BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: LA
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 disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXX/XXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.

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 2015-06-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
HiIn 2013 I filled a complaint against GMAC Mortgage, regarding the national mortgage settlement. I explained that this loan should qualify for the national mortgage settlement. GMAC respond was that it does not. 
I have proof that this loan should have qualified for the national mortgage settlement and GMAC should honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NJ
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:
See document attached

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 2023-06-05
Company: Experian Information Solutions 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:
In Response of the medical collection agency I have provided proof that I wrote concerning the account over a year ago not only is not mine but its been reported in the past as XXXX XXXX XXXX XXXX and Now today showing as XXXX XXXX XXXX trying recollect as a New DEBT collection. This again shows and expresses that this company has resold this Debt collection Claim to another collection agency to try to Recollect a debt and also Negatively Report to my consumer account after it once been removed.

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 2017-06-22
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX XXXX, XXXX I was trading on XXXX ( XXXX ), a regulated US based crypto currency exchange platform. I was margin trading Ethereum/USD at the moment. Then there 's a huge price slippage happened and bring the price all the way down from $ 310+ to {$.00} in a matter of seconds, this slippage caused hundreds of margin order liquidations and sold my total ether holding as well as my wife 's on the exchange ( around 2100 total eth ) at {$.00} dollar per ether. The price then recovered right back to where it were $ 300+ quickly. I suspected that this is a huge market manipulation as well as some major technical issues on XXXX 's end. Other crypto exchanges did not experience this price crash during the time. Additionally, during the time the price was crashing, majority XXXX users were unable to login including me, in order to minimize our losses. Currently based on their XXXX feed, their VP claimed that their trading engine was working properly and no wrong doing. This is not acceptable and hundreds of ( if not thousands of ) users were affected. XXXX XXXX XXXX statement : XXXX : XXXX Offical XXXX forum affected users posts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a short sale approved since XX/XX/2019. We gave complete all paperwork and follow the instructions of the servicer SPS. They advised us that the XXXX came in at XXXX and we need to net 80 % of the value. We did this and the net was XXXX. We got this with a XXXX purchase price. The servicers came back and said the price was too low. This would have been our third offer, so we have asked them to give us a counteroffer and they constantly say they can not provide this to us. We have been going round and round. If you can please assist us with getting a counteroffer so we can please get this short sale approved and closed. The investor on the property is XXXX XXXX XXXX XXXX, as indenture trustee. Attention : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi I opened citizens bank checking account with promotion bonus $XXXX  have met the requirementsbut never get the $XXXX  bonus.
citizens bank website www.citizensbank.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2023-07-17
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Mr. Cooper I am writing this letter to explain my unfortunate set of circumstances that have caused me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately, I have fallen short and like you to consider working with me to make this appeal a reality. 

Around XX/XX/XXXX I called Mr. Cooper call center to make a payment, the young lady at the call center stated that she could sign me up for the XXXX COVID 19 Forbearance Plan and this would delay me from making payments for three months, and she stated that she could accomplish this over the phone, and that I was approved. 

This action was very wrong, and this put me Three Months behind. 

After making payments and seeing the wrong amount on the statements, I called Mr. Cooper and the call taker stated what the other call taker did was very wrong. She then got me started on the correct paperwork. Now for the next three months I was under the correct XXXX COVID Forbearance Plan. I thought this would clear up the three months behind, but it did not. 

XX/XX/XXXX the adjustment on the three months behind statement had not changed and a Foreclosure by XXXX XXXX XXXX XXXX XXXX had been started. 

I called Mr. Copper and ask Loan Specialist XXXX XXXX what I could do about the foreclosure, he told me about the Affordable Modification Program, he then sent me the paperwork, I applied for it and was approved. 

XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XXXX XXXX XXXX XX/XX/XXXX Payment was not cause the young lady at the call center stated that I was caught up and no payment was needed. 
XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX a Payment could not be made could the call taker would not let me make a payment, she stated that I could not make a payment online, over the phone or mailing. 

I have called twice a week since then with the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
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:
I was with them for 2 years. Over that time Ive had nothing but issues. They had a lot of real-time issues I would make deposits and they would hold that money and as bills would come in I would sustain overdraft fees. It happened every month and I finally got tired and left the account alone until it was closed this past XX/XX/2023.

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 2023-04-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late payment reported XX/XX/2023 XXXX XXXX XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Factor Trust
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried entering a dispute with both FactorTrust Inc ( the credit agency ) as well as XXXX XXXX XXXX ( the company that had received a fraudulent credit request, but neither was able to take my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
As per the feedback response from TransUnion, It's completely False resolution. I contacted TransUnion as advised by TransUnion on my last dispute and was informed by the representative who said his name was XXXX at the beginning of call, and at the end of call said his name was XXXX when I bought it to his attention he disconnected the call on XX/XX/2019. I recorded the call and informed the TransUnion rep that I was recording the phone call which I have forwarded all phone records, not accessible transunion website for me to view, check status on a dispute or start a new, and all submitted complaints that I have submitted to CFBP and TransUnion response to my attorney. 1. Transunion has continously denied my request for proof of Method of Investigation for accuracy. 2. Provide me with original documentation from the furnisher of creditor reporting signed contracts with my Full Name, Full Social Security Number, Full Date of Birth, Full dated Signature with my Name on it. 4. Told TransUnion XXXX e-system is NOT ACCEPTABLE!! 5. Transunion representatives in disputes istated repeatedly, that US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE with the phone number is address is whom you should call because they're reporting the information to TransUnion. I informed the representative that the US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE has reportedly stated to me over the phone and in person that the US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE HON NOT REPORT TO ANY CREDIT REPORTING AGENCIES OR THIRD-PARTY VENDORS AT ALL. I PROVIDED DOCUMENTATION REGARDING THAT. SINCE CFBP WAS NOT HELPFUL IN INVESTIGATING MY COMPLAINTS NOR HAS TRANSUNION ADHERED TO ANY OF MY DISPUTES THAT IS A DIRECT VIOLATION TO FCRA RULES 609, 623, 607, 611, 613 & 605, WILLBE HANDLE BY MY ATTORNEY.

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 2023-07-17
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited XXXX XXXX at the Golden ATM it the XXXXXXXX XXXX XXXXXXXX totaling {$410.00} on XX/XX/2023. The checks were as follow. 

{$400.00} {$0.00} {$1.00} {$12.00} When I checked my account a XXXX later it showed that each check was individually withdrawn due to poor image quality. I have contacted the bank via phone and was told it could take up to XXXX days to resolve. I later received a letter telling me there was an issue with my deposit but required no action. I made an inquiry at the bank and was told it could take XXXX days. I informed them that it had already been XXXX  days. The teller said that they should have returned the checks to me. it has currently been XXXX  days with no resolve or access to my funds and they still have not returned the checks to me as I was told.

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 2022-10-05
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX of 2021 I received a letter with a debit card attached to it from Netspends. I had been using netspend prepaid because it was better than using regular bank accounts due to the real overdraft protections of not being allowed to overdraft if your account doesnt have enough funds. But the new debit card I recieved was different. It was netspend all access which is treated more like a real bank account than the prepaid netspend. I noticed that when I didnt have enough funds I was allowed to go over the amount in the account and I was charged an overdraft fee. I thought I must have accepted this condition upon activating my card. Ok so I called Netspends to ask them to take off this overdraft protection because it doesnt protect me it only messes me up. Some charges are for as little as XXXX XXXX and there is a XXXX $ Fee. So they turned it off but then they started bombarding me with emails asking me to opt in again which I did because it was covid and I needed to at the time against my own best interest. It is an abusive practice to target an individual with low income into a high fee condition that they will always fall into, like a trap. Even though I would get frequent deposits they would fall out of the 24 hour time frame. I only made XXXX $ in income in 2021 and netspend took XXXX $ In overdraft fees from me. I covered all my charges with my own money the XXXX $ all went to the bank. I wish they never sent me this netspend all access the abuses they inflicted on my are the reason why I stopped using regular banks in the first place. This would have never happened if it was not allowed and they stopped offering that to me.

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 2018-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
Please REMOVE the reported non-compliant claim from the data furnisher of XXXX for account # XXXX ...., XXXX XXXX for account # XXXX ...., it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX .... & # XXXX ...., lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times  GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I was not enrolled in XXXX XXXX XXXX ( XXXX XXXX XXXX - only reporting to XXXX and Transunion ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XX/XX/XXXX ( responded in XX/XX/XXXX ), XX/XX/XXXX ( responded in XX/XX/XXXX ) and XX/XX/XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XX/XX/XXXX. The amount is {$1300.00}. I have included the original XX/XX/XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all 3 credit bureaus and they refuse to remove.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief