BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: National Credit Adjusters, LLC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are 2 small businesses that own the property in which we conduct business. We have never missed or been late on our payments in the 10 years we have banked with our lender, Bank of America. 

Our business mortgage was to mature end of XXXX of 2020. When the pandemic hit it became impossible to refinance as Retail and hospitality, the two businesses that's we are were hit and hit hard. The state mandated that we stay closed and business suffered tremendously. Banks were not interested in us. Still, we made our lender our priority and never missed a payment.

The bank wished to drop us as we have not been prompt with submitting the financial documents required in our covenant. They claimed that this was our default. They gave us an extension but charged us 1 %, or 12,000. We paid it. Still they claimed default as we didn't file our financial package and still couldn't get another bank to take over the loan. Why would they, due to COVID-19 and NY State '' s restrictions we were practically closed. Even when we're able to open, people didnt come out and our store was struggling. Still, we kept paying the lender and never missed a payment. And while we were trying to get our business back on track the battle was always uphill Still, the bank said that we must refinance elsewhere or we would be assessed the default rate of 6 % over the existing 5.5 % rate plus a 2 % fine over the balance. Or XXXX dollars. This would be a crushing blow to a business that has survived the economic environment from close to 50 years as well as a new fledgling coffee shop. 

Our payments are all and have always been current but now the bank wishes to institute the default rate and take another XXXX XXXX dollars. Our businesses can not afford this. 

Covid has put a strain on all businesses but mostly on retail and food, both of our businesses housed in this building. We are trying to refinance but it's been difficult. The state mandated that we stayed close to customers and we suffered as a result. Our payments are all still current and never were not. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/XXXX i sent XXXX ETH to a smart contract. On coinbase the status of the order was completed " successfully ". Few day after i check XXXX website i discover my transaction failed. I contacted the owner of the smart contract, he explained to me we can't send money to a smart contract with coinbase but my money is some where in the systeme and i have to contact coinbase to update my account. 

XX/XX/XXXX i opened a case to inform then, i need my private key to unlock my money. 

XX/XX/XXXX i received a content that " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' Case # XXXX. 

Till today i have zero information about my case in the mean time i try to contact coinbase through tweeter but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. XXXX credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, XXXX  had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last four of SS # is 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 2018-06-14
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently while conducting a monitor of my credit report I discovered that Keybridge has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Keybridge but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Keybridge to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2021-07-16
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Apparently starting XX/XX/2021 XXXX XXXX XXXX sold my loan to Mr Cooper without my consent or prior notification. My loan payments are set up on an auto draft. Several days AFTER XX/XX/2021, I received a letter saying the loan had been transferred and I needed to send a payment to Mr Cooper. I had no prior warning or input into this change!!! 

Since this letter was not a standard billing statement, I wasnt about to mail them a check until making sure my account hadnt been auto drafted for the XXXX payment. Within a couple days, I received a billing statement for XXXX showing I needed to pay XXXX and XXXX. I promptly made that payment for both months which was posted on XX/XX/2021. On XX/XX/2021 a letter was written to me saying I was 30 days behind on my loan payment. I greatly resent receiving any such letter!!! 

At no time should a loan servicing company transfer a loan and send notice to the mortgagor AFTER the payment date. Then have the audacity to send a 30 day late payment notice AFTER the payment was made. I did everything I could reasonably be expected to do and feel helpless in these loan servicing companies profiting from my loan without any regard for the mortgagor. Both servicing companies should have an obligation to notify the mortgagor at least 30-60 days BEFORE the loan is transferred not AFTER the payment is due!!! 

I am concerned my credit will be affected by this transfer due to no fault of my own. This process needs to be regulated to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I mailed a check for {$1700.00} to Comenity Mastercard on XX/XX/2021 to pay off a balance. On XX/XX/2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the amount, I placed a stop payment on the check and paid the card balance of {$1700.00} online. At this point the card is at a XXXX balance & I think I am done with Comenity Mastercard. 

On XX/XX/XXXX, Comenity Mastercard attempted to apply the {$1700.00} check to the account & charged me a {$29.00} fee returned check fee on an account that was at a zero balance. I called the customer service line, explained that the card was already paid in full when they tried to apply the check amount, that I had already paid a {$29.00} stop payment fee to my bank and that it is not fair to charge me a fee for a card with a zero balance. 

After speaking with 3 people, two claiming to be supervisors, the consensus at Comenity is that I should have let the check I presumed was lost in the mail be paid to whomever and then request Comenity to send me a refund for any over payment. 

I was also told that Comenity Mastercard must pass on charge back fees from their bank to customer ( because I am sure their profit margin can not absorb a {$29.00} fee ) even though my account was at a XXXX balance and I have no choice but to pay them an additional {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 2 inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file

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 2018-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with this servicer for the past 5 years, they are very unorganized. I submitted at least 3 full package of RMA, to the point that I am getting really good at it. I know what they ask for, application, proof of income, tax returns and bank statements. This servicer would need verification for each issue at least 2-3 times, also it is always " all we need is ''. Then turn around and requested for more information after I provided what they asked for via fax. There is a foreclosure sale day set, I am accruing their $ 6000+ attorney fees, interest and appraisal fees. Recently, I received a letter of denial, their reason is " did not receive the required documents within the timeline specified '' The application started on the end of XX/XX/XXXX, the last conversation was XX/XX/XXXX. They wanted me to verified on the phone about some issues, then they wanted me break down on a deposit on a from one of the bank statements, I faxed in the next day on XX/XX/XXXX. That was the last time I heard from the servicer. After receiving such denial letter, I called to find out what is " real '' reason for the denial. They told me it was due to the bank statement provided were too old. I would have provided more recent bank statements if they told me on XX/XX/XXXX. Furthermore, the time has lapsed since the application started on XX/XX/XXXX. I have a facsimile report that demonstrate I was submitting document in XX/XX/XXXX and throughout XX/XX/XXXX. I feel it is very unjust and they have no merit for the denial.

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 2020-07-28
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for the {$300.00} bonus promotion and got confirmation via phone call and inside the branch that the bonus code was attached to my account. I fulfilled the requirements for the bonus ( direct deposit over {$1500.00} within 90 days ) and should have received the {$300.00} bonus as of XX/XX/2020. However, I have not received the bonus. Please credit me the {$300.00} as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I changed cell phone providers in XX/XX/2020 from XXXX XXXX XXXX to Consumer cellular. The hotspot I use was purchased from XXXX XXXX XXXX and paid for in full when ordered. I contacted XXXX XXXX XXXX and advised I needed the device unlocked for use with another carrier. They took about two weeks to unlock the device which left it on their network for about three days which they billed {$110.00}. The amount due is the result of their poor customer service. I had been a customer for probably 20+ years with zero billing issues. I refuse the money grab by XXXX XXXX XXXX which has had a negative effect on my previous Fico score of XXXX. You don't achieve a score like that by not being financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to talk to the XXXX over and over again about the inquiry. 
And time and time again they have been Replying with I quote theirs nothing we can do for you. I just would very much like this situation too be handled by a higher up. 
Because obviously Im not get nowhere Near resolving the matter. So I do appreciate it If my all inquiries will be removed do to non Authorized and security breach. There are 19 inquiries that needs to be removed. 
Like yesterday. I really do appreciate all Your help and looking forward on hearing back from you thank you and have a blessed day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I rented a car through enterprise. They told me they would add a 300 dollar charge for security deposit and that when my reservation was over I would get it back to my us bank debit card.

A few mornings after I rented and now have the car, I woke up to my account saying 0. I called 24hr customer service and they informed me my account had been closed and the balance would be mailed in a check. I asked him about the security deposit and he told me to contact the branch manager that ordered the account closure. I called the branch manager the next morning and tried to figure out what was going on. She was so rude and nasty I was stunned. 
I couldnt believe she got the job because she was so ignorant and ghetto and Im XXXX so Im of the same ethnicity. I was being really patient and nice and she was just being rude and acted as if I was nothing. She had a full meltdown and tried to speak condescending and using baby talk ironically. It was really disturbing from a bank in the XXXX area. I told her I had kids and that I didnt know how they were going to eat while I wait the week for the check and she would just talk over me like YOOOOOUUUUURRRRR ACCCOOOOOOOUUUUNT IS CLOOOOOOOOOSED just really odd and unprofessional. I wasnt protesting the closure. I was trying to find out what will happen to my XXXX security deposit. The rental company told me they will only credit the account that has been closed. No other form of credit will be issued for my security deposit. 
They are not flexible to my situation either in terms of trying to change the card they will credit the {$300.00} but at least the people at the rental company were nice about it. Is there any hope for me? The rude manager was named XXXX. XXXX XXXX, IL branch ) I notified them that I would be filing with the cfpb as well as the ftc. I dont understand if they woke up on the side of the bed or what.

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 2020-07-28
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX the XXXX, my ex-boyfriend requested a loan with XXXX for XXXX USD to purchase a laptop from XXXX for a total of {$2800.00}, which as of today makes a total of {$3100.00}. Back then I allowed him to use my information only to create his account, and he had more information because I had entrusted it to him before, but I never have my consent for my information to be used to borrow a loan. Besides that, I was younger and did not have much experience with anything credit-related. 
I kept receiving emails for overdue payments but I still thought they were just because he had used my email address to create his account. All of these emails I forwarded them back to him until I stopped receiving them. 
On XX/XX/2020, I received the first message from True Accord informing me that they were going to be collecting the debt I owed to XXXX  for a loan I never borrowed. The only loan I had borrowed before was my school loan. I disputed this on XXXX the XXXX. 
On XXXX the XXXX I figured out that the date and company the loan had been borrowed from matched with the time my ex-boyfriend asked for my information and bought his laptop. 
I have been trying to solve this out directly with him, but since he has already scammed a lot of people before, including me in other occasions, I am reaching out to you to solve this myself.

Company response to consumer: Closed with explanation