BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: Ocwen Financial Corporation
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
THE MORTGAGE COMPANY PHH HAS : 1. STATES THAT I HAVE A $ XXXX  MONTHLY PAYMENT. 
2. STATES THAT I HAVE A RELATIONSHIP MANAGER, XXXX XXXX. 
3. STATES THAT A TELEPHONE # CAN BE ACCESSED TO DISCOVER THE PRINCIPAL BALANCE. WHICH IS FALSE.4. STATES THAT THEY WILL SOLVE THE PROBLEMS WITH OCWEN WHICH THEY HAVE NOT. 
THE MORTGAGE COMPANY PHH HAS : 1. FAILED TO ACCEPT A {$770.00} PER MONTH MORTGAGE PAYMENT. FAILED TO ACCEPT THE {$640.00} TRIAL MODIFICATION PAYMENT INXX/XX/2018 2. FAILED TO CONNECT TO THE RELATIONSHIP MANAGER, XXXX XXXX WHO IN FACT REFUSES MY CALLS TO DISCUSS ALTERNATIVES TO FORECLOSURE. 
3. FAILED TO DISCLOSE THE CORRECT PRINCIPAL BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This school is no longer in existence after countless promises of job placement and top tier support. It's now 10 years later and I haven't made a dent in my loans. I am a graduate with honors and have made on time payments since the end of my 6 month grace period. Sallie Mae has not offered any help but extensions and forbearances that will only help them in the long run. Regretfully, I have chose some of those options in times of need over the last decade. I am looking for information on how to proceed with elimination of payment to unrendered services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for an online loan on XX/XX/2019 with Americash online payday installment loans.

I also have another pay day installment loan out with XXXX in XXXX XXXX, IL my first payment with Americash was for over XXXX beg on XX/XX/XXXX and the remaining payments were XXXX each bi weekly with the last payment ending in XX/XX/2019 Combined payment from Americash and XXXX are taking me over the IL allowed 22.5 % of gross income set by IL consumer laws. 

I reached out for a repayment and was given a new repayment amount of XXXX for a combined amount of XXXX each bi-weekly, I also have to pay XXXX bi-weekly to XXXX XXXX. 

I am requesting Help for a deceptive practice in violating my consumer rights in having a fair interest rate and repayment schedule not to exceed 22.5 % of my income. 

Americash was aware of my 2nd loan due to XXXX XXXX as they share a network loan database, and they should not have based on IL law granted a loan to a distressed borrower if they are not financially able to make the payments. 
the demand repayment agreement is in violation of IL lending laws I can no longer afford my mortgage or utility bills Americash called my place of employment on XX/XX/2019 I emailed them revoking the wage assignment which is allowed in Illinois Please help me as I am swamped in Payday installment loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Berman & Rabin, P.A.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Berman & Rabin P.A left me voicemail onXX/XX/2020 that they needed to discuss a business matter. I called back onXX/XX/2020 and spoke with a lady from there and she was threatening to repossess my vehicle if I didnt pay them what they say I owe. I asked what vehicle was this because I didnt  have any vehicle loans through them. After a brief hold she came back to only tell me she didnt know what vehicle but I was to pay the balance of {$10000.00} or my vehicle would be repossessed. I asked if information regarding this repossession in question and have not received anything on it. I felt very threatened by this call and dont feel she had any right to make such threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Mar Joe Enterprises
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have breach alerts & i have filed a idenity thieft report in XXXX county alalbama police departmart! i have looked on my credit alerts this early morning and i see so much stuff that is no way connected to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions 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 paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX XXXX experian the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info

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 2019-01-31
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 paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to transunion XXXX  XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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: Old information reappears or never goes away

Complaint:
charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: GA
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:
Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do 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 XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2019-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about, XXXX XXXX, 2019, I called Chase to hear my balance, and I discovered that there was a charge that I hadn't made to XXXX for {$570.00}. I told the Chase agent about the fraudulent charge, and she cancelled the card, took off the charge, and mailed me a new card. 
A few weeks later, Chase called me and asked me whether I knew XXXX XXXX. I replied that I did. They continued with, " that name is on the fraudulent charge, and so is his email address ''. We got off the phone, and I thought that was the end of it. 
On XX/XX/2019, I again called Chase and after listening to the automated message regarding my account, I heard that the XXXX charge was put back on my account. The charge was reinstated on my new card. I didn't know why. I immediately spoke to XXXX in the fraud dept. and was told that the charge was put back on my card because I knew the purchaser. I do not know him. He is my travel agent 's business partner and I am familiar with his name. My travel agent spoke to XXXX, and he did not know anything about this charge. He does not have any access to my credit card information. 
I have received nothing in writing from Chase with any final resolution ( that my fraud claim was rejected ), nor have I received in writing any evidence supporting the rejection, other than a phone call asking whether I knew the purchaser. The charge has not been removed. 
I have gone into the Chase branch on XXXX XXXX. in XXXX, XXXX. I spoke to a branch rep, who referred me to XXXX, head of the fraud dept. in XXXX. I submitted a letter written and signed by my travel agent, XXXX. This letter was submitted electronically to XXXX on XX/XX/2019. I spoke to XXXX on XX/XX/2019. XXXX told me that the purchase was credible, and there would be no refund to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Experian Information Solutions 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:
I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

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 2018-01-21
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to XXXX XXXX regarding account number XXXX asking to verify and validate the debt. I was notified that this account was verified without any proof of original contracts and documentation with my signature. I was not given a fair and thorough investigation per FCRA. and I also believe they may not have a license to collect in Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The Family Support Service Department has put a negative remark on my credit on XX/XX/2018 saying I previously owed money to them because my childs father decided to go to the County and sign up to receive benefits. I have spoken with their department and they have actually told me that they should have never reported that to my credit because it was a mistake. Now this has caused me a great inconvenience with new ventures I am trying to pursue and I need this removed immediately from my credit since it was their mistake.

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 2019-01-31
Company: National Credit Systems,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: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company  they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a new XXXX credit card for XXXX XXXX in the mail. A disclosure page included information about my credit  score from Transunion, and, under " How can you obtain a copy of your credit report? ", it said that federal law says I have a right to a copy of my credit report without charge for 60 days after I received this notice, and that I could obtain my free report by calling or mailing Transunion, or by going to www.transunion.com ( only that simple main address with nothing else ). 

I went to that website and spent at least 20 minutes looking for the way to get a free report, and I can't find it. I'm totally web-savvy, and I still can't find it. I even nearly got tricked into starting an account for a monthly service that costs $ XXXX/month because I clicked on some very simple " see your score '' links on that page and was still only ever taken to a for-pay service signup ( where they ask for your credit card number at the end of Step 2, and it's not that clear that they're signing you up for anything unless you look at a sidebar on the right - some people might think they're being asked that as part of identity verification or something like that. ). 

It seems like Transunion isn't being up front at all about how to get the free score from that address. The only other explanation would seem to be that XXXX didn't include the correct full web address, but either way, something is not working correctly! I hope you can fix it immediately!

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 2018-01-18
Company: EQUIFAX, INC.
State: NY
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 is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Coinbase stated that its a secure platform howerver Coinbase should take the responsibility as well - These transactions into Coinbase company were part of a cryptocurrency scam, even though it was placed in a good faith and hard to believe it was a fraudulent purchase. 
- After several days investigation, there are plenty and verifiable evidence along with other victims indicating this is a cryptocurrency scam. 

- Coinbase has a big loophole that makes it easy for the scammers to do money laundering and allows scam site to launder funds to their platform. 

-Coinbase is not the safe platform. They only just want to get transaction fee from their customers. 
Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a withdrawal letter from Attorneys, XXXX XXXX XXXX XXXX   in XXXX, CT tel. ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( me ) w/out costs or fees. regarding a reinstatement refi. The attorneys were paid over {$3000.00} by me incl in the {$18000.00} reinstatement fee wired on XX/XX/2019. After that date, I was sent a letter by their employer, Wells Fargo  saying their attorneys wanted {$1900.00} more. I called & emailed the XXXX law firm  3xs asking what the fees were for. They will not respond. I called & faxed Wells Fargo many times re : the fees. Wells will not say what the fees are for. The attorney fees were added on the date of XX/XX/19 after the withdrawal. Please, look into the over inflated atty fees & have XXXX tell me in writing what the charges are for. Wells contact is XXXX XXXX tel # XXXX Ext. XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX. XXXX lawfirm is XXXX XXXX XXXX, XXXX, CT XXXX tel # 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 2019-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for credit card and was asked if I wished to do a promotional balance transfer prior to submitting application. I accepted and put the amount to pay off credit card balance, upon submitting application I was only approved for a lower amount in which I had no interest in accepting. I called company and stated I didn't want their offer within 24 hours. It's now 10 days or more later and I receive letter stating of a balance transfer for XXXX dollars and a fee added to it, I never authorized a balance transfer for XXXX dollars and a extra fee. The card they sent it to is now in a negative balance because I paid the card off myself. I still to this day don't have a credit card from this company and they also decided to do a balance transfer for a amount I never approved of. I called them today XX/XX/2019 and was told they're allowed to do whatever they want and charge me for it. It's also my responsibility to get them their money back according to them. Any help resolving this problem would be greatly appreciated. The letter states the last 4 digits of account is XXXX, wells fargo, XXXX XXXX XXXX, XXXX XXXX IA, XXXX. XXXX dollar transfer with a XXXX dollars on a account that is in the negative now. 

Thank you 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