BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX i attended at XXXX  college when i first registered for classed the course i was signed up for was event planning 1 while applying for a GRANT the classes where almost starting and i later found out they were no longer offering that Main class which was Event planning 1. The Financial Aid office had me listed as a male with selective service and for over 2 weeks with me going back and forth to the office trying to get them to change it they kept sending home to check my app. well i checked and it was no a mistake on my behalf so the last time they tried to send me home and told me to mail a letter to selective service i refused to let them continue to give me the run around so i stay in the office and call selective service to let them know what was going on considering my classes had already started. The rep from selective service said that was crazy and said for me not to leave he asked to speak to the case worker there in the FA office so that he can tell them to simply look at me and they can tell i was a female will needless to say the young lady went right in and changed the status from male to female i had been in and out of that office over 7 different times trying to get in my classes and for them to release my GRANT. because classes had already started and i had to wait on my grant money to post before i could get my books i was so far behind it was to late to turn around i wanted to attend school badly just couldnt keep up. i notified the instructors that i could not keep up and they agreed to allow me to drop with full refund ... while checking my credit report i realized the school put my account in collections for {$530.00} i had no idea they put this in collections saying i owe the school money ... i called the school and they told me the school paid for my classes so now i owe them. I said i never agreed to let the school pay for my classes thats why i applied for a grant i did not have money to pay for any type of load..if i had to take out a loan i would have never signed up for school. This has never happened before.if the did pay for classes they did it with out my permission or knowledge they never spoke to me about it and never was given permission to do so. They never gave me a chance to even address the issue i never got a letters and when a person from the school did attempt to call me she only stated that she wanted to discuss me coming back to school never saying anything about collections or a threat of a collections. now its reporting on my credit report on XX/XX/XXXX for {$530.00} please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, 2009 Wells Fargo filed a FRAUDULENT FORECLOSURE COMPLAINT : Wells Fargo and its attorneys XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Wells Fargo acquired my personal information via committing identity theft Wells Fargo took my personal information and fabricated a foreclosure package. Fraudulent at the time of filing this foreclosure complaint # XXXX. 
Wells Fargo claimed to be the owner and holder of the Note and Mortgage which they never had the assignment or Mortgage nor Note they where not the original lender nor was the mortgage transferred or sold to Wells Fargo from the true original lender. XXXX XXXX came to court to inform the Judge he has never had any contractual obligation to Wells Fargo seven months from filing the case Well Fargo did not produce proper documents to the court. The court wanted proof of an assignment since Wells Fargo was not the original lender they never produced the proper documents to prove their standing to foreclose. After XXXX XXXX, 2009 ... see order clearly shows that Wells Fargo was not the original holder of the note or Mortgage. Two days after on XX/XX/2009 Wells Fargo attorneys filed FRAUDULENT assignment ... .PLEASE SEE EXHIBIT A-2 See fraudulent assignment of Mortgage that was recorded XXXX-09 this was filed seven months after the fraudulent foreclosure complaint was filed notice The assignment has no LOAN NUMBER therefore its invalid. The assignment of Mortgage was never presented to the court but it was recorded with the recorder of deeds office. In order to conceal the Fraud Wells Fargo filed a motion for substitution of Judge from CALENDAR 53 TO CALENDAR 64 this was done without submitting the previous order from the original judge from calendar 53 this was done in order to conceal fraudulent foreclosure. 

IN CLOSING : This foreclosure was filed by stealing and acquiring my personal information to fabricate a fraudulent foreclosure package to deceive the court therefore commiting fraud upon the court. The Note sent via email and certified mail in this instance constitutes mail fraud in a continuous scheme to steal property under code # 18 U.S.C.1341

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hurricane Harvey flooded our home, one year and two weeks ago. Our flood insurance sent repair money to XXXX XXXX, which has now been transferred to XXXX XXXX. It has been a continuous struggle to get our money from XXXX XXXX to pay for the repairs. They have delayed funds by : publishing a non-working address for document submission, refusing to let me speak with supervisors, checks mysteriously lost in the mail, promising XXXX delivery but using regular mail, overlooking uploaded documents, documenting but not acting on problem resolutions, refusing/failing to return phone calls, failing to notify me of additional required documents, overlooking requests for paylment, and last but not least, blocking my IP address so I can no longer use the website to access and manage my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Carvana Group, LLC
State: IL
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:
Carvana illegally ran my credit without my permission put a hard inquiry on my credit report on XXXX I did not sign or agree to this Hard inquiryI would like Carvana to remove this inquiry from my credit report as soon as possible and adjust my credit score accordinglyI sent a letter to Carvana on XX/XX/XXXX and I have not gotten a response.It has been over 30 days and I would like them to remove it as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: LoanCare, LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear Sirs, I use my XXXX checking Bill Pay service to automatically pay my monthly bills. When you bought my mortage from PHH there had never been any problem with on time payments. Several months after you acquired my mortage I received a notice that I was overdue on my payment. I immediately contacted my bank and they had sent the check for {$1100.00} on XX/XX/18 but it had never been cashed. I was told it was never received by someone at Loan Care. I had my bank stop payment on the check and also immediately issue a check ( or credit card ) for {$2100.00} on XX/XX/18 to bring my account current. They also sent you a check for my regular payment of {$1100.00} on XX/XX/18. The person I talked to at Loan Care said they would remove the late fee since you lost the check. Someone " found '' the check and attempted to cash it. 

On XX/XX/18 I was sent a letter stating I had a {$25.00} fee because of a returned check from my bank. This was the check you claimed you had never received that I stopped payment on because you claimed it was " lost '' and in spite of the fact I had made a double payment and my account was current. 

I talked with XXXX ( XXXX ) about my complaint and asked that the {$25.00} return check charge be removed. She said she had no authority to remove the charge. I asked that my mortage be transferred back to PHH. She said that could not be done and that I was required to write this letter to you. I am very unhappy with your company and your lack of professionalism. Mine is a VA loan and I will be filing a complaint with the VA. Please remove the {$25.00} return fee and have my mortage transferred back to PHH. 

overcharge on XXXX # # # # # # # XXXX Loan CareXXXX

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 2023-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.

I look forward to a speedy resolution of this matter.

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
For years I have had an account with Coinbase. I replaced my telephone but have the same number that I have had for several years. When I tried to access my account it started off by saying that it does not recognize me. Now when I try to access my account it says that I do not have a valid email address. My email address has not changed for many many years. I have tried calling the help desk many many times can't even get anyone at Coinbase to answer. Please help! The last time I was able to access my account it contained over $ XXXX. I have a newborn and just moved into a new home. I had to borrow money from family members because I can't access my on funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
What Compliant? 
XX/XX/2018 - XX/XX/2018 Statement Submission Form ( s ) * What type of Problem? 
Refusal from the XXXX XXXX XXXX XXXX Mailing ' to enter-In ' Statements of Residency, And Correct Residency Dates. 
What Happened? 
( 45 ) Day Stalling tactics to enter-In ' the Statement Submission Forms.

What Company? 
LexisNexis ( R ) Who is Involved? 
LexisNexis ( R ) potentially ; XXXX and Subsidery Companies, Work Number, Credit Bureaus and Allegencies and Alliants, Credit Reporting Agencies, Courts, Banks, Law Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021, I applied for Capital One XXXX XXXX and was approved for a credit limit line of {$500.00}. On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I was denied an extension of credit by Capital One Bank. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Capital One has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have lodged disputes with XXXX XXXX, First National Bank of Omaha, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX  XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for Experian & XXXX  to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XX/XX/2021 our house was sold and all paperwork was signed but on my credit its showing 30 days passed due but the account is closed showing a XXXX balance. All the paperwork and money for nationals lending and loan care were dated for XXXX XX/XX/2021 so there is no reason for my credit to show a late payment.

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 2018-03-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account auto account is reporting as late/derogatory and it is showing as being paid in a payment plan through chapter XXXX. This information is incorrect. My auto account has never been late and it is paid directly to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom It may concern : I currently have a mortgage with Flagstar. I called customer service on XX/XX/2021 and I spoke with XXXX and she said that this conversation will be recorded for training purposes. I said that's fine and I told her that I wanted to get rid off my PMI payment because my house has gain a lot of equity. She advise me that because I have been in the house more than 2 years that it should not be a problem to remove the PMI. I asked her that If I needed to get my own appraisal or does the company supply one? She said that I can get my own as long as the person doing the appraisal is licensed. So I said are you sure and she replied... yes! So I said OK!

So I went ahead and got myself an appraiser that was licensed and paid {$450.00} for the appraisal. I called back and spoke to XXXX ( customer service ) to find out were to send the appraisal report and she ask me if I had filled out a PMI waver? I replied no because no one told me to fill out the waver before the appraisal. Anyways I went ahead and filled out the waver to drop my PMI. I called on XX/XX/2021 to find out the status on my PMI waver and they said that I needed to be with Flagstar at least 2 years without late payment. I told the customer service that I was not told that in my first conversation. They said that as long as I was living in the same house that, that should be ok. I told customer service that If the first person I spoke to should have told me that I did not qualify for the PMI waver because you do not have 2 years with us. I would have not proceeded with the appraisal. But again I got the wrong information from Flagstar. I spoke with XXXX the supervisor and she assured me that they would check the recordings for that day to hear the conversation between me and customer service. XXXX said to check with her in about 2 weeks to make sure that what I said was true. I have made several attempts to rectify this problem but they told me that they will not refund my money even though it was not my fault and I did exactly what Flagstar told me to do. I feel that they are using unfair practice and they are not following their code of conduct and business ethics. I am out {$450.00} because improper training by Flagstar and they will not take responsibility for their mistake. Thank you for your time.

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