$27000.00} on XX/XX/XXXX, to Coinbase/XXXX. As of XX/XX/XXXX, it has still not been credited to my Coinbase/XXXX account and it has also not been refunded to my bank account. 

I filed a ticket with my bank ( XXXX ) on XX/XX/XXXX to have the wire recalled. Since that date XXXX has sent more than 20 messages to Coinbase 's bank and none of them have received a reply. 

I have also filed online tickets with Coinbase 's support ( case ID : XXXX ). After waiting several weeks, these inquiries have all received a form-letter response, after which my support ticket was closed. I have re-opened the ticket requesting more information, but have received no response. 

According the form letter, my wire was apparently rejected. The form letter says that all rejected wires " will be returned to the originating account after several business days ''. 

It has been more than 1 month since my the wire was sent, and there is still no sign of the funds being returned to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I owed this debt a long time ago -- My name is XXXX XXXX I started this XXXX must of paid a few months the car broke down after I passed it on to someone else to take over payments the car broke down on him the car broke down completely was not able to be fixed so the car was re-possessed and it was sold at auction -- for whatever it was worth -- I am not able to pay for a car I don't have and I'm not going to be able to drive this was since right after XXXX must have been XXXX so this Santander is selling this debt to other companies to try to collect that have called me before- and everytime they try to collect they show up on my credit report now it shows up as a brand new bill as of XXXX it is not a new bill so everytime a new bill collector gets it I get so many points off on my credit score but it is the same bill-I don't think that is correct that the same collector every year or maybe half a year shall be taking points off my credit score just because one doesn't collect so they pass it on to someone else -- do you -- so more points comes off my report??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for Netcredit in XX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. 

Netcredit sold the loan to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of Netcredit derogatory payments. 

I also reached out to XXXX XXXX XXXX and explained that a Police Report was already filed in XX/XX/XXXX and that I provided the report to all three major credit bureaus as well. 

I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report inXX/XX/XXXX. 

The issue at hand is that Netcredit keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I locked my self out of coinbase on XX/XX/XXXX while on XXXX I withdraw my money for total XXXX with coinbase and everytime I am submitting my photo to get a new password coinbase refuses to let me in my account ... .I withdrew my money out on XXXX and coinbase is refusing to give me my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a bill from XXXX XXXX XXXX XXXX and internet service, I moved to the address listed in XXXX XXXX My price for cable, internet and XXXX channel was {$12000.00} monthly. The sales rep lied and said my service would be available in three days after I moved in. It took two weeks before my service was available. Then when the person who installed the cable did not have the order to put in my channels. When I called to let them know what was going on. XXXX XXXX XXXX  tried to charge me a higher amount for the XXXX channel. When I complained XXXX XXXX XXXX said we will give you XXXX free for a month for their mistake, This was a bait and switch. XXXX XXXX XXXX  quoted one price and tried to charge another. 

At the end of XX/XX/2019 my price changed, I called customer service and they changed it to the correct amount again, This went on for three months, I paid my final bill canceled my service. This bill was paid in full and if this on any credit report I want it removed. My last bill was paid over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Credit Union automatically has enrolled me into a " PREMIUM CHECKING ACCOUNT '' In which they would charge me a fee of {$6.00} a month which yearly would equal out to {$72.00} ... you can " opt-out '' but i should have had the option to " opt-in '' to begin in the first place versus having to call and wait on hold for lord knows how long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon Checking my Credit report in order to purchase a house I was informed that I had an inaccurate bankruptcy on my report. The reporting agency that is reporting this error in information is Trans Union. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. Also by law, it is stated by the courthouse that information from their record is never shared publically or to outside vendors so that further shows the incorrect information that has strangely been added to my report by a questionable unknown source.

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 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I overpaid my credit card bill back in XXXX and they owe me about {$5200.00}. I called the bank and they even confirmed that they owe me the money, but told me it's the credit card company that has to fix it. So called them and they told me the bank is supposed to be the ones to give me my money. I even heard it'll fix itself in a month, this has been going on for 3 months now and I don't have it. No letter in the mail or anything.

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 2020-10-15
Company: Experian Information Solutions Inc.
State: NC
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 dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX a

nd they said my ac count was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile. I reached out to the XXXX, XXXX, and Experian to inform the m of dispute and
inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All three bureaus  failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile.

P.S.

All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

Sincerely XXXX XXXX Address : XXXX XXXX XXXX   XXXX, NC XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MO
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:
This complaint is against the credit reporting bureaus XXXX and Equifax. I only have two open accounts which I have been progressively paying off all of my outstanding debt and have been receiving either no score change, too sharp of a decline in score, or too little of an increase in score. I have attached evidence obtained from XXXX XXXX to support my claim. In particular, there has been one recent instance with Equifax, whereby my open credit card account balance was duplicated on my report, such that it appeared that I had XXXX XXXX XXXX  accounts when I only have one open account, and when Equifax finally removed the account from my report, I received a decrease in credit score. Throughout this year dating back to XX/XX/2021, the credit bureaus have either chosen to not administer a change in score, administered a score of only +1 or +2 pts, or rushed to administer a decrease in score that does not match the change in activity that is supposed to be the basis for the score change. I am hereby asking the CFPB to step in and confirm that my credit reports are being legitimately composed and updated by the credit bureaus XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a XXXX XXXX legally residing and working in the XXXX. Each month I send money from the XXXX to my father in the United States to pay for my health insurance coverage. Funds are always sent via MoneyGram and, when sending, I am required to present both my US Passport and XXXX XXXX XXXX XXXX XXXX of Registration ID card as verification of identity. My father also has to present identification documents when picking up these funds. There has never been an issue with a money transfer until now. 

On XX/XX/2021 I initiated a MoneyGram International Money Transfer through XXXX XXXX a MoneyGram Authorized Agent at XXXX XXXX in XXXX XXXX, XXXX for pickup in XXXX XXXX XXXX, Texas, United States. The transaction was accepted and receipts were provided, along with a reference number. However, once my father attempted to pick up the funds, he was informed that additional information was needed and was referred to the sender for additional information. 

On XX/XX/2021 I contacted MoneyGram and was informed that my transaction was blocked due to " the destination country being classified as high risk due to numerous fraud reports being made. '' No additional information was provided. I was informed that a refund would be issued and no further assistance would be available.

I have since attempted to pick up the funds which MoneyGram claimed was available for a refund to no avail. I have also attempted to contact MoneyGram and they refuse to provide any additional information pertaining to this situation.

Respectfully, I request intervention from the CFPB as I believe MoneyGram failed to deliver on a legal money transfer order. Documentation for this transaction and all transactions I have made through MoneyGram can be provided to establish the legitimacy of the transactions. Further, I request that my transaction be sent to its intended recipient without further delay, or that a refund and compensation for my inconvenience be made available to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: PA
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 credit Open XX/XX/XXXX Amount XXXX Account was deleted from credit report XX/XX/XXXX and then added back onto credit report a year later after it was deleted

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 2020-08-29
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident at XXXX XXXX XXXXXXXX in XXXX, Florida. After many attempts ( months ) to have the gates of the complex closed because of a home invasion in the apartment near me, As a single woman, I no longer felt safe and I gave my notice that I was moving. I paid for a gated community because of safety. For months the gates remained open. Once the shooting occurred, I contacted the property 2-3 times a week. I left my new address for follow up on my deposits. I received the attached and immediately responded in writing that the amount they were trying to collect was not valid and actually made no sense. I requested for them to review the payment information that had been made and provide an actually true account of the amount they were trying to collect. This request is also attached. I never heard back from this company. Then I see that a collection agency is on my credit report. I disputed several times.  XXXX XXXX came back as verified. I contacted the collection company and asked why I received no response from the original creditor and once again stated the debt is not valid. I also let them know that what they were doing was against the FCRA. They told me to pay the amount and it would be removed. I don't feel this is right. That debt is not valid. They ignored my request in writing. Now, I need to find an apartment, and I am getting denied based on this false account.

Company response to consumer: Closed with explanation