BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS CAUSED SERIOUS DAMAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been trying to get involved with cryptocurrency, so I checked out a popular app called Coinbase. I wanted to just start off very slow so I put in XXXX XXXX and waited about a couple weeks and tried to withdraw it. They say it usually takes about 3-5 business days for it to go through but I have now been waiting since XX/XX/XXXX since it 's been " pending ''. It is now XX/XX/XXXX and the only email replies I get are from bots saying the same thing. I am getting zero help at all from this company and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / HIPAA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.

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 2019-05-15
Company: EQUIFAX, INC.
State: MD
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:
There are collections on my file, one is fraudulent and one was reported past the 4 year deadline of oral agreements of Florida statue of limitations for filing a claim ( 4 yrs and months ).

The fraudulent one has had the correct records sent to all reporting agencies showing its fraudulent ( I went to a completely different facility with a different doctor than what XXXX XXXX is claiming ) yet they wont remove it. 
The one that expired shows it was from time of first activity was XX/XX/XXXX but wasnt reported until XX/XX/XXXX. They have refused to address this and remove item for the statutory offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When Mr. Cooper suddenly and abruptly took over from Seterus of our loans their improper handling of both the transition and later messing up receipt of monthly payments has been out-of normal. Unlike Seterus, there is no way to straighten thing up with anybody or any office. Consumer must doing things their way ( putting up with mistaken overcharges ), or otherwise ( foreclosure ). I only want them to straighten their records by fixing their mistakes ( denying have cashed my payment checks ; contrary to my bank 's record ). Aleast ive me a chance to send them copies of cashed checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This loan was originally obtained when I was married. During my divorce was an account that " fell through the cracks '' and wasn't paid. This account was later disputed through a company i hired after my divorce to help fix my credit. The debt had been removed and then re-reported under a collection agency which purchased the account. While trying to refinance my home, it came to my attention ( only until then ) that a lien had been placed on my home by Aqua Finance. I never received notification of such action and per Aqua Finance a notification had been mailed through regular mail. Mail where I live doesn't always get to me and I manage that by keeping track of bills and other items electronically through email notifications.

When I spoke with Aqua Finance at this time they claimed they didnt have to send anything certified or verify that i received a notification for the lien which i feel is very deceiving. A few days passed and they re-reported the debt from a XXXX balance collection account to a full balance ( {$3900.00} ) placed for collection account. 

I feel this is a violation of the Dodd Frank Act as it is an unfair practice of Aqua finance placing a lien on my home without properly advising me, and then taking it further re-reporting a debt to my credit days after I called them. In them re-reporting the debt with a balance as an open collection, it caused my credit to go down 86 points, which seemed to be done on purpose to aide them in collecting the debt by affecting my credit when I was trying to refinance XXXX which they knew was how I found out of the lien on a XXXX balance collection account days before )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I  sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help 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 2019-07-10
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted an Income Driven Repayment Plan Application for my federal student loans on XX/XX/XXXX. My loan servicer, FedLoan ( PHEAA ), sent me a letter regarding my application on XX/XX/XXXX stating " We are unable to recalculate your repayment plan using your most recent 1040 Federal tax return. We have already approved your plan using your most recent proof of income documentation. '' I submitted my tax return to recalculate my payments as FedLoan has incorrectly recalculated my monthly payment 2 times already ( once on XX/XX/XXXX and again on XX/XX/XXXX ). My XXXX tax return is the most accurate record of my annual income, as it takes into account all of my finances unlike my paystub.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX we called HSBC Bank to close out account. They told us that they would mail us a check for {$730.00}, On XX/XX/XXXX we called to see why we had not received our check. We were told that it takes 5-7 business days and the check was written on XX/XX/XXXX but might not have gone out until XX/XX/XXXX. Called XX/XX/XXXX. Check takes 7-10 business days and should arrive soon. It has been 10 days today. Wait it will come. Called XX/XX/XXXX. Check has not arrived. XXXX will check on it and call back tomorrow. Did not call back. XX/XX/XXXX we called. They will stop payment on the check but we need to sign an indemnity letter first. This must be mailed to us not faxed or emailed to verify we can receive mail at our address. On XX/XX/XXXX the indemnity letter was received by us. We completed it and had it notarized. Sent through US post office with signature requested. Letter received by them XX/XX/XXXX. Stop payment requested, but must first be cleared through bank. We need to wait until XX/XX/XXXX and a new check will be issued. We called XX/XX/XXXX. Check was mailed XX/XX/XXXX. Please allow 5-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 XXXX 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 XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2020-02-05
Company: Consolidated Recovery Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago I allowed a friend to stay with us until she could get on her feet. She stayed in my office so she had full access to all my info. She opened a account with XXXX payment solutions to invoice people for a product she was selling from XXXX. It was a lash growth product called XXXX. I knew she was selling this to all her girl friends at the cosmetic department. I guess she went much further. By the time I became aware of the situation XXXX shut down the account and fined me {$30000.00}. Which seemed like a scam. I tried to explain but by them this woman had disappeared. I have tried to talk to these people to no avail! They turned it over to a consolidated recovery group. They are very aggressive and basically laughed. They put this huge collection on my credit report, which I worked diligently to have removed. I finally succeeded and now are threatening a lawsuit. I have looked this company up and the have tons of complaints. Please help me to get rid of this once and for all. 
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 2019-07-15
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a citibank checking and savings account number compromised recently and {$7000.00} was stolen from the accounts. The money was recovered in a few weeks however, I was advised to reopen the accounts with a new account numbers - I did this. 

Once I received the new account number, I called to close the old accounts. This was a XX/XX/19. A few weeks later I received a statement showing the accounts were still open, I then again contacted citibank via chat, asked why the account was still open. I did not get an answer but they offered to close the accounts. Today, I found out that account is still open and accruing fees.

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 2021-08-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
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:
On Wednesday, XX/XX/XXXX, I requested and review my annual credit report and noticed a discrepancy with the reporting of one the accounts listed on my profile. 

My Perkins loan through EDUSRV / Heartland ECSI did not show the accurate balance and account standing. The last updated date stated on the report for this account was XXXX  when this account has been active & received monthly payments till this date XX/XX/XXXX. There is almost 2 years worth of data missing from this report which should show active & current payments to the account with the reduced remaining account balance. 

I request to have this inaccurate information reviewed & rectified to show current account standing & balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Discovered on a credit report ( XXXX XXXX ) an open account under collections. 
Information on the report : Fair Collections and Out 09 XXXX XXXX XXXX in Maryland {$2400.00} XX/XX/XXXX I have lived in Florida since XXXX. I have not rented any property in Maryland,. I have owned my own home and property in Florida at the same address for more than 30 years. I have attempted to tell Transunion on line, phone call and by snail mail that this is not my debt. They have stated that they did an investigation and will not look at the debt again. I do not understand how this was possibly investigated. This is NOT my debt. I have never heard of this address or the company involved. 
I have no information from the company related to this debt. I can document my residency in Florida since XXXX. 
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 2019-07-15
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage with PMI. I reached the LTV of 80 % and/or LTV of 78 % last year, but the bank keeps charge me for the PMI. I asked them about it on XX/XX/XXXX and they refused to consider. I called them last week ( not sure about the date but between XX/XX/XXXX - XX/XX/XXXX ) and they say they are going to summit a cancellation of it, promise to return the money ONLY for the last month ( XX/XX/XXXX ). Called them again today XX/XX/XXXX requesting the return of the money overcharged and again it was denied saying it was my fault for not summit a request for it. According to my calculations that amount is over {$800.00} dlls. My original mortage was XXXX with a down payment of 5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from " Transworld Systems Inc. '' dated XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX has placed you account ( s ) with this office for collection ''. 

The original toll fee is {$8.00} and the additional ( late ) FEE is {$100.00} for a total of {$100.00}. Let it be known that I will gladly pay the {$8.00}. 

It has taken me 2 weeks to respond to this notice because since the date of violation, XX/XX/XXXX, I have moved from XXXX XXXX to XXXX and so it has taken 2 weeks for the mail to be forwarded to my new address. 

About a month ago I spoke with XXXX XXXX XXXX XXXX re : a similar issue ( if not the same issue ) and I paid my debt and CLOSED MY ACCOUNT since I no longer live in the State of XXXX XXXX. 

Now a month later I am receiving a letter from a debt collection agency and I am confused. I want to settle this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are random hard inquires from this company on my credit and I did not authorize them. They are on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Description : from XXXX I was able to talking with XXXX XXXX, XXXX user name : XXXX. 



We were using XXXX messenger and then email to communicate. 

He was supposedly selling a watch XXXX XXXX XXXX. with the box ( document provided ).  After finished the deal and waited to receive the watch.. I got a bag of teas from XXXX.. ( document provided ) The email that he sent with the photo of package and what I received matches so we have a strong case! ( document provided ) As other XXXX buyers mentioned, he and his friends are a scammer and stealing money. ( document provided ). 

He and I agree to do the deal over the PayPal invoice! The following day he changed his mind doing the deal and canceled my invoice requests. ( documents provided ) As I mentioned in the email, I was backing out the deal because he kept insisting to just direct transfer.. giving different PayPal ids ... 

He tricked me into it by providing me the tracking info by royal mail.. when he was so confident that he already sent the package, I never imagined someone to sent a bag of teas and scamming someone!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a test bank transfer of XXXX euro from my bank to my new coinbase account on XX/XX/XXXX, i made a mistake of entering the reference number as btc instead of my XXXX digit coinbase reference, my bank say coinbase have received the funds on XX/XX/XXXX, i assume this is why it hasnt showed in my coinbase account, i accept I made a mistake but my money has disappeared and coinbase have n't made any attempt to rectify this and wont respond to my many attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Im sending this Copy of the check I gave to a Business call XXXX XXXX XXXX and other person REMOVED LABEL and put a name on it and Cash it, that easy Wells Fargo support a thief instead of a Wells Fargo Member or Customer that I being having Accounts with you for several Years. 
I requested over the phone to place a Claim about this XXXX and since Im XXXX and my English is not god, The Representative didnt get the point of my view when I tried to explained that someone REMOVE LABEL THAT I PLACE TO THE PAYEE AND THE THIEF PUT THEIR NAME OR COMPANY NAME INSTEAD., I being Ignored. 
I place a complaint about this misunderstanding from your Wells Fargo Agent and I even received letters from you asking me to wait 10 days to hear from you and even with that, I BEING IGNORED. 
My attorney advised me to ask you in the best way and I dont like to have to go legally and Close all my accounts with you. 
Thanks in advance, I will be waiting for your response only by e-mail or mail Since I cant thrust your word anymore after you lied to me and words didnt count at all. 
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX CHECK # XXXX {$1000.00}

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 monetary relief
Consumer complaint received 2018-01-24
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 filled a inquiry with Experian in reference to an unauthorized credit inquiry that i did not do on XXXX/XXXX/17 with XXXX XXXX/XXXX XXXX. Experian sent out the investigation request and answer was to be given back in 30 days showing that i authorized XXXX XXXX/XXXX XXXX to pull a credit iinquiry, they did nit respond, Experian gave them another 30 days and yet again XXXX XXXX/XXXX XXXX did not respond, so the inquiry was removed off my credit report. I received a copy of my credit report showing that XXXX XXXX/XXXX XXXX is back on my credit report for the same inquiry date. I did not authorize that inquiry, i do not have an account with XXXX XXXX and i was not notified that it was going back 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