BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was in the process of purchasing a house and found unexplained collection accounts. I contacted XXXX XXXX in North Carolina to find out what the collections was in reference to. While speaking to a representative, she realized that the collection item was from an auto accident. She then asked my had it been settled, I replied no. She then stated that the claim should have been put on hold and I should have been contacted. I have called several times in the last 10 weeks to check on the progress of the removal of these 3 collections items. I also had my attorney contact them. They are no longer responding to me, which I understand why. They sent my attorney a standard lien letter that does not address the removal of the reported collection from my credit report. The collection agency is refusing to remove the negative items from my credit report after my attorney has contacted them to confirm the claim has not been settled. I did not received any communication from the collection agency or the original debtor prior to them reporting the negative items, although they claim there was an attempt to contact me. I have offered to pay the debt before the auto claim is settled if they remove the negative report. They have refused. The claims were sent to the credit agencies as 3 separate claims totaling less than {$400.00}. I believe this was deliberate to inflict as much damage as possible. Two of their employees have stated on two separate occasions that the debt should not have been reported to the credit agencies because it was clear in my file that the medical treatment was a result of an auto accident. XXXX XXXX has refused to work with me after I have provided them with all of the information requested. I have proven the validity of my auto accident and that the claim has not been settled. This is a deliberate abuse of power.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: C & M Associates Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I keep receiving calls from C & M associates phone number XXXX XXXX XXXX. They do not explain to me why they are calling just start trying to verify my social security number and start asking if ____ is my spouse. I do not currently have any owed debt and have bankruptcy in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to communicate with Wells Fargo regarding the foreclosure of my home and the events of what lead to the default of my mortgage. My husband passed, which was very hard for me and took a toll of many areas in my life, emotionally and financially. Wells Fargo was aware of his XXXX   and also were aware of the fire my home endured as well. Yet instead of offering help and guiding me in the right direction, they acted as though it was too late for anything and had me send in paperwork all just to tell me they can not offer me anything. So many things went wrong and I strongly feel this loan is predatory and am having it currently investigated. Not to mention my interest rate continues to go up and up from 7 % to 11 %. My entire pension was going towards the mortgage which was not feasible. Now as an elderly widow, I am being forced out of my home with no options nor help from Wells Fargo. I have just recently hired an attorney whom I hope can help me resolve this matter and put some fairness into this mess. What burdens me the most is this is not the first I have heard about Wells Fargo behavior, and it is putting more stress on my life.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-01-18
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
About 6 years ago ... due to the fact that I am at poverty level ... I shopped around, carefully, for a reverse mortgage company so that I could continue to live in my home. I found XXXX XXXX out of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 

I went through the process of getting a reverse mortgate on my home with XXXX. Everything was fine up until about a year ago when I was informed by mail that my account was being " handed over '' to another company ... XXXX XXXX, which also happens to be a debt collector, with an " F '' rating with the XXXX XXXX XXXX. 

Now, every time I have to conduct business over the phone with them, I have to hear the intimidating phrase " We have to inform you that we are a debt collector ''. Why do I have to hear that every time I conduct business regarding my reverse mortgage? 

My complaint : At no time during the reverse mortgage process was I informed by XXXX that they either could or would turn my account over to another company that was not only also a debt collector, but that has an " F '' rating with the XXXX XXXX XXXX. It's infuriating to have to deal with that " we're a debt collector '' stuff ... and since I had no choice in the matter, I want to know what are my options. Can XXXX XXXX be forced to handle my account again? 

How is it legal for an originating mortgage company to just hand over your account to another entity against your wishes or without your approval ... and without having informed you of that possibility beforehand? Had I been informed that this would or could happen, I would never have taken out the reverse mortgage with XXXX. Not telling people that they might do this is, in my opinion, deceptive. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Experian removed an item from my credit report & recently put it back on but didnt follow the law of notifying me in 5days, thats a violation of 605.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
We missed our XX/XX/XXXX payment, but made XX/XX/XXXX, XX/XX/XXXXr, andXX/XX/XXXX payments within 30 days of due date. On XX/XX/XXXX we paid all late fees and theXX/XX/XXXX payment to a XXXX   balance. In XX/XX/XXXX the credit report did not show these payments as late. Now that we have paid them in full, they reported that we were late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus the late fees. We called XXXX to try to resolve and was told by XXXX XXXX in the Executive Office of Support that this is our problem and when I told him I would be contacting your agency he told me You can threaten me, but it doesnt change the fact you were late. We have the right to report it however we want. However, it was NOT reported as multiple late payments until we became current. He disconnected and refused further assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
X/XX/2018 - Received an unsolicited, encoded Netspend prepaid XXXX. It includes my name embossed on the card. This opens me up to significant fraud risk, and I do not want this to be sent to me. I will be shredding this card, but my concern is that others may have or will be mailed that are diverted to inappropriate parties.

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 2021-04-13
Company: Consolidated Recovery Group, 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: Information belongs to someone else

Complaint:
Consolidated Recovery is reporting an old business debt on my personal credit report. I am no longer affiliated with the company that owes the debt. The business was incorporated and the debt belongs to the business and not on my personal credit report. 
FCRA 603 ( d ) defines credit reports/reporting as information for establishing the " consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes. '' A business in which I was associated is not consumer information of a personal, family, or household purpose, and does not meet the FCRA definition of consumer credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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 am XXXX XXXX and I am submitting this complaint myself. These account are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX/XXXX/2017 +/- 1 day ( near XXXX eastern US time ) I logged into my Coinbase account after about 18 months of dormancy. I was surprised to see a message that Coinbase was in the process of closing my account and that I needed to transfer any remaining funds to an offsite wallet. I noted that I had the amount of XXXX Bitcoin in my account. There was no explation as to why the account was closing so I assumed it was because I had n't used it for some time. 

I went to XXXX where I have an account and obtained a Bitcoin deposit address that I copied and pasted to the send to box where I wanted the residual Bitcoin funds sent to. I pushed the transfer button and got a message saying the transfer was successful and then another immediately after saying my account was now closed. 

To date, the funds have not been received into my XXXX account. I tried numerous times to contact Coinbase. In one case I was able to speak to a customer support person who told me they would escalate the matter to an accounts payable analyst and confirm that with an email to me. I never received an email or any contact with Coinbase. I also contacted XXXX customer support who said it did n't appear Coinbase ever tranmitted the exchange.

I have screenshots of the address where it was to be sent to. I tried calling Coinbase many times, opened numerous support tickets, all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i made the mistake of getting on XXXX and meet some one on this site that wanted {$3500.00} to get bank to u.s.a .but he did n't come to u.s. i do n't know what he spend the money on but i am in the hole because of this. i had bounced checked and was changed {$25.00} for all the bounced checks that came out of my account for i made with XXXX XXXX that i pay to send him this money. i am on ssi for i 'm XXXX yrs. old what i got into this MESS. i could kick myself in the 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 2018-01-16
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently enrolled in an accredited XXXX 's in XXXX XXXX program as of XX/XX/XXXX. I completed a request for student loan deferment with my lender, Discover Student Loans, in XX/XX/XXXX and again in XX/XX/XXXX. I was denied both times without receiving any official notification. After calling 3 times, I was told that, although my institution is showing as accredited according to the US DOE database and the proper enrollment verification form was submitted, Discover would not approve in-school deferment because the institution is not Title IV eligible. However, this was not listed a requirement in the promissory note, or anywhere on the Discover website. Additionally, Title IV eligibility relates to financial aid, which is not relevant to this request, as I am not looking to take out an additional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Resurgent Capital Services L.P.
State: OH
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX and I am submitting this complaint myself. These account are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bmo Harris bank, Deceptive and incorrect marketing causing excessive nfs fees and over draft fees taking advantage of low income clients. 

According to XXXX any deposits made before XXXX XXXX central time will be processed same day. I sent money through XXXX only to be told it would be processed the next day. When I called they said it had to be sent before XXXX XXXX  central time. When I found out they wouldnt credit it that day I went to the atm and deposited more money before the stated XXXX XXXX cut off only to have it also credited the next day. When I called the company they said XXXX was wrong and there was nothing they could do and I would be charged 2 nfs fees 36x 2 plus the fees from my condo company. They took no responsibility and said there was no way they could stop my payment from being reflected. This has caused me indue XXXX hours of running around only to be charged exorbitant fees. They took no responsibility for the web being wrong and said it was in my account documentation.

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 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX : opened dispute with Capital One regarding overcharged by a merchant. They said they would mail me a letter via US Mail if they needed more info. I did not receive the letter. 

XX/XX/XXXX : They emailed me to check a secured message. I logged into my account read the letter that said they were closing the dispute because I did not provide requested info. I then noticed that they had sent a letter on XX/XX/XXXX as a secured message that I received NO notification of requesting additional information. I explained to them that they told me I would receive a letter in the mail in which I did not and that I did not receive an email from them in XXXX re : a letter to log on to view. 

XX/XX/XXXX : They said they were no longer pursuing the dispute, and did not give me the opportunity to send the requested documents which I had. The vendor never refunded me or replied to me and neither did the company in which I paid. I am still out of the money I was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief