BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo continued to pass me around within a 12 month period to different loan modification employees who requested the same information over And over again, everyone I spoke too had s different story. They provided confusing information. They kept delaying me and kept me on edge. A horrible business model.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
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 status incorrect

Complaint:
Transunion is reporting an account from XXXX XXXX that is reporting inaccurate information on my credit file. Transunion refuse to conduct a reasonable investigation into the erroneous reporting from XXXX XXXX. Transunion is reporting from XXXX XXXX an incorrect account status stating " Account included in chapter XXXX bankruptcy ''. 

As of XX/XX/2018, I do not have a Chapter XXXX or XXXX Bankruptcy listed on my credit report ( Public Records ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I bot Bitcoin in Coinbase. Before I deposit and buy Bitcoin. They never ask me document check. When I try to withdraw my money. They need me verify my ID. However, I tried to use my cell phone. My laptop, my desktop. My ID uploaded so many times, it is not working. They don't have physical address can solve the problem. Their chat is robot. Their tel number is robot too. They hold my money since XX/XX/2018 My point is if they can no allow withdraw. They can not allow deposit. They hold my money and extend the holding period. Now my money still can not withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: DISCOVER BANK
State: NY
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:
I file a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX ( write-off, XXXX  XXXX XXXX XXXXXXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that e-oscar verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently repaid {$28000.00} in student loans to XXXX  XXXX XXXX. I told to the company that the payment should be applied to my two highest loans with the highest interest rates, which were each about {$14000.00} and around 5-6 % interest ( Loan sequence 7 and 8 on my account ). I told them this both by phone and email. I recorded the names, employee numbers, and dates of each call ( XXXX, Employee ID ( EID ) XXXX, and XXXX XXXX XXXX by phone on XX/XX/2018, XXXX by email, who did not provide an EID, on XX/XX/2018 ). 

Despite my repeated attempts, XXXX XXXX XXXX has refused to apply my payment to these loans. Instead, they have applied my payments " across the board '' to a number of smaller loans with lower interest rates. Essentially, they are forcing me to continue paying the higher interest loans, which will extend the life of the loans, the interest, and my repayment obligations. 

I have continued to contact them to rectify the situation without any success. They have refused to provide any confirmation that they have or will correct the error. Any help you could provide would be appreciated, I have detailed records to corroborate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, 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:
I have disputed the student loan XXXX XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Affiliate Asset Solutions, LLC
State: MD
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:
Since XX/XX/2021 I have been receiving repeated and harassing telephone calls from Affiliate Asset Solutions a debt collection agency located in XXXXXXXX XXXX, GA. The debt is unknown. In addition, Affiliate Asset Solutions has deliberately falsified the information transmitted to my caller ID display in order to disguise their identity. I have recorded calls from ( XXXX ) XXXX and ( XXXX ) XXXX. I was able to trace these numbers as belonging to Affiliate Asset Solutions. Their registered telephone number is ( XXXX ) XXXX. On XX/XX/2021 a recorded voicemail message from ( XXXX ) XXXX was left stating " court action '' was being taking against me. The message is believed to have been left by Affiliate Asset Solutions. Per the Fair Debt Collection Practices Act ( " FDCPA '' ) a collector is required to send a written " validation notice '' within five days of first contacting you. However, I have not received this notice from Affiliate Asset Solutions and the right to dispute the validity of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Ability Recovery Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Ability Recovery is a debt collection agency reporting illegally to the bureaus under their own name which is illegal on a MA Consumer credit report. MA state law says that an account may only be reported by the original creditor ( law below for your records ). They have been informed of their illegal activity via certified mail three times. They have failed to reply to take action for removal. 
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written  authorization from the creditor, report to a consumer reporting agency in the creditors name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, 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 status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express.

We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX  bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account onXX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles.

You still have time to meet the spend requirement. For the {$50.00} statement credit, you have untilXX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account.

Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Had a mortgage with Wells Fargo Home Mortgage about 10 years ago. Received an alert from XXXX XXXX that Wells Fargo removed my account from my credit report and caused an 11 points drop on my credit score. Contacted Wells Fargo but couldn't get 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 2018-10-09
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-07-02
Company: ECMC GROUP, INC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, on XX/XX/XXXX complaint # XXXX I received this message ... XXXX XXXX has learned through this complaint that XXXX XXXX is not the correct consumer we are attempting to contact. As such, XXXX XXXX ' contact information has been removed from the account and she will no longer be contacted regarding this account. We apologize for any inconvenience caused through our communication efforts.

Now they're after me again and I filed another complaint # XXXX on XX/XX/XXXX.

Why are they after me again if it was proven that it wasn't mine and I received a check in the mail from a lawsuit that was filed against them from contacting people?

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 2018-07-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified has reported illegally to the credit bureaus on a MA resident under their own name as opposed to the name of the credit in violation of 209 CMR 18.17 : Unfair Practices.

I have sent them three certified 93A Demand notices ( XX/XX/2018, XX/XX/2018 and XX/XX/2018 ) informing them of their illegal activities ( state and federal violations ). They have continued in their illegal listing and attempting to collect.

209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.

( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
I Received my credit report showing a inquiry from Pentagon Fcu from XX/XX/18 that I applied for an credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal 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 2018-07-02
Company: Experian Information Solutions 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:
Hello I am contact you due to a recent increase in fraudulent information on my credit report and I would like this information removed because it is fraudulent and doesn't belong to me. I will first start with the fraudulently credit inquiries that are not mine and do not belong on my credit report and I would like these inquiries removed at once XXXX XXXX XX/XX/2018 XXXX credit card Also these accounts I'm going to list are fraud and I want them completely removed of my credit report at once because they do not belong to me and are fraud XXXX XXXX Reported : XX/XX/2018 + {$0.00} XXXX XXXX XXXX Reported :XX/XX/2018 + {$420.00} Closed XXXX XXXX : XX/XX/2018 + {$420.00} Closed Remove these accounts at once they are fraud and do not belong to me and I want them removed at once. 

Also my credit card balances are incorrect and I want these cards listed to be updated at once because your company is reporting false balances which is causing harm to my XXXX XXXX. Please update balances for XXXX XXXX, XXXXXXXX XXXX XXXX XXXXk, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please update balances

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 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I am contact you due to a recent increase in fraudulent information on my credit report and I would like this information removed because it is fraudulent and doesn't belong to me. I will first start with the fraudulently credit inquiries that are not mine and do not belong on my credit report and I would like these inquiries removed at once XXXX XXXXXX/XX/2018 XXXX credit card Also these accounts I'm going to list are fraud and I want them completely removed of my credit report at once because they do not belong to me and are fraud XXXX XXXX Reported : XX/XX/2018 + {$0.00} Closed XXXX XXXX Reported :XX/XX/2018 + {$420.00} Closed XXXX Reported :  XX/XX/2018 + {$420.00} Closed Remove these accounts at once they are fraud and do not belong to me and I want them removed at once. 

Also my credit card balances are incorrect and I want these cards listed to be updated at once because your company is reporting false balances which is causing harm to my credit score. Please update balances for XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX   XXXXXXXX XXXX XXXX, XXXX XXXX Please update balances

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted complaints with each credit reporting agencies about these issues and asked for removal of the inaccuracies. I started with the agencies first then came here and added complaints. And still inaccuracies remain including not reporting at all to one bureau in which a representative let me know they do not report to all bureaus. below I have all a Tri merged report that shows all the inaccuracies on my consumer report still not corrected and adding detriment to my file by putting collections on my repeort which is consumer experience and shouldn't be on file anyway per my first complaint 15 usc 1681c. section 604 a 5 section 2. referenced in complaint XXXX equifaxXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have two checks that were stolen and deposited into the wrong account in XX/XX/2021. I spoke to the bank and was told it would take up to 90 days to complete the investigation and get the money back, but it has been over 9 months, and still no resolution. My bank is Chase, and the checks were deposited into a XXXX XXXX account. They were improperly endorsed, and clearly not deposited into the correct account since the checks were written to a business.

Company response to consumer: Closed with explanation