BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-15
Company: The Nguyen Law Firm, PLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 I received a letter from The Nguyen Law Firm , PLC stating that they attained a default judgment against me in XXXX General District Court on XX/XX/2019 for a medical debt? 
They are saying i owe judgement for {$830.00}, Court Costs {$54.00}, and Attorney fees of {$270.00}. 
I was never served, or notified of any court date period. Had I been notified, I would have appeared in Court. 
Their total default judgment is for {$1100.00}. They are stating I owe debt to XXXX XXXX XXXX XXXX XXXX.? 
The letter is backdated, so even though it's stating I have 10 days from the date of their letter to pay them in full or they will seek wage garnishment. The letter is backdated for XX/XX/2019. 
Today is XX/XX/2019. This letter arrived in the mail yesterday XX/XX/2019. 
As a Senior, and a woman, I feel not being served or notified of this court hearing violated my rights and has taken advantage of me by making sure I would not be able to be present at this court hearing. I was never notified or given any written Validation of Debt letter.

Per Code of Virginia 8.01-2.96 Manner of servicing process upon persons, 8.01-286.1, delivering a copy of legal action, delivery to persons at residence, person executing service must notify in person, or if services can not be complete, service onto landlord. This letter has my correct address. I was never notified or served. 
Per XXXX County website, " how served '' was deliberately left blank because I was never served or notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach / identity theft. All is being investigated by the CFPB and FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over. I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE asap. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to have these items removed because they are damaging my credit score, and they are fraudulent. I did not consent, authorize, or benefit from none of these accounts.

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 2022-08-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX {$100.00} was transmitted to me via VENMO. I transferred the money without difficulty to a bank card. 

On XX/XX/XXXX {$100.00} was transmitted to me via VENMO. When I attempted to transfer the money to a bank card, I was unable to ( and continue to be unable to ) because VENMO froze my account. 

As of today, XX/XX/XXXX ( 10 days ), I have communicated with them every few days via email, the only way to contact them in case of a frozen account. Following are the issues I have with VENMO : - I have repeatedly asked VENMO via email to describe precisely why my account was frozen which has not yet been provided in any shape or form. 
-My money has now been unavailable to me for 10 days ; and I am in desperate financial straights. 
- I submitted a requested document ( a valid ID ) to them per their request and yet nothing has been resolved. 
-VENMO has published that their response may take as long as three weeks, which is outrageous.

As far as I am concerned they are essentially " stealing '' my money by freezing my account, perhaps to cover some financial distress they are experiencing. I have followed all VENMO instructions and reviewed all help content they have identified, none of it is of any value so far for informing why my account is frozen, what I can do to unfreeze it or the unethical, harmful long duration to their supposed resolution of my problem will take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
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: Account information incorrect

Complaint:
I sent a letter stating there was inaccurate and erroneous items on my credit report. I has been over 30 days and I have nor received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am constantly receiving calls from XXXX XXXX, I have spoken to them on a couple occasions and fully explained my financial situation on Thursday XX/XX/2019, I had ask them to stop calling me and that their calls were becoming a point of harassment they stated that they would note the account to have the phone call stopped. As of XX/XX/2019 they still continue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: NE
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:
They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXXXXXX , XXXX. This is not my account and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi CFPB, I refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank : XXXX XXXX ( debt collector : Ocwen ) to a new debt collector called XXXX. 

I was supposed to start paying XXXX just in XX/XX/XXXX and the last payment to Ocwen should have been made on XX/XX/XXXX. Because of a miscommunication, I've swapped the payments, paying XXXX on XX/XX/XXXX and then paying Ocwen on XX/XX/XXXX( the check was cashed just in XX/XX/XXXX ). 

I've called both companies and they've informed that everything was ok, that I should not worry about it. 

Nines months pass by and now I'm trying to negotiate my interest rates with XXXX. Unfortunately, I discovered that XXXX gave my XX/XX/XXXX payment to Ocwen and that Ocwen received two payments for the same month of XX/XX/XXXX. Not only that, now XXXX wants me to pay an extra mortgage, and already started sending letters stating that I'm not due with my obligations, which is not true as I'm very careful to not miss a single payment. 

I've called and sent many emails to XXXX to explain the problem and they finally said that they can't do anything about it and that I should contact Ocwen. The problem is that my co-borrower sent a fax and I've sent another one to Ocwen and they never replied to anything. 

Now I have XXXX from one side threaten me with foreclosure and on the other side I have Ocwen not responding to any of my faxes and calls. 

I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. 

Thank you so much for your services CFPB. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been living in XXXX XXXX since XX/XX/XXXX. I renewed my lease on XX/XX/XXXX. That means this account is NOT new. But in my transunion credit report, it shows that I have opened 3 accounts in the last 2 years when I opened only 2 accounts. XXXX account was opened in XX/XX/XXXX and it renewed on XX/XX/XXXX. But it shows that I opened a new account with XXXX in XX/XX/XXXX when I only renewed it. That info shouldnt be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXX , XXXX. This is not my account and needs to be removed from my credit report immediately.

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 2020-10-12
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2020, I submitted a complaint XXXX regarding a Synchrony Bank account XXXX that never existed. 
This was not a problem with a purchase, but a criminal conspiracy involving a bank and a retail internet vendor to defraud a consumer. 
I am aware that investigations take time and effort. However, you have demonstrated your unwillingness to invest in either. 

In my complaint I provided documentation showing a pattern of complicity in fraudulent business practices by Synchrony Bank and Amazon on account ending XXXX. Apparently, Synchrony Bank has gone this route before and is quite familiar with the requirements to quickly close a case. 
They crafted a response based upon the information I provided in my complaint which you relayed, without having to prove anything. 

The Following are key to this investigation and would determine whether a crime was committed. 
( 1 ) What date account XXXX was activated and the telephone number used to activate. 
( 2 ) A copy of the original statement showing details of each transaction.

( 3 ) Copies of letters that were supposedly sent to me regarding the conclusion of XX/XX/2020, and XX/XX/2020 investigations. 
These were never received including the response you attached dated XX/XX/2020. Interestingly enough, I have received monthly statements and letters with incentives to settle the account by USPS. 

Prior to the summarized invoice dated XX/XX/2020, all correspondences and communication with Synchrony Bank were paperless with two-step verification or by telephone. I have since terminated both and communicate exclusively by USPS. 

I have a legal and moral obligation to pay debts that I incur. However, I will not be coerced, threatened, or blackmailed with attempts to destroy my a good name or creditworthiness.

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 2019-09-15
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Syncrony bank has added unemployment insurance to my card without my knowledge. I don't want this insurance as my minimum payment has only gone to the cost of insurance every month. To cancel the insurance it's near impossible. I am requesting a refund and it be taken off.

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 2021-05-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My Coinbase account got hacked into, I locked the account and changed my password, now when I try to sign in it directs me to a verification page to prove its me. I have done the verification and I keep having to repeat the verification process and it wont let me into my Coinbase account. I just get directed to the verification process everytime. Please help Ive emailed multiple times and they keep responding with the basic response. They arent helpful at all! I have a lot of $ in this account and Im worried my funds are gone or Im not gon na be able to get in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've tried numerous times to the student loan closed. I had a parental loan for my son 's school. The federal agency closed the student loan because my son had been deceased for over 3 years. I many times requested they close the loan. It doesn't exist anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XXXX I was served with Summons from XXXX XXXX XXXX. Was told I was being sued for debt. My court date is XX/XX/XXXX. I have been asking since end of XXXX them to provide proof of debt. They want to collect {$3800.00}. I asked them to have their client send me any and all documents they have to support this total.I want to see exactly how they arrived and this total and figured late fees and interest. 

I received a letter from the original creditor today. Did not contain any information other than the account name. They are now saying I need to send them payment, but did not even list a balance. Why are they trying to collect the debt when XXXX & XXXX told me they are handling it? 

They have been stalling me for almost two months now, so they can go to court and get a default judgment. I offered to settle, but wanted to verify the amount first. They refuse to provide me the info I have requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Alpine Credit, Inc
State: NE
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:
They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by Alpine Credit , Inc. This is not my account and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Pioneer Capital Solutions Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pioneer has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees which shall be determined for taking time to address these issues. Violations committed against me include but not limited to : ( 1 ) Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission. ( 2 ) Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. ( 3 ) Violated 15 USC 1692d ( l ) ; Attacking my reputation, accusing me of owing an alleged debt to you. ( 4 ) Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval. ( 5 ) Violated 15 USC 1692f ( l ) ; Attempting to collect a debt unauthorized by an agreement between parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: ID Analytics, Inc.
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Earnest Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Earnest is charging me usurious interest rates. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019-30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 believe that an old account I had with XXXXXX/XX/XXXX and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXXXX/XX/XXXX XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXXXX/XX/XXXX has with each credit reporting agency respectively.

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