BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made 2 large wire transfers to Coinbase Pro in early XX/XX/2021. Coinbase accepted my transfers, then 2-3 days later froze my account. I am unable to access or withdraw my funds. 

I made a formal complaint thru Coinbase Complaint email on XX/XX/XXXX, but after several emails asking me to wait longer for their " decision '', I am still unable to access my funds, or withdraw my funds- which are in excess of {$40000.00}. 

I contacted coinbase support several times over the course of 25 days, with no answer as to why my account was frozen, how I could recover my funds or how long they would take to give me an answer. 

Now, any email I send to them simply sends back an automated email saying " Sorry, this support/complaint ticket has been closed, please open a new ticket ... '' They are holding my funds with no clear path or date for resolution of whatever issue they are having.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted paperwork to Equifax, XXXX, and XXXX on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Modern Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Case opened XX/XX/2015. 
Modern adjustment bereu. 
They are collecting for XXXX XXXX. 
For {$2200.00}. 
I have called XXXX and asked about this collection. 
They told me that i have lived at their apartment as a sub leaser. 
XXXX girl was the leaser and i sub leased from her. First of all i never lived there and why am i getting charged if im not the leaser. I really dont get it. This is not me and they should put that XXXX girl on collection. Please dispute this case asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
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:
Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2021-11-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage po box XXXX Mt. XXXX NJ XXXX ; XXXX ; Fax XXXX ; www.MortgageQuestions.com AN : XXXX took over from Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX ; XXXX & added more money to my balance this falsifying records. After filing several complaints with your office because XXXX credited the first ( XXXX ) waiver on XX/XX/XXXX but failed to credit my account correctly the {$58000.00} each twice ( 2x on XX/XX/XXXX & XXXX {$110000.00} ). According to the loan modification agreement ( See Ocwen letter dated XX/XX/XXXX, The amount of the Home Affordable Modification Program ( HAMP ) Tier 2 on XX/XX/XXXX, the new unpaid principal balance was {$240000.00} & {$170000.00} was the Deferred Principal balance which at the end I would have a balance of {$66000.00} in XXXX. I was never given the credit. After talking with several representatives namely XXXX, XXXX ID : XXXX & filing a complaint with XXXX XXXX on XX/XX/XXXX, the records was supposedly corrected. It took many hours on the phone & years to get the credit after providing proof of all on time payments from XXXX XXXX  ( See statements XXXX ) Now PHH Mortgage went back to the original Loan from XXXX to {$350000.00} without regards for the 1st Loan Modification from XXXX XXXX XXXX and the 2nd Lian Modification from Ocwen Loan Servicing LLC. Im demanding justice & restitution fir all the stress, anxiety & aggravations. In addition overcharging for late fees before the XXXX of the month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My unemployment checks were deposited to my Mother 's checking account at BBVA ( now PNC Bank ) for 10 months. I was never able to get to the bank with my mother to add me to the account, so I was not on the account. in XXXX of XX/XX/2021 the bank flagged the deposits and froze my Mothers account. That was understandable, I was not a signer on the account so my money should not have gone into her account. Lesson learned. 
We waited a few months expecting to get the closing balance but it never came. My Mom sat on hold every day on her lunch break for months trying to reach their Enterprise Fraud Department to get some answers as to what we should do. There were a few occasions she actually sat on hold for over 2 hours and spoke to a person who had no idea what was going on, a few CS Reps told her that they had mailed a check to her for the balance, another said the money was sent back to the Unemployment department, one told her she was lying as they claimed she had withdrawn the money herself. 
The date is XX/XX/2021, and still, they are giving her the runaround. Recently, My Mom was contacted ( after filing a complaint herself with CFPB ) by XXXX XXXX from PNC 's " Client Relations '' to figure this out. Well, fast forward a little more than 3 weeks and still, nothing has been done save for a few one-line replies to emails informing My Mother `` We are still researching this concern ''.

I mean what is the problem? Is there anyone who actually accounts for the money these people are for all intents and purposes, stealing from people? It's beyond ridiculous and should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Convergent Resources, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing is the collection agency that has reported an account on my credit reports, original account owner is XXXX. This debt has been paid and I want it removed from my reports immediately. I have tried asking them and they refuse. The account number is 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 2023-06-22
Company: W&A Intermediate Co., LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My report have my social number incorrect and my name, address is incorrect as well. And it constantly putting my credit in a bad position when the information isnt correct. 

Trying to get money out of me when the account of been sold thru a 3rd party and they constantly hitting my credit report when they dont suppose to.They cant identify my original account etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
? this incident was recently appointed to me 2 days ago .... i created a paypal account .... it automatically stated a rare activity that was recent from my other account i didnt know i had! you see transactions have been made and performed this month and last month with my name on a credit card or debit card im not to sure whats going on but i do know theres another account associated with my name my birthdate my social security number and there are doing unathorized transactions underneath my identity! i had told paypal to delete my current account and they supposed did but i had said why dont you delete every account with my social security and what not but since they cant spot out the true identifier of the account .. so idk any comments?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: CT
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:
I am writing you because the investigation process regarding some accounts that were fraudulently opened are still being reported as accurate and verified which is not true. I have over the years sent in a police report, drivers license, ss card to prove the these accounts were fraud but yet they are still on my credit report. 

XXXX XXXX XXXX account is fraud account- XXXX amt reported XXXX opened XX/XX/XXXX dob is wrong but my name and ss was used XXXX XXXX  XXXX opened XX/XX/XXXX amt XXXX. The name on the card is XXXX XXXX name is XXXX XXXX and also dob is different. 


XXXX XXXX opened XX/XX/XXXX amt XXXX. The address was the card was sent to was XXXX XXXX XXXX in XXXX XXXX. I reside at XXXX XXXX XXXX. A different conflicting personal information was used to open account. 

XXXX account was opened XX/XX/XXXX amt {$6900.00}. This account was opened at a different address using different date of birth. My name and social was used They have not removed the alias names used during fraud XXXX XXXX and XXXX XXXX. Always fraud addresses XXXX XXXX XXXX XXXX XXXX CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY

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 2023-06-22
Company: TrueAccord Corp.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
True accord texted me over a debt at XXXXXXXX XXXX. Waking myself and family

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 2023-06-22
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My understanding is that when a company purchases a loan from another loan company, a borrower has a XXXX day grace period during which the borrower can not be charged any penalty or late fees due to late payment. Roundpoint Mortgage during their purchase of my loan also transferred the automated payment details from XXXX XXXX without any agreement by me. I was not given the ability to opt-out, nor did I approve Roundpoint 's processing of my automated payments. 

Additional details : Roundpoint Mortgage Servicing LLC NMLS ID 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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im disappointed! I already tryied to fix my credit history and I send few times of complaints to you. These accounts not belong to me I think that someone have my personal 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 non-monetary relief
Consumer complaint received 2015-04-24
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Your office completed an ivestigation on this matter and the compnay stopped collecting the debt but they still have not removed it from all XXXX credit bureau 's. 
ERC for XXXX XXXX is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an account with cashapp and on XX/XX/2023 around XXXX I woke up to a text that a transaction had been made in XXXX XXXX XXXX  at a gas station called XXXX XXXX. I live in XXXXXXXX XXXX XXXX  and had not traveled anywhere recently. I disputed the charge and provided statements from another bank account showing that day transactions were made in XXXX and I was not in XXXX at all. They have denied my dispute multiple times and magically when I complained about them not assisting with the dispute they closed my account without notice. I still have not gotten back the 88 dollars from this clearly fraudulent transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS ARE LISTED ON MY CONSUMER REPORTS AND I DID NOT AUTHORIZE OR SIGNED ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Remitly, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have sent some money to my mom on Friday XX/XX/2021. The company REMITLY, INDICATE TO MY THAT THE MONEY WILL BE READY AND THAT IT WAS READY SAME DAY FRIDAY XX/XX/2021. When my mom went to the place where she where supposed to receive the money. They indicate to her that the transaction was not ready and that she will have to come back. Today XX/XX/2021. My mom is trying to collect the money and now the place where she is trying to collect the money indicate that the money is being paid already. My mom never receive any money yet. I have contacted REMITLY who is the company that I used to send the money. They say that it will take up to 2 days or more to solve the issue, my mom is old and she need my support. I am the only one supporting her. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/2020, I used my Capital One credit card to purchase a trading software from a company called XXXX for {$430.00}. The software never worked! 
Capital One is responsible to help me protect my purchases when I purchase defective items as per law but they are NOT protecting my purchase at all and have left the charge on my account! I don't understand how they can do that since that is the very reason I used the card to make my purchase! I believe the law says that if you use a credit card for anything and it does not work, the customer is not at fault. 
I called Capital One but they don't care at all. 
Can someone please help me and make them follow the law? 

Thank you so much! 
XXXX XXXX XXXX ( Please see attached proofs )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Said I have 3 months to stay or go and they said the government will help me with the payments I was there for 2 months and I had to drop out due to daycare which they also said I will be helped with also on my credit report I have debris disputes about the same account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have taken the time to inform each company that I did not provide anyone my consent to open these accounts and for sure not report them on my personal reports.it has been over 90 days since I asked for these unverified items to be deleted. Personally this is causing hardship and my rights are being violated to the fullest and being ignored is not ok! Please delete these items now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent them a debt validation letter. Did not receive any information to confirm debt is owed to them ( I am 100 % certain I do not owe this company ). Instead of validating it they put it on my credit report.

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 2020-07-21
Company: First Federal Credit Control, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I Contacted this company to ask them about the debt I seen on my credit report that I knew I did not owe, since I had XXXX on the service date of XX/XX/2020. The Original debt was from XXXX XXXX XXXX  XXXX XXXX. 
When I contacted FIRST FEDERAL CREDIT CONTROL INC, They hung up on me when I tried to explain to them That I have Insurance and that this should not be on my credit report. When I called back and talked to another person they threatened to sue me for this debt I do not owe. I would like fraudulent debt removed from my credit report. I also tried to give them my XXXX number as well. 
Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Mercedes Benz Financial Services
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX loan XXXX They charge me XXXX late fee with in my grace period 10 days due dateXXXX  every month i made payment for month of XXXX XXXX the XXXX with in grace period and they wouldn't give me refund XXXX

Company response to consumer: Closed with explanation