BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I used to work with coinbase to buy bitcoins and till now everything worked fine. 
1-2 weeks ago when bitcoin price crashed a bit i wanted to buy some bitcoins fast. 

so like every time i logged in and ordered some bitcoins. 
after the purchase i was asked to verify to speed things up else they would hold the coins for 3 days. Which was strange because i already was verified! 
i tried to verify again ( they asked for driver license ) but on the mobile it did not work and on my pc i have no webcam.. after some tries i got a error message and was logged out. Now i cant login because my account got locked. 

i already tried to contact their support of course but on phone i gave up cause no one i answered for over 30 minutes and via email i got an automated email they are " looking '' at it.. 

i ordered the bitcoins ( worth XXXX ) on XXXX 2017 and so i got not a single response till now! 
i just want my account to be unlocked and send the bitcoins to my wallet..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: CERTAINTY HOME LOANS LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I made a mortgage payment to Certainty Home Loans. I did not realize that XXXX XXXX XXXX was the new servicer. Certainty Home Loans did not forward my payment to XXXX XXXX Loans until XX/XX/2019. By that time my loan was sold to XXXX. XXXX began servicing the loan on XX/XX/2019. I have reached out to all three companies repeatedly for several months ( via phone and email ) and provided proof of payment but no one has been able to get my payment recorded properly. I am XXXX XXXX military ( XXXX XXXX ) and currently on XXXX XXXX  assignment away from home. I should not have to continue to reach out to these companies with no resolution. I would like my credit report fixed and any late fees/interest credited to my loan. I believe all three companies are in violation of RESPA and FCRA.

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 2021-06-04
Company: Experian Information Solutions Inc.
State: SC
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 the victim of identity theft. Proven in court and by the FBI. Fingerprints did not match. 
Experian credit reporting has broken the law, specifically section 605B of the FCRA. 
Experian removed a fraudulent account back on XX/XX/2019, which was XXXX XXXX XXXX. I contacted XXXX XXXX to get my social security number out of their system. Instead of removing my info, they changed the fraudulent account information to mine, including my name and address and other info, illegally. Address I never lived at, a name I never used. Experian is guilty and they claimed to have investigated this, and that the account removed 2 years ago, now is verified as mine. Lies and harm heaped on 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 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Trans Union is reporting an account on my credit report that i no longer owe the original company is XXXX and it was sold to XXXX XXXX and all debts are now clear with XXXX XXXX. I have included letters from both companies stating so.

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 2019-09-21
Company: Navient Solutions, LLC.
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:
My original student loans were with a company named XXXX. Navient purchased these debts from XXXX. I do not know what my balances were at that time. I did receive a letter in the mail at that time stating that Navient was to be my new creditor. 

I have never taken out a loan with Navient. I have never had any dealings with Navient, though i do acknowledge that they hold my original debts that i had with XXXX. I believe my original loans were cumulatively around the amount of $ XXXX. 

Every month for as far as i can look back and see, Navient has reported that i have increased and decreased the amounts of my loans. They are doing this in such a way that they maintain that the balances on my loans are atleast {$2500.00} more than is accurate and honest. This is fraud and they are knowingly doing it. Navient reports that i increase my balance by over {$2500.00} every month, and then on the last day of the month they claim that i pay the loans down by {$2500.00} ish, and ON THAT SAME DAY, they claim i increase my loans again by the same amount. due to this method of fraudulent activity, if i were to call and ask for a payoff amount on my loans right now, they would tell me that my loans are actually $ XXXX more than is accurate. 

This effects me in a negative manner in a couple of ways. first, it keeps my debts looking higher than they should be on my credit report. This was the dead give away to me that something wasnt right. This is why i looked into the matter and found out exactly what they are doing. secondly, this effects the amount of interest they are tacking onto my loans while my loans are sitting in deferment. With the balances looking much higher than they actually are- Navient charges an interest rate monthly on that higher fraudulent amount ( rather than a lower honest amount ). Because of this, every month, i have higher than honest amounts of interest tacked onto the over all balance of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by Vance & Huffman ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. 

Vance and Huffman , LLC contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or XXXX XXXX bank at any time. 

I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Horizon Debt Group, LLC
State: NY
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:
Loan holder : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX Complaint against : XXXX XXXX XXXX XXXX In XX/XX/XXXX I entered into a student loan consolidation contract with them. On XX/XX/XXXX {$130.00} was paid and on XX/XX/XXXX {$130.00} was paid. The third payment was kicked back for insufficient funds. I attempted to contact XXXX XXXX XXXX XXXX to arrange for correction of this issue and never was contacted back. The number I was given to call them had a blank answering machine. With no return of my calls. E-mail 's were kicked back as not a valid address. I was never contacted back by them in any way. 

This month, I discovered, XXXX XXXX XXXX XXXX had no contact with the company holding my loan and no funds went to the balance. I have still not been able to get anyone from XXXX XXXX XXXX to contact me back. I was apprehensive to go forward with any other consolidation of my loan because I was unsure if I would be breaking my contract with them. 

XXXX XXXX XXXX was the company I was paying XXXX XXXX lXXXX XXXX through. I was able to contact them. XXXX XXXX XXXX no longer deals with XXXX XXXX XXXX and was unable to provide me a date when this severance of service occurred. I was provided with the same contact number I had left messages on several times # XXXX and an e-mail of XXXX. Previously I was contacting e-mail XXXX, which is no longer active. There e-mails also had XXXX Consolidation Department, XXXX. XXXX XXXX, XXXX, PA XXXX XXXX as an address. 
No one has answered me back from either of these contact points. 

The loss of the {$260.00} was nothing compared to finding out I couldnt purchase a home because my student loan was in default. This should never happen to anyone! 

I have the form that I signed concerning the loan and it looks very genuine. Please contact me if any further information is needed as I am very concerned with uploading documents with personal information.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-10
Company: Bread Financial Holdings, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am the merchant in this complaint. The bank offered my client a 12 month ( same as cash ) line of credit to make a purchase. The client made the purchase in XX/XX/XXXX. At the end of the 12 month term, the client was charged fees and interest by Alliance Data. Over the course of the next several months, the client disputed it with Alliance Data and called us to find out if there is anything we can do. Alliance data contacted us and asked for the client 's signed CBC receipt. We did not have it since the request came approx. 23 months after the receipt was signed. Alliance Data communicated that if we did not provide the signed CBC receipt that the I ( merchant ) could be responsible for any monies due. I read the Terms and Conditions that I originally signed and it did not state that we needed to keep this signed receipt for 18 months after the term was completed. I disputed this with Alliance Data and they responded with a Bank Operating Procedures document that was never provided to me that contains more detail and additional terms and conditions. The last communication was from me via email on XX/XX/XXXXstating that I do not have the signed CBC receipt. No communication was received from Alliance Data after I sent that email. On XX/XX/XXXX, Alliance Data debited my business checking acct {$6100.00}. Still to date, I have received no information regarding what this is for, why this amount, or any means to provide a rebuttal. My complaint is two fold - Alliance Data 's T & C 's contain no specificity. If I knew I had to retain documents for 30 months from signature, I would do so. Plus, this Bank Operating Procedure document that was provided after the fact should be part of the T & C 's I signed and should not be a separate document. My second complaint is Alliance Data 's failure to provide any supporting documentation as to what the {$6100.00} that was debited from my account is for? Their rebuttal process, dispute resolution process and dispute management is non-existent. In the past, if I receive a charge back from a credit card, there are clear procedures on what is being disputed and how to resolve it.

Lastly, the client states that have paid the balance and has provided me documentation to prove this. Alliance Data has not provided any documentation so I don't have a means to reconcile this issue and have to " trust '' that Alliance Data is correct. I can provide client records showing payment if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: VA
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 disputed a medical bill from XXXX XXXX XXXX on XXXX and Equifax credit reporting agency because I don't recall owing that debt, the medical bill was removed from XXXX but not from Equifax to date which is negatively impacting my credit score. Amount : {$110.00} and original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I noticed that there were charges on my XXXX credit and debit card totaling XXXX and XXXX from a gym membership in XXXX XXXX that never went through ( I live in WA ) all made on XX/XX/XXXX or XX/XX/XXXX. My Capital One credit card was charged totaling XXXX all made on XX/XX/XXXX or XX/XX/XXXX. I looked into it further and realized that my wallet was stolen. I submitted a police report as well as an incident report to my apartment complex. Then over the next few days I contacted both credit unions and said my cards were stolen and filed for fraud - online through XXXX and over the phone through Capital One. 
I received new one tap versions of my old cards and had to call again for actual new cards. 

By XX/XX/XXXX XXXX had credited me back the XXXX and it was over and done with and everything was settled with XXXX. 

Capital One credited me back the XXXX and started an investigation. However, on XX/XX/XXXX I received a letter from Capital One stating that they had found no indications of fraud and would be charging my account the full XXXX. I called them on I think XX/XX/XXXX and was taken to their Credit Fraud team and was told that they could not help me as they werent the actual team that investigates the fraud, but that they would contact the team on my behalf and that I should wait, and so I did. I waited a week and when there was no correspondence from them and the charges were still on my account I called on XX/XX/XXXX I believe and got transferred to their fraud team again. This time they told me that I needed to submit more evidence that it was not me making those purchases and once I did they would look to reopening the investigation. So they sent me a link and I submitted the apartment incident report and police report ( they have not gotten back to me ) as well as the charge from my XXXX account from XXXX XXXX and then I waited again. After another week there is still no correspondence from them and the charges are still on my account. I call them AGAIN on XX/XX/XXXX and this time the fraud team transfers me to a manager. I explain my situation and she looks at the notes and tells me everything I already know and heard. I tell that I already submitted more evidence and she seemed surprised by this, as if no one had even looked at my evidence and just left me hanging. She tells me that I have to wait another 7-10 days for them to send me a letter and that they would investigate further, even though they should have when I submitted the evidence. Now I have to wait another week to try and resolve everything and make it so I dont have to be charged for money stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
Company: Ditech Financial LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Ditech Financial has been trying to collect on a 2nd mortgage in the amount of {$100000.00} from me since my ex-husband filed bankruptcy. It began on XX/XX/XXXX with a letter informing me they were attempting to collect a debt. Since then it has escalated to multiple phone calls per day, as well as threats they could sue, seize bank accounts or put liens on my property. 

The 2nd mortgage went into default in XX/XX/XXXX. It appeared on my credit report in XX/XX/XXXX, and was removed from my credit report in XX/XX/XXXX, because of the statute of limitations. 
In Colorado, the Statute of Limitations to collect a mortgage debt is 6 years. 

On XX/XX/XXXX, I spoke with a Supervisor named XXXX, extension XXXX. He stated they have a right to collect this debt until the year XX/XX/XXXX. The phone calls continue, with the threat that if I don't pay something to them, they could escalate seize bank accounts or property. 

They also said I signed paperwork that said they could collect this debt up to the year XX/XX/XXXX, which I never did. I asked for the specific paperwork, and they said they couldn't mail it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Performant Financial Corporation
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 status incorrect

Complaint:
Good afternoon my name is XXXX XXXX, my claim is against the performant company because they report my credit card and put it into a debt collection and take it to a criminal account for an amount of {$250.00} which does not explain where that charge comes from. And not only that, but also affected my credit score with the buroe credit and already pay off the amount of {$250.00} and is still reflected in my credit card as a debt colletion and they did not remove it. Please, I need an answer or a solve of the problem with my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Automated Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On the last week of XXXX, I received a call from Automated Collection Services , Inc. regarding an alleged balance with XXXX Hospital. The lady was talking nonstop about the balance and how I need to pay over the phone asap. As I tried to tell her that I haven't received the bill because I am out of the country, she began talking over me, making sarcastic comments on how come I didn't receive the bill, etc. At which point, I had to raise my voice so I can advise her once more that I am out of the country. I gave her my email to email me the bill, which she said she would that week. Through the call, her harassing tone was annoying. 
A week passed with no email, and on XX/XX/XXXX, another rude and ill-mannered female called and asked me to pay again, while she too was harassing me about the bill. Again, I had to raise my voice so she can finally hear that I haven't received the email. In fact, I told her to forward me that email ( since according to her was sent to me ) while we were on the phone, and instead, she continued to harass and finally, she hung up the phone. 

I called back and spoke to her manager who apologized, however, I do not appreciate being harassed like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam.

Company response to consumer: Closed with explanation