BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Starting around the XX/XX/XXXX/XX/XX/XXXX time frame of XX/XX/XXXX I initiated conversation with my Loan Service Provider to start a Loan Modification process with them. After submitting hundreds of pages of documents that were asked for almost a year now, I still do not have an answer. Recently, because it has taken so long I started to inquire with individuals and companies as to the process and have found out horror stories as to the actions of some banks/loan servicer 's towards there customers. At this time I am terribly concerned that this company is going to come back with a denial and put me in a position to possibly loose my home. 
The amount of time that this process has taken to date is solely on the backs of Bayview as they time and time again asked me for documents that were already received not only by fax, but also certified mail. I literally have 100 's of pages of documents and can not possibly send them. To give you and example of this companies incompetence, I contacted them back in XX/XX/XXXX after they had asked me for a XXXX form for the 5th or 6th time a copy of all of the correspondence that they had from me. A short time later I received 3 large envelopes in the mail from Bayview containing 100 's of  pages of correspondence, many of them BLANK! 
The stress level that this process has caused not only me but my entire family is incomprehensible. My current point of contact at Bayview has never once initiated a phone conversation with me or left a message for either me or my wife. I have had to initiate any communication unless it was an encripted e-mail or correspondence by mail even thought many times through this process I specifically asked for my point of contact to notify me if they did not receive the documents that I had sent only to be ignored and weeks later have them come back and say documents had not been received. I was notified in mid XX/XX/XXXXthat all documents had been received and I would be given an answer within 30 days only to receive an e-mail on the 30th day stating that an additional document is needed. Proof of that document was sent along with bank statements showing the monthly deposits althought those statements had been provided months before. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I disputed 2 accounts with equifax which I have no knowledge of and the dispute came back expired as the creditor never responded but the collections are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as XX/XX/2012 and this has hurt my credit.

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 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: DriveTime
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2020-06-24
Company: PENTAGON FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I applied for a deposit account with Pentagon FCU, simply an account for savings. I did not apply for a credit loan or any other type of credit product. However, a Hard Credit Inquiry was placed on my credit report record with XXXX, as Pentagon improperly performed a Hard Credit Inquiry which has negatively affected my credit score. 

I contacted XXXX XXXX in XXXX of XXXX regarding this issue. 

I have also tried to correct this error by submitting a dispute on 5 different occasions, each time the credit search has not been corrected. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX My XXXX XXXX has been negatively affected as my credit tier should be higher to qualify for lower rates on credit products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have several inquiries on my credit report that are not, and were not made by me, I have been a victim of identity fraud and I have an alert on my report to notify me if someone tries to open an account, and I talked with someone at the department store and company to have removed.but they said because of alert account wasnt open so no problem. But its a problem for me. The inquiries are listed below. 
XXXX XXXX/XXXX/XXXX, XXXX & XXXX. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, ( twice ) same day.
And theses inquiries are 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 explanation
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my number every day, sometimes twice a day. They are attempting to collect a debt owed by the previous owner of my phone number.

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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX XXXX  suffered a major security breach that left millions of consumers at risk for identity theft. The information compromised in this breach included consumers names, addresses, phone numbers, social security numbers, date of birth, along with other personal information that is important to keep secure, however XXXX  did not do this for any of their consumers. As a result of my information being compromised, several accounts and unauthorized information has been placed on my credit file. 

I have contacted you several times in regards to this incorrect information being posted on my credit file, I have requested in three different letters that you provide me with proper validation ( 609 letter ) proving this information as legal and correct. Your company has refused to provide me with legal documentation proving this information to be true. Under the Fair Debt Collection Protection Act I am currently bringing this information forth to a judge here in XXXX XXXX Georgia, on Monday XX/XX/XXXX if this information is not removed from my credit file within 24 hours. 

Legally I should not and will not continue to suffer mentally while your company continues to report this false information to my credit file. I am distressed that you have continued to report this false information, while also not providing me with the proper paperwork ( 609 debt validation ) which I have requested several times from 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 2018-06-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No information is provided unless I release me social security which I am not as I owe or do not have ANY outstanding debts. I am in very good standing with all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX/XXXX/2020, I contacted Creditors Collections in regards to a collection on my credit. I was asking questions about said debt and the lady, XXXX XXXX, was VERY rude. I asked if it was possible to get a receipt confirmation via fax, she said " Absolutley not, we never do that '' Okay, how about an email receipt? She said " That will take up to 36 hours '' I Said okay I '' m going to have to check with my advisor and see if that will be okay. ( I'm in the process of trying to buy a home so I needed proof of payment to this collector. ) I called back to pay the {$390.00} on the same day ( XXXX/XXXX/2020 ) I was put on hold for an extended amount of time, XXXX got on the phone with extremely poor customer service skills. Never asked me for my e-mail address and when I brought it up she said " It can take up to 72 hours for you '' .... at this point I told her she was being a XXXX and disconnected the call. I NEED PAYMENT CONFIRMATION 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 2021-03-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, while at work I received an email that my utility bill had been declined of payment, I then begin to look into my account, because I know I had the funds needed as I had just received my school refund on XXXX XXXX. When logging into my bank account, I notice my available balance was showing {$30.00} in my account, I then proceeded to look at my transaction history, where there were fraud charges made on my account one made on XX/XX/XXXX at a ATM location for three amounts of {$200.00} and one amount of {$100.00} on XX/XX/XXXX, the thief proceeded to also visit a second location, where they then took two more charges of {$200.00} taken out my account. These are not charges I am aware and did not authorize to be taken out my account. These transactions are all fraud transactions. So on XXXX/XXXX/XXXX when I realized the charges made I then reached out to my bank to cancel the card and get a replacement, and as well open a dispute investigation with my bank. These charges are being investigated by my bank now, and up to 45 days. I have reached out to the locations where the fraud happen on XXXX and XX/XX/XXXX to obtain additional information they could give as I am aware ATM locations does have cameras, however, I have yet to get a response or phone call back. As well as I did reach out to those city police departments and was directed to file the report with my local department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Conduent Incorporated
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My Way2Go prepaid Mastercard ( goprogram.com - XXXX  child support ) expired and I did not receive a replacement card. The only way to contact them for replacement is on the phone number listed XXXX. When calling I either get a heavy call volume call later message or when I get into the queue ( once every 10 tries ), after waiting for a while I get disconnected. This happens any time of day/night I tried calling their 24/7 line at XXXX XXXX, XXXX XXXX  etc and its always the same. It's been a month now and there's no way for me to get my child support money that's on the expired card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Good Afternoon. My name is XXXX XXXX XXXX. I currently have a investment account open with Coinbase Pro to purchase crypto currency. On XX/XX/2021, Coinbase Pro listed a new crypto currency on their platform called XXXX XXXX in which purchased XXXX valued at {$3200.00}. Due to an internal error by Coinbase, XXXX XXXX was listed at the incorrect price. Please be advised that price was inflated accidently by ten times the correct price. Many investors including myself bought the XXXX XXXX on XX/XX/XXXX via Coinbase Pro not knowing that the price was incorrect and highly inflated. Coinbase Pro refuses to acknowledge and rectify an internal error that caused many investors to lose XXXX percent of their investment. Please note that incorrect listing of XXXX XXXX limited the amount XXXX I could purchase and negated the profit that I would have made. After submitting a complaint to Coinbase, they responded stating " Per our trading rules- XXXX A limit order will only ever fill at the specified price or a better ''. Coinbase has caused many users of their platform lose funds. Please note that Coinbase is trying to avoid accountability for internal error that caused many investors to lose money. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received marketing from OneMain Financial. I have used XXXX Opt-Out, the DMA, and National Do Not Call to stop getting calls from telemarketers and credit card offers. I still continue to receive offers from companies who do not honor my request. I am asking that all companies that violate this are cited for the violation. XXXX XXXX repeated marketing to me for years after my request and even after repeated requests to stop their marketing i still received marketing. As with XXXX XXXX i am asking for {$1500.00} per violation and that the companies are cited for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: AES/PHEAA
State: PA
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:
XXXX XXXX XXXX I requested a payoff and was told that there higher fee 's paying off a loan. It seems the loan went up if it was to be paid off early. the interest is 5.750 % The servicing of the it seems no true owner of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Saturday XX/XX/XXXX I opened a checking account at SunTrust online. I then went to the branch inside XXXX on XXXX XXXX XXXX XXXX in XXXX, GA and deposited two checks totaling {$2700.00}. 

On Monday XX/XX/XXXX, I directed my employer, the XXXX XXXX XXXX XXXX to send my direct deposit payroll to the new account. And I set up a XXXX auto-withdrawal using the new account for XX/XX/XXXX. 

Unbeknownst to me also on Monday the XX/XX/XXXX the Suntrust fraud department decided to close my new account. I went on XXXX holiday in Maryland and New Jersey and did not find out about the closure until I returned on XX/XX/XXXX. In their letter they stated my funds should be sent in 15 business days if they are n't forfeited. 

I called the fraud department on the XX/XX/XXXX but they had no information except to tell me to visit a branch. 

I went to the Sun Trust XXXX, GA office Tuesday XX/XX/XXXX and the fraud department would n't tell them anything either. 

Of course my payroll check then bounced on the XX/XX/XXXXt and I had to get XXXX taken care of, but I really need to get my funds back from them. I had XXXX XXXX on the XX/XX/XXXX with a {$1700.00} copay and was counting on using that money to pay the 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 2017-12-06
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX  has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.

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 2018-06-05
Company: RESMAC, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender : Resmac INC NMLS # XXXX Resmac is marketing as XXXX and calling borrowers who are on Dot not call list. They are not setup operationally to check against the Do not call list and are not compliant with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have had a Amazon SYNCRONY Bank card, i found false charges of {$170.00} Amazon agrees with me and yet the Bank for over a month now has not refunded the monies

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