BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I did apply for a Cash Wise credit card from Wells Fargo. I am already a customer of Wells Fargo, so I applied after logging in to my account. The application was instantaneously approved, I received an email about teh approval on XX/XX/XXXX. My online account reflected that this was opened. I was also seeing on my credit report that a hard inquiry was made about my credit, which made my score drop from XXXX to XXXX. 

On XX/XX/XXXX I noticed when checking my account, that the new account was showing that it was closed. I contacted Wells Fargo thru the website, but was told, they would not answer online. 

On XX/XX/XXXX I called them. ( I am currently travelling so this was an interantional call and I made the agents aware of that ). All together I was transfered to 5 different agents and had to give them all my details again after each transfer. It was annoying and expensive. 

Finally XXXX XXXX XXXX from the Credit Executive Office told me, that her office and the fraud division had decided that my application was fraudulent. I asked, why they would not inform me about this? I did n't get an answer. I also told her, that I want to file a complaint with the regulatory body in charge and asked her, whom I would have to contact. She said, her office was the highest authority and there was no address she could give me. I also wanted a written appology and explanation, why my account was closed. She denied that. 

She promissed me that they had initiated procedures to eliminate the hard requiry from my records at the credit agencies, but this would take time. I would not get confirmation by Wells Fargo about the successful removal, but would have to check that myself.

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 2019-10-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have tried multiple times to withdraw funds from my coinbase wallet but transactions keep getting stuck in pending. 

XX/XX/XXXX - Tried to withdraw XXXX Link but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX ZRX but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX Link but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX XXXX but transaction is stuck in pending I have contacted Coinbase support through multiple channels including telephone, several e-mail addresses and XXXX but have received no adequate response or any assistance what so ever with my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account has been re-aged and clearly there is no proper investigation as to what really happened here. The date is way back XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XXXX XXXX, 2017 Hyundai Finance is reporting a negative credit reporting to the XXXX XXXX XXXX XXXX and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XXXX XXXX, 2017. I received the certified return receipt notice dated XXXX XXXX, 2017 in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Credit Bureau Collection Services, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receive notice from credit bureau that a collection file was added to the 3 credit bureau, for a XXXX dollar debt. I have yet to receive a written documentation from this collection agency in order for the right to confirm, or reply for verification of debt per. the fair credit reporting act. But they added this debt without giving me due process to verify this debt. In doing such I had no right to dispute or confirm if this an original debt is correct. in doing this unfair practice my credit score was drop, and made collection added as if it valid. I 'm a single parent trying to do right I will not be rail roaded unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a dispute letter with on XX/XX/2021 XXXX, XXXX and Experian regarding a several accounts that are reporting on my consumer reports that are unverified and other accounts that were opened fraudulently and were closed due to fraud and Experian refuses to remove it. 

The account is being reported as bad debit when in reality it was fraud that was never investigated. 

Its been more than 30 days and the accounts in my letters are still reporting. 
Under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 non-monetary relief
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: MO
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:
I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2017-07-09
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is dated for XX/XX/XXXX ( was at work ) or XX/XX/XXXX ( moved back to NJ in XX/XX/XXXX ) for XXXX. I never received a notice on this debt, the debt is on my credited report. I called the collection agency I told them that this debt does not belong to me and to remove their name from all XXXX credited bureau, because it 's affecting my credit score. I was told they could not do that the debt is in my name and I had to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX reported balance to collection agency on XX/XX/XXXX. I received letter XX/XX/XXXX from On Line Information Services I called disputed the charges. They called me back with itemized list of charges, I contacted XXXX XXXX explained that why I cancelled my service and that their saleperson sold me a plan that wouldn't work with the previous antenna I purchased from them and that they scheduled a technician to come install and at that time the technician explained the error of the saleperson. The office manager I spoke with told me she would look into it and get back to me. I received no other communication from XXXX XXXX then on XX/XX/XXXX I received letter from XXXX that my dispute had been updated to report paid in full. Several months went by then Online Information Service contacted me again I didn't get the persons name but she spoke to her supervisor he advised I mail a copy of the XXXX  report to them and they would resolve the account. Today XX/XX/XXXX I receive a phone call from Online information service wanting me to make a payment over the phone for the outstanding balance. I explained the details of what has happened and the papers I sent and she stated I need to pay I refused. I told them I was reporting the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech Financial LLC F/K/A XXXX XXXX XXXX XXXX XXXXooking to start foreclosure action against me when they inaccurately changed my mortgage payment and interest rate. Payments they were requesting for months that payments were already made to them. Also, I was n't sure who to legally make payments to because my loan was refinance with XXXX XXXX XXXX. 
This loan was reassigned so many times with different lenders. 
Also, I noticed constantly on XXXX, information is being inaccurately reported by different servicing company. My understanding is that XXXXXXXX XXXX XXXXXXXX, filed bankruptcy and I am not sure what 's going on with my note and which bank legally owns this note. 
I am requesting for this company to be investigated in regards to their claim regarding my mortgage note if they legally own it. 
They send me incorrect information on my mortgage payment and I am not sure what 's going on if they legally own this note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: SYNCHRONY FINANCIAL
State: MA
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:
On XX/XX/XXXX I placed an order with XXXX XXXX XXXX online ordering for an animal planet playset in the amount of {$3500.00}. The amount was pending and as it shipped on XX/XX/XXXX was cleared and taken out of the account. Their was a problem with the delivery service and package was said to have been delivered XXXX but it was not at my home. I called the online phone number and the person was going to cancel the order and I was going to repurchase the same item. This " second '' order never took place and my information was not entered into any system to reorder it. After that phone call I called payment center and noticed that another amount of {$35.00} was not available in the balance I had on the card. I called the next day because the package did show up but it was late and the delivery service was contacted as well. I was on the phone for almost 2 hours with a rep trying to figure out why I had a pending transaction with no order. She told me in 3-5 days it should drop and be resolved. Well I checked after 5 days and no change. This was XX/XX/XXXX. I called them again and was told to give it a week because this person was going to try to cancel it as well. Well no change yet again and I called again .... and this time they said it would be resolved in 7 days but again was not. I called XX/XX/XXXX and was extremely angry about this and was said that because of the trouble they would resolve this by refunding me the amount {$35.00} and it would be all taken care of in 5-7 days. Today I called to check if everything was all set and I got charged another {$10.00} when I have n't used my card since XX/XX/XXXX for the original purchase. I have an email confirmation of the original order and a complaint I emailed to the delivery service that the package did not arrive on time. I also have reference numbers for the conversations I 've had with XXXX XXXX XXXX costumer service line. I was told by a manager to call my bank. I did however call the credit service and they said I did not have an additional charge and I was told because it was a hold not a charge by customer service line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Filed chapter XXXX to stop a second foreclosure. Paid {$550.00} a month to the trustee for 4 months. The plan was all in place. PHH refused to work with the Chapter XXXX plan so they dismissed my case. And my attorney took off so this did not help me in getting back in to court. What good is filing a chapter XXXX if PHH is not forced to work the plan. So now they want to foreclose on me again. I just received my final report from Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Opportunity Financial, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My name is XXXX XXXX I called opploans on tuesday on the XX/XX/XXXX to schedule a partial payment of XXXX dollars for my loan. And when i checked my bank account online they charged me twice the full amount of the minimum and the partial payment. I have other bill payments scheduled today and their negligence will cause my bank to overdraft and my insurance company will cancel my insurance for returned payment. The only thing I want to happen is for them to put my money back to my card. My bills can not wait 1 week and they adviced me to wait one week for the refund. I need your assistance regarding this matter. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information.
By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX.
I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report.
I want an investigation as to why they have n't corrected my Credit Report.
Waiting for a Reply.
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 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Submitted written documents to dispute invalid inquiries from my 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 2017-07-09
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have obtained a recent copy of my credit report and have come to notice that there are just a few outstanding collections that I have no verification and or validation from and have asked the CRA Equifax to take care of these issues for me.
The ones that are troubling are the medical collections in which may be violating my patient confidentiality and is a HIPPA violation.
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Certified letter has been sent to Equifax requesting the same.
Tracking number XXXX - Equifax Credit Information Services, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: SUNTRUST BANKS, INC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I took a student loan out for my daughter a sum XXXX original lender was XXXX XXXX, three months later I go on XXXX and default. XXXX XXXX sold my account to XXXX. When XXXX contacted me the principal default XXXX, interest accrued {$4300.00}, other charges accrued {$34.00}, collection cost accrued {$140.00}, collection cost projected {$5900.00}. The loan exceeded a total of {$38000.00}. In XX/XX/XXXX I did the student forgiveness program with XXXX. XXXX told me to pay as low as {$5.00} a month, but I had to pay {$5.00} for 8 months I completed the program. two months later I get a letter from SUNTRUST asking me to pay {$400.00} every month to pay the student loan. I do n't owe SUNTRUST anything. I am afraid they are going to destroy my credit again.

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 2017-10-03
Company: NATIONWIDE ACCEPTANCE LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I asked for verification of the alleged debt that is charged-off. I have not received a response on the verification of this debt and this company continues to increase the balance of the charge-off as well as the high balance on my credit report at all three credit bureaus. 
On XXXX XXXX, XXXX I contacted them over the phone and asked why this charged-off account is continuing to increase without verification he along with his account manger stated that interest still accrues after charge-offs. I do n't understand how a debt can be reported that is n't verified. I contacted them several times and have not been successful at all. I contacted in XXXX XXXX and XXXX XXXX as well.

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 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Not my account

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 2017-11-14
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX resident and my wages were garnished and continue to be garnished by Midland Funding LLC. Sometime around XXXX Midland Funding purchased a credit card debt XXXX {$1900.00} XXXX allegedly owed to XXXX under my maiden name XXXX XXXX. In XXXX Midland Funding  filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them {$2500.00} and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my maiden name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the sheriff and I never signed for any papers at the XXXX XXXX in XXXX, XXXX. 
I was critically injured in an automobile accident on XXXX XXXX, XXXX and lived with my parents in XXXX, XXXX up until XXXX of XXXX I was arrested on charges stemming from that accident. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were garnished by Midland Funding in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from Midland Funding or their attorneys XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. Midland Funding has failed to send anything to me ever. 
Midland Funding is taking at least 25 % of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of {$2500.00} they have tacked on another {$2500.00} in court costs and " post judgment interest ''. How can I defend myself for a debt that was incurred more than 10 years ago when I have been incarcerated for the past 8 years? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a XXXX parent with a XXXX XXXX XXXX child to support. Please look into this matter for me.

Company response to consumer: Closed with explanation