BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor ( XXXX XXXX ) has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.

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 2018-01-06
Company: Sortis Financial, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started to receive letters from Clear Spring about 1 year ago asking for payment of {$5300.00} with no explanation of where the debt was incurred, I have asked for signed contracts with no response, I have been fighting to get this removed from my credit reports as I can not cosign student loans for my daughters. 
I recently received a letter saying I can settle the claim of {$5300.00} for one payment of {$530.00}, this company has provided no documentation nor  contract and I am not about to settle on an account that never existed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Account Managers, Inc.
State: WA
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 asked for a proven fraudulent account to be deleted off my XXXX   Credit report. It was not investigated correctly. I submitted the same dispute to XXXX and it was DELETED. XXXX XXXX XXXX XXXX and XXXX XXXX have the proof this was fraud. Please reinvestigate as I have been trying so hard here to avoid bankruptcy. DISPUTE THAT WAS COMPLETED TODAY XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-02-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, This complaint has to do with ATM deposits I made with through Chase ATM 's. 
On XX/XX/2021 at XXXX I deposited {$600.00} dollars into a Chase ATM. I was given a receipt and told to call Chase regarding the deposit to be sure it was successfully made. 
On XX/XX/2021 at XXXX I made another deposit of {$600.00} dollars into a local Chase ATM, and was given the same prompt to call Chase. The same day, I tried to make another deposit at XXXX at another location, since I needed my funds to show in my checking account for inventory purchases for XXXX XXXX XXXX. 

I called Chase and was told my money would show in my account, and for one of the deposits I made it did. However, for the other deposit I was given a temporary credit, and the last deposit I made a claim was never made until I called back to figure out where my money was after two days. Even then, I was hung up on more then once, and was told a claim was never filed, then it was, then there was system errors. Finally I was able to talk to a supervisor who told me he just helped a lady with this issue and that it can happen more then frequently and assured me it had nothing to do with my debit card. After all my encounters with Chase, this man was very nice, and instructed me I had to call the branch where the money was deposited. Upon doing so, the branch would not assist me and neither would the Claims Department when I called back. Which is very unfortunate because of this, I missed the opportunity to have a cash outlay of more then {$20000.00} selling merchandise for XXXX XXXX XXXX. 

Because of this, I've stopped placing as much funds into my Chase account and when I do make deposits I record the transaction on phone so if a dispute arises I'll have video evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Have made 3 attempts to make my payments to PHH mortgage Services, they have transferred my account from XXXX XXXX XXXX and joined with them, but they have returned my electronic checks from my bank to make payments on my mortgage, they have offered other options to make payments thru debit cards and they too have not been accepted and returned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
submitted evidence that they are reporting incorrect information on my XXXX accounts and they still found nothing wrong. Shows late payments when the account is under forbearance.

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 2022-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was alerted by my credit bureau XXXX that my credit score dropped 40 points. Found an account that was not mine and disputed it. Contacted the company AcimaCredit and because my phone number didn't list up to any account, they would not give me any information regarding the account that they placed on my credit report. I was not able to cancel the credit line, get the phone number or address of where the items were delivered to since this is an online store. 

I have filed a police report in XXXX County where I live on XX/XX/2021 and was given police report number XXXX. 

account name : ACIMA CREDIT XXXX  XXXX  also known as : ACIMA CREDIT XXXX XXXX account # XXXX account type : Lease Responsibility : Individual Date opened : XX/XX/2021 Status : Open {$510.00} past due as of XXXX 2021 Balance : {$2400.00} Original balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2017-09-21
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I began making payments for my school loans with Navient per my Income Based Repayment plan. I successfully paid off XXXX ( 2017 ) payments, after numerous attempts to contact Navient asking them to please postpone payments because I knew I would not be able to make that months payment. 

I made the decision to consolidate all of my loans. However, I never filed for a forbearance. What I did file for was a consolidation with an income-based repayment plan ( public service loan forgiveness ). Unfortunately, I have not received any documentation stating when the consolidation when through. According to what I see online today ( XX/XX/2017 ), I see all of my loans consolidated, but my next payment is {$990.00} versus the {$180.00}. 

The consolidation went through, but not the income-based repayment plan ( public service loan forgiveness ). I have tried to contact Navient on multiple occasions, however their hours of operation do not allow me to speak with someone since I am in Hawai'i and they are on the east coast. 

I am at wits end and unsure of what to do. I am submitting a fax to Navient, but most likely it will fall of blind eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We filed complaint XXXX with the CFPB regarding SPECIALIZED LOAN SERVICING LLC 's dishonest practices and onXX/XX/XXXX, SLS replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter SLS promised to correct the reporting to the credit agencies, but in fact SLS just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see SLS 's letter datedXX/XX/XXXX acknowledging this.
In the years we have dealt with SLS they have NEVER done what they said they would do and SLS would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is SLS 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. SLS should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

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 2018-01-08
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am having an issue with Coinbase and was advised to reach out to you guys as a lot of people have been getting issues resolved when going through CFPD. 

I initiated a withdraw from my CoinBase account on XX/XX/XXXX to my Bank Account ( Please see attached screenshot ). Coinbase said I should received the funds on the XX/XX/XXXX. It is now XX/XX/XXXX and still no funds in my bank account. Transaction is still showing as " pending '' on their website. 

I have reached out multiple times to CB support. Got a reply 3 days later from the first time I reached out to them. They asked for information that I had ALREADY provided to them initially. Seems like they are stalling, trying to buy time, or just ignore their customers. Upon my follow up email I still have n't received another reply from them and its been 2 weeks since then ... 

Please review my case and please help me! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Bank of America credit card was closed and charged off by them in XXXX of XXXX, my credit report says it should have been removed from my report in XXXX of XXXX and yet it has not. Bank of America instead added it back showing as an open account on my portal in what I assume is a fraudulent attempt to collect on an account that has been charged off for years. I would like to close my account with Bank of America but can not do so while this old card is showing open on my account. This debt is over the Statue of limitations in Georgia, where I lived when this card was closed, Oregon, where I live now and BoA 's home state of NC.

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 2019-04-22
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX, I was alerted by mail that my account with XXXX XXXX Hospital was turned over to XXXX. I contacted XXXX on XX/XX/XXXX, regarding the transfer of the account. I learned that XXXX had two accounts from XXXX XXXX Hospital. The first account was {$1100.00}. The second account was {$670.00}. I disputed the second account, because I thought I had paid it completely. I setup a payment arrangement for the first account for the monthly payments to be automatically deducted from my credit card. In XX/XX/XXXX, I discovered that I paid a XXXX bill in full, which was different from the second account that XXXX had. Therefore, I call XXXX on XX/XX/XXXX to ask them to add the second account to my existing payment plan. XXXX added the second account to the first account and told me that my monthly payments would continue to be {$120.00} per month. The representative agree. XXXX reported the second account as being delinquent to the Credit Bureaus on XX/XX/XXXX. I call XXXX, in XX/XX/XXXX, and asked them to correct and remove the error that was reported to the Credit Bureaus, because I had not missed a single payment. The representative said the error would be corrected in two weeks. Now, XXXX refuse to correct the erroneous reporting. In addition, XXXX did not communicate with me that they were going to report the second account as delinquent. Therefore, I did not have the opportunity to remedy the situation, before they made the injurious report to the Credit Bureaus. As of XX/XX/XXXX, XXXX XXXX bonds with Texas Secretary of State has be cancelled and has not been renewed, since XX/XX/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 2019-09-10
Company: Square Inc
State: PA
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 had a cash app account for several months now, and for an unknown reason theyve closed my account and the only response Ive gotten from them is an email stating i violated their terms of service. I didnt, i had to update my card and bank account on file and thats it. I submitted new photos of the documents as requested and then next day my account is closed and I have no idea why or how.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted the company on XX/XX/XXXX on 2 different debts one for {$230.00} and one for {$88.00} after contacting them I asked them to verify the debt and the lady said I should have the information where I was treated. I said I need a detail bill of these charges and she said you should have that already. I said may I speak to your supervisor and she placed me on hold and never returned. I called again on XX/XX/XXXX and got the run a around again. So I mailed a letter requesting the same information and the letters were returned back to me. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested that this creditor provide validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 77 days. The collection amount is listed on my credit monitoring site for {$270.00} and I was never made aware of such debt in writing

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
American Express is performing an adverse action against me as the consumer according to 12 CFR 1026.13. American Express continues to ask for additional unneeded information to process my applications. I have sent my W-4 which entails all information needed. American Express has done hard inquiries on my credit and seemingly is opening accounts in my name. Which are not under my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$270.00} XXXX XXXXBalance XXXX {$5100.00} XXXX  XXXXBalance : {$6200.00} XXXX  XXXXBalance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}

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