BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: The CMI Group, Inc.
State: MA
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:
See attached letter from the XXXX XXXX XXXX XXXX, XXXX dated XXXX/XXXX/XXXX requesting {$1100.00} on behalf of XXXX XXXX. XXXX XXXX is not and has never been my Cable/Internet or Phone/Communication provider and I have always resided in XXXX, MA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Mr. Cooper Group Inc.
State: AL
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:
In 2020, my account was reported late 90 days ( XX/XX/ 2020 ) XXXX and again XX/XX/2020 with XXXX and XXXX. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was induced to apply for and purchase an American Express Gold XXXX credit card by an Amex employee who promised that I would be able to use the Gold card with a temporary/instant number, which was a lie and two charges were declined. The merchant told me personally that no charges went through. I want Amex to cancel the Gold Card, not charge/refund the annual fee, and rescind the hard credit inquiry. Basically reset to before Amex induced me to apply for the card. Amex refuses to do so and takes no responsibility for its misrepresentations and harm to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: GA
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 is incorrect

Complaint:
On XX/XX/2019 I completed information for pre-employment with the company XXXX XXXX XXXX in which they used Experian credit services to verify Identity. the system asked me four questions which were 1. current or past address - which I choose a past address which was also on a current copy of my credit report 2. current or past employment - which I choose my current employer which was also on my credit report that I had in front of me. 
3. the next question was which of the following persons currently or in the past lived with me - I choose none as none of the names applied to me especially since I have only lived with my wife and children for the past 17 years. 
4. The final question was current or past phone numbers in which all phone numbers begin with a XXXX which is a XXXX, Fl. USA area code I have never lived anywhere in Florida. 
The Identity verification failed because of information from experian I have called experian and they continually tried to sell me a 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
Consumer complaint received 2017-08-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase.com is requiring me to update some account information on their coinbase.com/ssn screen in order to do anything but miniscule sells in my account. Unfortunately, their system does not recognize my address as a valid address even though it is a valid address of a major apartment complex in a major city in the XXXX. 

I have tried to contact them numerous times since XXXX XXXX with no success. I 've tried via e-mail and via twitter ( both public and direct message to their account ). 

They do not respond, ever. I have seen many others have similar complaints. I fear this is part of a fraud or scam intended to make me give up on selling from my account until they have some excuse to confiscate my funds and use them for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: AL
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:
The account was paid as agreed.

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 2022-03-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi has a streaming service rebate that I signed up for. 
It reimburses the purchase if you use the citi debit card and enroll in the program. 
I did both but the purchase didnt register. 
After waiting the recommended 7 days, I call a representative and he confirmed that I was enrolled at the time and that the purchase should be reimbursed. 
He advised I contact my account manager.

Its been two weeks and he hasnt replied to my email.

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 2017-11-07
Company: CITIBANK, N.A.
State: MN
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 received an email today from XXXX Department store. The subject line was "Credit Card - Minimum Payment due Alert".  It provided my statement balance, Minimum due, Payment due date and last payment amount. It then stated "If a payment was already sent, or is scheduled to be paid, please disregard this message.  I have been a client of XXXX since 1996.  They just granted me the status of "Platinum Customer". I want to file this as a formal complaint against XXXX that they are sending email alerts about a payment that is due in five days.  This is horrible business practice.  I did let XXXX know that if another email as such came I would close my account. I would appreciate a response to this complaint

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 2019-05-12
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently..

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 2017-11-02
Company: Delta Management Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
a company by the name of Delta Management Associate InXXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in Illinois and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX 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 2021-10-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX. 2021 XXXX XXXX  on a Saturday. A buyer made a purchase through XXXX. 

Knowing that XXXX had successfully worked with me a few days prior, i assumed it will be a smooth transaction. 

After the buyer made the {$2100.00} purchase through XXXX Wells Fargo. This time i didn't receive the money and i would need to wait 2 days for wells fargo to deposit the funds. I find that odd because i used XXXX a few days earlier and it went through immediately. 

So i gave the buyer my item and i assumed that XXXX was irreversible and i will get my money eventually. 

an hour later the buyer Cancelled his XXXX  payment. I was irate because i thought XXXX was irreversible. I found out that in that particular day, wells fargo XXXX  were having issues receiving payments and technicians were working on getting it fixed. 

i filed a claim with wells fargo and i waited 10 business days. its already XX/XX/XXXX and i did not get any provisional credit at all. I called the claims department but still hav n't gotten any provisional credit. 


All i want is my {$2100.00} from wells fargo. I believe wells fargo screwed me over of my {$2100.00} because wells fargo XXXX was having problems in that particular day of the transaction. If i had known that wells fargo was having problems with XXXX, i wouldn't have sold my item via wells fargo XXXX. Unfortunately, i'm still out of my money and my item. 

here 's the claim # 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 2019-06-24
Company: Experian Information Solutions 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:
The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX   Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account : # XXXX Amount : {$2200.00}

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 2019-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Call chase on XX/XX/XXXX in to XX/XX/XXXX. Account locked and no one can tell me why but to call back at a later time, while my account is locked and I was placed on hold for 15 min until the operator waited for the appropriate department to close. Now I have not access to my bank on line account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: PA
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 identity theft issue ( someone else obtaining medical care ) has affected my ability to obtain substantial credit to provide for my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Information belongs to someone else

Complaint:
After reviewing my credit report I noticed several fraudulent accounts.

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 2022-03-07
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

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 2017-11-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt not validated I contacted ERC to have them validate an unknown credit collection account ( XXXX # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello Consumer Financial Protection Bureau, and thank you for you services in providing consumers against the deceptive practices of against companies, including the one I am filing this complaint against, in the financial protection commerce industry. With that being said, I would like to inform you of the Fair Debt Collection Practice Act ( FDCPA ) violations that this company has committed in an attempt to collect an alleged debt. To begin this company has violated statute 15 USC 1692c ( a ), this company has contacted me about an alleged debt when I did not give them consent to do so, it is to a universal awareness that a debt collector must not use such tactics without a consumer 's consent. I would also like to mention their violation of 15 USC 1692c ( b ) by communicating with a third party company regarding my personal information without my consent being granted to them to do so. Let me remind you, under this subchapter, that this company must not communicate anything about this alleged debt with no other person besides my attorney, a consumer reporting agency if permitted by law or myself, and this company violated this. This company has also violated statute 15 USC 1692d by continuing to harass me, a consumer, with their deceptive tactics. I do not feel comfortable knowing that a company can continue to commit violations of laws that protect consumers and not face consequences for it. This company is also harassing me by attempting to collect any money that can from me in relation to this alleged debt by trying to get me to pay a discounted amount that was never agreed on, which leads me to their next violation. This company has violated 15 USC 1692F ( 1 ) by attempting to collect on an amount that was never agreed upon by me. This company is attempting to get me to settle for an alleged debt by offering me some sort of discount. If that is not unfair practices from a debt collector than I am very confused. Let me also remind this company that they are also in violation of 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) by sharing medical information or any related information to such manner including personal information to credit reporting agencies.

As you can see this company has violated quite a few prominent laws that help protect us consumers. I refuse to let this company continue to commit these violations, not just for me but for other consumers facing difficulty during these tough times. 

To help with this complaint I have attached a letter sent to me from this company including the violations I am referencing. 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Since XX/XX/XXXX, I had only received 2 letters in the mail at my address of XXXX XXXX XXXX. I had received a letter in the mail at my XXXX XXXX XXXX home a year ago in regards to applying for assistance in making the payment but did not send in the paperwork because I would not have been approved due to annual income. I feel that I was not given a reasonable amount of time or chances for someone to contact me in regards to payments and out of nowhere began receiving letters in XX/XX/XXXX that my account was now in collections. When contacting XXXX XXXX XXXX, they stated I did not return the paperwork for assistance and so they sent it to collections. I feel this is wrong and they should have contacted me even just asking how the paperwork was going or if I had any questions. Then could have told me to start setting up payments to avoid having the account go into collections. There was no heads up given nor any attempt from XXXX XXXX XXXX in getting my account paid for through them instead of dealing with a collection agency.

Company response to consumer: Closed with explanation