BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a customer of direct who offered me 90 days modification during hurricane Irma. I made XXXX  and XXXX payments on time but the XX/XX/XXXX payment I attempted to pay but their office was closed and their automated system will not accept my payment. I then attempted to schedule a payment on the last day of XX/XX/XXXX however their office was closed again. Their documents states their office is opened on Saturdays however the system stated the office was closed. I called customer service and they stated my modification will be denied since I did not make the XXXX payment on time. They did not offer any more options. What do I do I'm this case??

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: U.S. BANCORP
State: CA
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:
I purchased 1 {$200.00} XXXX gift card ( Card # XXXX ) on XX/XX/16. When I tried to use it for the first time earlier this year, it only had {$2.00} credit left. I had the physical card with me the whole time. It appeared that this card had been fraudulently used. I filed a dispute with U.S. Bank but they only agreed to credit me {$52.00} for 3 charge transactions that were made. They claimed that their system does not keep the records of the other transactions so I am not able to dispute them. As a result, I am out for {$140.00} due to the vulnerability ( to hacking ) and the deficiency of their system.

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 2018-10-07
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings account with First Bank on XX/XX/XXXX in order to take advantage of the XXXX $ promotion they had. They told me that I would see the credit aplied with in 60 days of opening the account ; however, the credit was not aplied. I check my bank account two to three times a week to make sure that everything is running smoothly but have not seen the credit applied once. Today I decided to call and check when I would be seeing the credit but was told that it was posted on XX/XX/XXXX. See it in the bank statement but i know for a fact that it was not made available to me as Ive been constantly checking my account and it has not reflected the deposit. Now that I want to go back to the deposits and withdrawals that Ive made online and in the app it says that the details for XX/XX/XXXX-XX/XX/XXXX are no longer available and the statements are the only place to see the deposit?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: John C. Heath, Attorney at Law, PLLC
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX called me and made it clear that I was not going to have any money taken out of my act until the end of the next week. I have called numerous times and I have been hung up on and the phone representatives were very misleading. I am in non financial condition to throw money at this company. I wanted to look into repairing my credit not getting it ripped apart by some scammers. XX/XX/XXXX I was texted info and it stated I was to receive email from the company. Each text was from a different number. One being a area code. From SD. The amt was in the XXXX range and subsequent payments to follow. Please help me with this situation. I am in debted to you and the staff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2018-05-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello I XXXX XXXX XXXX transferred virtual currency ethereum ( {$2000.00} worth ) into Coinbase wallet on the XX/XX/XXXX in order to sell for US fiat dollars and was told that I owe an amount of {$390.00}. I then proceeded to try to pay for the fee with my virtual currency which I was told I was able to do, and was not able to via the website and/or mobile app. Contacted Coinbase and was told that they will put in a support ticket which this is my reference number # XXXX. I was told by the employee at Coinbase that they would contact me via email by the end of the night, if not the following morning but no longer than 48 hours. We are now on the 5th day. I've contacted them two other times from the last 2 days from the date of today on XX/XX/XXXX with no help. I just want to pay what I owe which I have the amount available to pay in the Coinbase account that way I can complete my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter on XX/XX/XXXX from XXXX ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from GE Capital Retail Bank. XXXX  informed me that the credit card from which this debt occurred was created in XX/XX/XXXXand that XXXX   purchased the debt in XX/XX/XXXX. I never opened a credit card with GE Capital nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since XXXX made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the GE Capital Retail Bank Account Number is : XXXX And the XXXX Account Number is : XXXX Thanks very much for your time and help ; 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 non-monetary relief
Consumer complaint received 2018-10-07
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Company did not update account as " disputed '' within the required length of time, which is required by law. See attached information.

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 2018-03-12
Company: Colony Brands, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company called XXXX XXXX listed on my XXXX  credit report as a collection account but I have never received any documentation and I have tried calling the number and i can not understand the people answering the phone, tried to explain that the debt is not mine and they got nasty, so i hung up. It does not list the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Experian Information Solutions Inc.
State: WI
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 malied in list of disputes ffrom false and inaacurate information listed on my Experian Credit report. I did not recieve a response within 30 days of Experian recieving my disputes and still have not recieved any update. In addition the items listed on my Experian Credit report are inaccurate and negatively affecting my abilty to obtain credit.

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 2018-10-07
Company: EQUIFAX, 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:
XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. 

Both XXXX and Equifax have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Equifax, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : *99 % On-Time Payments.

*26 year old credit history line.

*30 % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CITIZENS FINANCIAL GROUP, 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:
Citizen Bank - XX/XX/18 Fraudulent loan attempt. 

Contacted company informed to contact XXXX, XXXX, XXXX Loan request was not submitted by me. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter on XXXX from MCM ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from XXXX XXXX XXXX XXXX. MCM informed me that the credit card from which this debt occurred was created in XXXX and that MCM purchased the debt in XXXX. I never opened a credit card with XXXX XXXX nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since MCM made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the XXXX XXXX XXXX XXXX Account Number is :  XXXX And the MCM Account Number is : XXXX Thanks very much for your time and help ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: EQUIFAX, 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:
XXXX, XXXX A XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company furnished my consumer credit report with false information regarding a debt that I do not owe. 

They failed to notify me of any actions or communications against me prior. Illegally attempting to collect debt. 

They have failed to verify any debts belonging to me and have failed to show evidence of any contract enter into by me. I never signed any contract with this company.

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 2018-07-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was through XXXX XXXX. It was bought by XXXX. Then it was bought by XXXX XXXX. Now I receive a letter saying it was sold to PennyMac, BUT the terms are not being honored. I had automatic payments through XXXX, XXXX   and XXXX XXXX. This covered my Principle, Interest, Insurance and Property Taxes. PennyMac says they will not take care of that in this letter. XXXX XXXX NEVER said they were selling my loan. In this day and age of fraud and corruption no one needs this from finance companies.

When mortgage companies assume a mortgage are they not supposed to honor the terms and rates of the loan, especially a VA LOAN!? If it's not a law WHY DON'T WE MAKE IT ONE!

My mortgage is not a Grifter 's game for banks to play with. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued a XXXX XXXX debit card with Bank of America to reimburse my loss of benefits from ssa. I have received the card, and can not activate it. Bank of America told me that The XXXX XXXX gave them the wrong information to activate the card. I have submitted the correct information to both Bank of America and The XXXX XXXX, as well as gone to Bank of America branches to try to activate my card, but I am having no luck. I still can not activate the card. Please resolve this issue thank 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 explanation
Consumer complaint received 2020-07-25
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The product they sent did not meet my expectations and the item was returned even though they never responded to my request on instructions on RMA ( Return Merchandise Authorization ). I have made several attempts to cancel and no one was able to respond to my inquires. ( Please see attached ). This needs to be deleted from my credit report immediately as it has affected my score and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
1. These transactions into Coinbase company were part of a cryptocurrency scam.

2. After several days investigation, there are plenty and verifiable evidence along with other victims indicating this is a cryptocurrency scam and fraud. The website has showed the fraudulent activities. XXXX XXXX XXXX XXXX XXXX. I tracked the downstream wallet, which was report many times for fraud, and Coinbase ignored the problems and they didnt do anything to investigate or close the fraud wallet.

4. Coinbase has a big loophole that makes it easy for the scammers to do money laundering and allows scam site to launder funds to their platform. Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening.

Company response to consumer: Closed with explanation