BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COUNSEL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Company contacted me several times claiming {$300.00} owed for services rendered in XXXX 2014. Its been 4 years and I disputed the amount owed directly with them and they were not able to provide any proof of services. Company decided to report to credit bureau. I called today after seeing it on my credit report. A male representative HUNG UP ON ME. Unacceptable behavior by a representative who is federally and state regulated entity. You help is greatly appreciated. 
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 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21, I placed some deposits into the night deposit box at the Bank of American branch at XXXX XXXX XXXX, XXXX, GA XXXX. The branch then closed due to COVID. They still have not processed my deposits. I talked to the bank on XXXX and again on XXXX and they did not seem to care. I still am waiting for my deposits to be credited to my account. Once they allow me to place deposits in the box set up for that purpose, they bear the burden of responsibility to process said deposits. If the branch was planning on closing and not collecting the items in the box, then the box should be sealed.

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 2018-06-05
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have {$1000.00} that was wired to my wallet on Coinbase. It is in cash, not virtual currency. Coinbase disabled my account. I called Coinbase and they tell me that they can not tell me why it was disabled, when I will have access to my funds, or whether I will regain access to my funds. They just tell me that I will need to wait. I ask them how long or why my account was disabled and they have no information. They claim only support staff knows that information and you are not allowed to speak to them.

Essentially Coinbase took {$1000.00} of my cash and disabled my account so that I can not get access to it and wont tell me why it was disabled or how to get it back. This is criminal theft as far as I can tell. These guys should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: BARCLAYS BANK DELAWARE
State: CO
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:
In the several years I've been using my XXXX Mastercard Barclaycard XXXX I've filed maybe 2-3 disputes. Apart from making it incredibly difficult to initiate the dispute ( e.g. when calling the published  number they try to convince you to go online. Then, when online, there's no option to submit a dispute online but you're instructed to mail or fax (!!! this 2020 we're talking about ) the dispute info. Once the dispute is finally submitted there is ZERO follow up. I.e. the charge is not taken off the account for the duration of the dispute, there's ZERO information regarding what's happening. When you finally call again ( there's no way to do this online ) to check you're on hold forever and then again, either they tell you the dispute has been cancelled or the dispute is still being investigated. So this is my complaint ... IT APPEARS THAT DISPUTES ARE BLACK HOLED INTENTIONALLY by XXXX Mastercard Barclaycard 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 monetary relief
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: ME
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-08-03
Company: Movement Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a delinquent tax notification from my township. After calling my township, I am told that my mortgage company ( MOVEMENT MORTGAGE ) never paid Quarter 2 taxes. I emailed the delinquent notice to Movement Mortgage ( received a receipt via email ), called Movement Mortgage and spoke to representatives on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each representative either reported a payment will be wired on XX/XX/XXXX ( never happened ) or we are looking into that. 

At this point, my taxes for two quarters have not been paid. My mortgage payments have been made on time and my escrow account has enough money to cover the taxes. 

There are also penalties that I should not be responsible for paying. 

I appreciate assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I added seven authorized users to my Capital One account causing my account to get flagged and frozen on suspicion of fraud. Since, I have spoken to several managers and representatives who requested documentation verifying that it is not fraud. I provided those documents multiple times over the course of about two months and they are still refusing to release the hold. I wrote Capita Ones corporate office and have yet to receive a response from them as well. Now, today, I received a notification that my account will be closed due to no address which was seemingly deleted and I have no ability to correct due to my account status. This is one of most favorable accounts and losing it will negatively impact my credit profile as well as other lines of credit tied to this bank which are also frozen because of this one issue. Every time I call customer service I am given the run around and/or conflicting information, especially regarding documents being received. This is seeming like a modern day form of discrimination from a major company that Ive been loyal to for years. I need help regaining access to my account to prevent harm to my credit, finances, and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
they seem to be taking more money than there supposed to.Im on hold now for 15 minutes they wont give me my escrow numbers for past 7 years so I can see. all they tell me is your taxes keep going up.They say we'll call u back and they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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: Public record information inaccurate

Complaint:
Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, 2 XXXX, a collection XXXX. Please its hurting 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 non-monetary relief
Consumer complaint received 2021-04-04
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:
There are accounts and addresses on my credit that do not belong to me. Please remove them. 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 2021-02-13
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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 Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I needed to make a payment to XXXX from United States through the websites such as XXXX XXXX and XXXX.. XXXX is giving an error sothat I tried with XXXX, but when I tried to login to my capitalone savings account from XXXX, capitalone is blocking my access to my account through my XXXX  account. I need to connect my capitalone account to my XXXX account, but capitalone is not allowing me to enable external applications. And when I tried to contact them, they were unable to solve my problem. Please do the needful with my problem and grant me to enable external applications for my capitalone account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Prosper Marketplace, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A long was paid of 2 months after Charge-Off in XX/XX/XXXX for loan from Prosper Marketplace. The account was Charged-Off on XX/XX/XXXX. The account was paid in full XXXX. Prosper Marketplace is refusing to provide a Paid in Full letter or update the account as Paid in Full. It has been reporting as delinquent and negative for 5 plus years. I have spoken with Prosper on XX/XX/XXXX and they have confirmed the account is paid in full as of 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 2021-04-12
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent Americollect numerous letters asking for a validation of my signature demonstrating that they have a contract with me. They continually send me letters stating this is " what I asked for '', but it's just the same as always. No proof of my signature with them. Just some random letters and then they keep sending me my medical diagnosis and tests which I have had in the past. I clearly did not ask them to send that to me nor did I give permission for anyone else to send it to them. 
They do not have a signed financial consent from me therefore, I would like this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: AFNI INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This collection was previously disputed with the CFPB and removed from my report in the past. The company, XXXX, has now re-assigned this account to another collection agency and re-aged the debt. The debt was initially removed because the account was being reported twice. The account was re-add and a letter advising me that it was being re-added was never sent to me ( my first CFPB complaint that resulted in a removal of the account ). XXXX has now given the account to AFNI and re-added the remarks to my report with a start date of XX/XX/2018 for an account that was closed more than 3 years ago. A letter stating that the account was being added was not received. 

XXXX continually reassigns and re-age debts. The previous response from the previous collector has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: KY
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 received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With XXXX  there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With XXXX there are inquiries from the following which were not me : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX With Experain the following inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX account and a medical bill.

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 2019-02-07
Company: North American Asset Services, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my frontier account in full. I started business with another company, and frontier said that my account was never closed properly and that I need to pay for services that I have not received. All merchandise was returned

Company response to consumer: Untimely response
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: NV
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:
My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. CHAPTER XXXX BANKRUPTCY XXXX {$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 explanation
Consumer complaint received 2018-03-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Yes Nissan acceptance. I'm going thru hardship right now lost my mom few weeks ago. Was her caregiver for 5years. We hoping I can get a deferred payment like 1or 2months into back of loan. Would help me out right now  struggling with mom 's bills plus my own bills too. I'm on XXXX myself going thru rough time. Don't want car repoed. Wana work with Nissan. Hope they can help. It's a new car. First payment due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX alon, XXXX XXXX, bank of America, 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 2020-05-07
Company: JPMORGAN CHASE & CO.
State: DC
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 contacted JPMCB CARD SERVICES ( Chase Card Servcies ) on my 3 accounts in XXXX, XXXX, XXXX and XXXX to let them know about issues due to my family issues with Covid19 and having to take care of many who are not working. Chase finally said they would process the request under the CARES ACT, but they were not fully staffed and it would take time to process the request. The requests came back approved, however, CHASE reported all accounts as seriously delinquent in XXXX, XXXX, and XXXX as they were processing the request. I asked and filed a dispute with the credit agencies, and it came back that CHASE provided property documentation. I am grateful they provided relief, but upset they are dinging me and surely many others while they took so long to process the application due to awaiting guidance or not having fully staffed offices. This applies to agreements set up after XX/XX/XXXX and until either 120 days after the XX/XX/XXXX enactment of the CARES Act, XX/XX/XXXX, or 120 days following the end of the national emergency, whichever is later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a commercial mortgage with Santander bank for 3 units buildings in XXXX, New York. I refinanced my mortgage with Santander Bank in XXXX in the amount of $ XXXX. At that time, my loan officer was XXXX XXXX from Santander bank. I was never late earlier, and currently, I owed the bank around $ XXXX. Because of COVID1 9, I had a hard time paying my mortgage payment ; hence I applied three months forbearing plan for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Around XX/XX/XXXX, I have received a call from XXXX XXXX 's personal cellphone ; he said that he doesn't work with Santander bank anymore ; he warned me that I need to do refinance my mortgage immediately with his own investor ; otherwise, the bank will take over my building within few months. Simultaneously, I got a call from the individual appraisal, who informed me that XXXX XXXX from Santander bank sent him to do the appraisal of my building. When I called XXXX XXXX mentioned that we bought the note of our mortgage. He is the only person we can talk to regarding our mortgage with Santander bank ; He also mentioned that even though I pay my 3 months past due payment of {$8500.00}, it will not be enough ; hence, he will still be going to take over the building. XXXX XXXX gave me only one option : to pay him close to $ XXXX, which included a Yield maintenance fee of $ XXXX, an Appraisal fee of $ XXXX, and private insurance of {$4700.00} even though I provided him the evidence of my current insurance of this building. In the meantime, a formal employee, XXXX XXXX called me and scared me again. When I asked XXXX XXXX, who is XXXX XXXX? XXXX XXXX told me that he is an executive officer of Santander bank has all the powers on my loan. I have received notice from Santander bank and XXXX XXXX 's attorney that I have to immediately pay my whole mortgage amount of $ XXXX + $ XXXX.

Company response to consumer: Closed with explanation