BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax continues to put a security freeze on my credit report without authorization. I called Equifax to resolve this issue today! The same person answers the phone each time. I thought this was resolve previously but it is happening again ... please with this issue! 

Thanks, Mr. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry and their law firm XXXX XXXX XXXX have been using false representations trying to collect a debt from me without any evidence that the debt is mine and that they own the debt. 

Among other wrongs, they have used a false credit card agreement to verify the debt and to file the lawsuit. The real credit card agreement for the alleged account, which can be obtained from the supposed original creditor XXXX or from the CFPB database, is markedly different from the credit agreement they have been attempting to collect with. This is in violation of the FDCPA. 

Again, they filed a lawsuit against me 3 days after the statute of limitations had expired, according to the last payment dates on the credit card statements they provided in debt validation and in court. And in order to trick the court into getting a judgement against me, they submitted a random computer printout where the date of last payment was changed to be the very last day of the statute of limitations so it looks like they filed the lawsuit just in time. They tried to use the court to collect a debt using evidence that had two different dates of last payments with no explanations for the  inconsistencies. 

Again, the amount they claim is owed on the debt and reported to the credit bureaus is different from the amounts on the alleged credit card statements they provided as validation and in court. So yes theyre validating and trying to collect a debt using documents that show two different amounts owed with no explanation. 

Again, they are attempting to collect a debt using an affidavit which contains a notary signature that appears to be forged. The signature appears as a pixelated image, in stark contrast to the other signatures and marks on rest of the document. This is not an artifact of photocopying, and is consistent with digital forgery. 

When I pointed out to them that I do not owe the debt and showed up to trial ready to put an end to it, they non-suited without prejudice, so as to avoid getting a judgement against them, so that they can keep tarnishing my credit reports with the hopes that I will one day send them money. 

Theyve had nothing to say about all these violations and lack of evidence that the debt is mine and have refused to take this off my credit report. 

Cavalry and their attorneys have committed multiple violations of debt collection and common laws and have refused to stop collection and remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery is attempting to collect on a Debt, that I never received a letter from Enhanced Recovery regarding any information about the debt that they never validated the debt and are illegally reporting. There has been no written correspondence to me regarding this Debt from Enhances Recovery. The original owner of the Debt is XXXX XXXX. Enhance Recovery does not have a contract baring my signature with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for 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 2019-07-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
XXXX  obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed 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 explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX, XXXX XXXX XXXX Over two years ago XX/XX/XXXX we refinanced our office building with Chase Bank. On XX/XX/XXXX. I was contacted by XXXX XXXX XXXX from Chase Bank that I needed to come in to sign closing papers for the office we already did two year 's ago. I went in to see XXXX XXXX and he wanted me to resign the closing papers for our office that I already signed & I thought we had already been to closing, XXXX XXXX XXXX told me that they had lost the paperwork and it was never filed and they never used a title company. So, I told them I wasn't about to sign anything until I had an attorney look at it. So, I told a friend of mine who is a realtor about this & he put me in touch with a tile company XXXX XXXX at XXXX XXXX XXXX. XXXX searched the title and nothing had been filed at the recorder by Chase Bank. The original lien holder XXXX XXXX that I had paid off was still there as lien holder. I went through the contract that Chase Bank XXXX XXXX wanted me to sign and they had changed it all up from the original contract XXXX years previous. The Colorado XXXX XXXX XXXX XXXX XXXX, XXXX Said that Chase Bank has lost the original release of lien from XXXX XXXX and that is a problem. I tried over & over to try to get Chase Bank to take care of this matter. My attorney XXXX XXXX contacted XXXX XXXX XXXX & XXXX XXXX with no response. XXXX even sent a demand letter with no response. I got the point where I can not continue to pay an attorney. My attorney even gave me a break on my bill because he felt sorry for me. I guess Chase Bank is so big they don't have to reply to anyone they don't want to. I still pay my monthly payment on time, I've never been late. They charged me closing cost & filling fees that were never performed/filed. 

I told them if they would use the original contract as well as pay my attorney bill I would sign it. 
Chase Bank, XXXX XXXX XXXX ( XXXX ) XXXX & XXXX XXXX ( XXXX ) XXXX will not respond back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: OH
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:
Over the course of the year XX/XX/XXXX I called the credit bureau to get negative items and inquires off my credit report the credit bureau refused to remove the inquires I saw on my report and items ( inquires ) were removed and placed back on my report they didnt notify me in writing within 5 days and they violate under The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order All other inquiries that are not related to none of the aforementioned permissible purposes must be removed! I did not authorize none of the inquires on my report for XX/XX/XXXX & XX/XX/XXXX. I ask that all inquires be removed off my 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 2019-10-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this bill from the beginning, This account is over 3 years old. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. The rep then told me she's not sure what the charges are. This was originally placed with XXXX XXXX collections and then XXXX and they both returned it to XXXX and XXXX and now Enhanced Recovery has ruined my credit by reporting this debit as NEW on my credit report. This is fraudulent information. This debt was reported to my credit report BEFORE I received anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
my account was closed by the company. they told me that they would return my call to explain why. i have a balance on the card and have never made a late payment. i was told to reapply for the card but when i tried i was denied. i have an excellent payment history and very good credit. customer service was absolutely terrible with long wait times and customer service members that could not give me any answers.very very unprofessional customer service. i called a total of 3 times and was hung up on.

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 2022-12-16
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial has three times in one year lost my mortgage payment. This forced me to make an emergency online payment to avoid late fees. Subsequently, my first check was cashed by BSI, just a few days after the deadline. Although that then covered the NEXT month, its not easy to suddenly come up with XXXX  of dollars in my monthly cash flow because of someone else 's incompetence. This happened in XXXX, XXXX and XXXX of 2022. ( It is reflected in the online records of my account at BSI ) Either they are incompetent or trying to squeeze people for fees. I get paid on the last day of the month ; I mail my mortgage on the next day - like clockwork. If a company offers pay by mail, they need to competently process mail. I have not had this issue in 30 years with any other mortgage company or utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CITI closed my new XXXX Card credit card without prior warning. The account was in good standing, never a late payment and a low balance. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.

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 2019-07-29
Company: Affiliated Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to formally inform you that I have been attempting to cancel my membership with XXXX XXXX XXXX of XXXX since XX/XX/XXXX due to having a medical emergency a XXXX and recurring XXXX. I was on XXXX for over 8 months my XXXX  would not allow me to drive and I was also on unpaid XXXX. I spoke with Master XXXX in XX/XX/XXXX he said he couldnt cancel the contract and would provide 2 free months that I could use. I explained to him that I couldnt drive my daughter to the classes. My daughter taking Marital Arts is not an immediate need like food, clothing and shelter and under the circumstances my contract should have been canceled it is not a necessity to survive. 
According to the terms and conditions in the contract, I may cancel without paying the full yearly dues if my physical condition does not allow me to use the membership. Up until my XXXX my daughter enjoyed my attending XXXX XXXX XXXX. 
I request a written confirmation from you that my membership in XXXX XXXX XXXX of XXXX is cancelled and that I dont owe in membership in rear. Thank you for processing my cancellation in a timely manner. 

I last paid XXXX of XXXX Start of contract of 18 month contract XX/XX/XXXX Affiliated Acceptance Corp says I owe from XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX The company and original debtor XXXX XXXX XXXX have refused to cancel membership due to my medical emergency and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I consolidated all my loans ( Federal stafford, Graduate plus, etc ) back in XXXX Navient. Navient left out 7 loans from XXXX & XXXX from the consolidation and never offered to add this loans back into one consolidated loans even though they were eligible. Now when I am trying to apply for Public Service Loan Forgiveness program, I am being informed that not a single payment made for the last 7 years under the IBR will not count towards the forgiveness program. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: U.S. BANCORP
State: OK
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:
Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 from XXXX XXXX. I did not authorize this inquiry to on my credit report and i Have a security freeze on all my credit report which require anyone to verify anyone attempting to use my Social security number to contact me first before opening any new account. I am asking that this inquiry be removed from my report immediately. 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 2018-01-10
Company: Exeter Finance Corp.
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:
I have two accounts reporting on my credit report that I am disagreeing with. These two accounts are XXXX XXXX XXXX # XXXX & Exeter Finance Corp XXXX XXXX. I reported to XXXX XXXX, XXXX XXXX and simply ask them to verify the documents are mine under the FCRA. They claim that the documentation is mine but they failed to provide me a copy of any original documentation or contract with my signature on it as required under the FCRA section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly deleted all information which can not be verified.The credit bureaus have given me such a hard time about this and it has made my life miserable, and I 'm a forced to live like a second-class citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi I can not get hold of Coinbase who have money of mine, I have emailed 11 times over the last 2 weeks with not one response. I have done everything they instructed but still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account this past summer at US Bank. The account was closed a few months after opening it by the branch manager, XXXX XXXX because labeled the account as a " fraud account. '' In addition to closing the account, he charged me {$19.00} for a stop payment check discounting the facts. The account was not compromised. Additionally, the account was not overdrawn. I went into the local branch on XX/XX/2018 to discuss the issue because Mr. XXXX agreed to contact me prior to determining whether or not, he was going to close the account ; however, he did not. Upon arrival, Mr. XXXX greeted my daughter and I in a hostile, brash manner. His tone was abrasive and condescending. His deameanor was cold and unwelcoming ; very unconcerning and judgmental. After speaking with Mr. XXXX and providing him with evidence that the payment that was stopped was not within my control and action was taken against the company that stopped payment, Mr. XXXX assured me that the {$19.00} would be refunded within a week. It has been one month and I have yet to receive my refund in addition to me not receiving the {$200.00} incentive for opening the account because Mr. XXXX elected to close it.

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 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX in XXXX and extended warranty from XXXX XXXX. The very next day of the purchase the car battery died, and I have been experiencing issues with the car since. Fast forward to XX/XX/XXXX. The Engine on the van went bad and needed to be replaced. I called XXXX XXXX and they refused to cover the cost to replace the engine. I called Capital One Auto Financing for a voluntary repossession of the van and they refused to take the van back because the car is not in my possession. The car is located at the service department and can not be driven. I also requested this in writing and Capital One again refused. I dont know what to do, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Eastern Revenue, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX,2013 XXXX XXXX was already paid. However its still showing on my report that I owe {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. 
Date Reported : XX/XX/XXXX Collection Agency Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status Comments Medical ACCOUNTS REC CONSULTANTS XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} {$700.00} XX/XX/XXXX UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency Contact ACCOUNTS REC CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase Bitcoin Exchange Case # XXXX XX/XX/2017 I can not withdraw a XXXX of dollars worth of Bitcoin virtual currency because I no longer own one of two email addresses required in order for me to authorize the withdrawal via email. I submitted my initial request for assistance from Coinbase in XXXX and although I 've been told that there is a solution, three months later I have n't seen any progress whatsoever and have n't received a single reply to my requests for updates in over a month. 

BTC Vault XXXX BTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/17 I sent a bank wire deposit of {$1200.00} and has still not been a credit to my account on coinbase I called the customer service support number no response have been sending emails and keep getting automated emails giving me instructions how to do it and it still does not work I have followed every instruction that they required

Company response to consumer: Closed with explanation