BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Please read complaint XXXX. In it I requested " Please address the specifics in your response to my case '' The website I am directed to does not answer the issue XXXX. Please address the specific issue in your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, it was explained to my that my mortgage is in arrears due to the closure of bankruptcy. The company failed to explain once the bankruptcy claim was completed that an additional adjustments of {$200.00} was needed to recoup the monies that were paid during the financial crisis. Each month I would send in my mortgage thinking every payment was being applied properly to find out that the monies were adjusted to satisfy the rate during bankruptcy. 

I have had so many different grieves with this company dating back to XXXX. During that time the company applied something called Principal Curtailment starting at {$1000.00} and the monies grew up to the amount of over {$7000.00}. The loan is a projected as a predatory leading practices and I have written several officials both locally and state representatives. 

Each year their is a new issue with the payment schedule and I really need help and referred to a legitimate company with honorable practices. I have attached a few documents to provide an overview of the problems and attempt to satisfy any errors in the payment schedule.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00}

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 2017-11-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have called multiple times concerning my current loan repayment plans. They gave me listed as four months in delinquency ( which I am not, even according to their documents ), and when I ask them why, they tell me that they are not sure. When I ask for more info, we get " disconnected ''. I keep calling and nothing gets solved. My payments are showing as being credited to the right accounts, but when I call, I get different answers. I have been told four different amounts due today by four different representatives. They told me once today that I needed to lay over the phone a different amount, and I did, but apparently they credited the wrong account. Now I have to pay more. I need help please!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an AAdvantage credit card issued by Barclays Bank Delaware and was declined. Their Notice of Adverse Action dated XX/XX/2019 noted that I was declined for the following reason, " Our records, indicate that a previous credit card that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance ''. Their letter further stated, " a credit bureau report was not used in making the determination ''. 

I was quite surprise by their decline as I have not filed a bankruptcy, or caused any lender a loss. Therefore, I ran credit on myself from the three credit reporting bureaus and all reported a Barclay Bank Delaware credit card as " Paid, closed / Never late '' ; so how could I have caused a " negative experience '' for them. So their internal records do not reconcile to their reporting to the credit bureaus. 

On XX/XX/2019 I responded to Barclay with a letter requesting clarification and a copy of the pertinent page from my XXXX  report. It has been over 30 days and I have yet to hear back from Barclay. 

If I am being declined for credit based upon what I believe is faulty information. Barclays Bank Delaware should at the very minimum respond to my request for clarification given their " records '' are wrong.

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 2021-09-14
Company: Novad Management Consulting LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have an FHA Mortgage and took a Partial claims loan for some miss mortgage payments when my mortgage was in forebearance. I sold my home and submitted my request to get the payoff amount for the Partial claims loan on XX/XX/2021. The website says to please allow 6 days for the payoff amount. My house sold on XX/XX/XXXX and I went through closing. The closing company heldback 1 and a half time my 2nd mortgage amount at closing until we could get a payoff from HUD. Apparently the payoff requests are processed through a 3rd party because i had to email the request to XXXX. 
I have placed calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ( each time waiting at least 40 minutes before i could speak with someone ). No one can tell me anything. They all admit that my request was submitted properly and that they will escalate the complaint or have someone call me and they never do. It is XX/XX/XXXX now 21 days after my request for the payoff and no one will let me speak to a supervisor or anything..it 's the same old thing, we will escalate your complaint. A lot of good that has done! I have thousands of dollars from the sale of my home being held up.I have no recourse but to wait..but for how long..this could go on for months or years..no one will give me a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EQUIFAX, 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 am desperately trying to fix items on my credit report. Equifax is DRIVING ME NUTS. 
1- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 2- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 3-they have my bankrupt from XX/XX/XXXX listed at XX/XX/XXXX. which HELLO why would that even say that -- - but i 've asked now THREE times to have this corrected. 
4- they have my bankruptcy from XX/XX/XXXX listed as " A '' liability - ive asked THREE times now for this to be explained and corrected. the other two bureaus list this as " 0 '' 5- i have SO MANY " unknown '' collections on my account. why do they list it like this???? equifax is NOT ANSWERING my requests ... yet i have this blood bath of collections on my account that say '' unknown '' -- -so as an " unknowN '' they must not be accurate bc they do n't know who they are. SO DELETE THEM 6- In response to the letters i send disputing items on my report - equifax keeps sending me emails. I did n't give them my email address. HOW do i know its even them emailing me. they are supposed to send my dispute information in the MAIL. I mailed them. i did n't email them. and again HOW did they get and subscribe me to a mailing list when i did n't even give them my email address??? violating spam laws anyone??? 

Equifax is a disaster. they have no idea what they are doing except for destroying peoples lives they should burn all the documentation they have and START OVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Coinbase, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I have a problem with Crypto Coinbase.. Randomly one day I received XXXX dollars into my coinbase account. I never got an email saying money was deposited anything. it didn't even tell me if I was purchasing crypto. First thing I did was contact live chat support on coinbase 's website, asking how I received the money.. they had no clue.. so I went with it, I thought " well Thank you ''. So I let it sit in coinbase 's account for about a week.. then I wake up XXXX day to XXXX dollars in my account and a fee, it said I need to pay coinbase a fee of XXXX dollars. at the time I was XXXX ( now XXXX XXXX XXXX ) I dont have job, I dont make XXXX let alone XXXX I have contacted Coinbase support for help and they told me its my fault... I didn't do anything wrong, why do I have a debt for coinbase 's doing.. I wasnt the one who did all this, I didnt put XXXX into someone account, they did.. so I started to think my phone got hacked or something.. I reset everything on my phone, Passwords, email, etc. Ive asked them if they can help in anyway. They told me to contact law enforcement. now they will not reply to me at all and I dont know what to do.. Im scared this is a life changing amount of money for me, and I don't want this to go to my credit.. this is emotionally hurting me everyday, I wake up thinking about it and I fall asleep thinking about it.. sometimes i cant sleep because this XXXX hurt.. Where am I going to get XXXX from???. I have begged and begged for help in emails and tried to call coinbase, nothing seems to be working..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-03-09
Company: ACIMA CREDIT, LLC
State: NV
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:
Hi, my name is XXXX XXXX and I have an aacima digital fka simp lease posting on my credit report with the account # XXXX. I don't know what this is I did not go for any apartment lease or any car lease so I have no idea on this lease that was taken out in my name. My identity had been compromised on the dark web in XXXX and in XXXX someone took a lease out on me and completely destroyed my credit. This account is not mine and was removed from the other two bureaus however, XXXX continues to give me a hard time and won't have this account removed from my credit report. I will provide the FTC complaint document in the attachment below and hope the CFPB can help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a call from XXXX, the voice message stated the caller was XXXX with XXXX XXXX XXXX indicating " there's currently a court order being filed against you to suspend all activity with your name and social security number. To review all immediate rights and actions contact us at XXXX or press 1 now to be transferred. Thank You. '' The message repeated in XXXX. I called the number back from my work line, I reached someone named XXXX XXXX at a company called XXXX XXXX XXXX. I did find this company online, however it appears to offer legal services for law offices such as training, project management, business solutions, etc ... XXXX hung up on me when I was trying to find out what this debt was that I supposedly owed. I called back a second time, I was able to verify a debt amount of approximately {$1400.00} from XX/XX/2009 before XXXX hung up on me again. I called back a 3rd time, reached the lovely XXXX once again & after demanding a case number and account number, she gave them to me. I notified XXXX that I would be calling Wells Fargo directly ( this is the creditor she claimed contracted XXXX to file the court action against me ) as we are well-outside the legal window for collection activity in the state of CA. I contacted Wells Fargo 's Customer Service/Fraud Dept 's ( XXXX ) and their Charge-off Dept ( XXXX ). I was able to verify through my SSN that Wells Fargo does not now or ever have a record of my owing them the amount XXXX had stated, the account number that XXXX provided is not one of their account numbers ( missing digits ), I currently do not have any old, outstanding debts with them that either have been retained or sold off to an outside collection agency, and all of my accounts are in good standing. I have had it with these scam artists, it makes me sick to think about how much they're scamming from folks through their scare tactics. There has to be a way to find these people and bring them up on charges. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan has transferred between multiple mortgage companies and services in a short time frame. From XXXX, to XXXX XXXX XXXX  to Green Tree to Ditech in about late XXXX. In the process it appears that some of our payment history has been lost and continual changes in the format and communication of mortgage bills and escrow history have created what appear to be major errors in the reporting of my escrow balance. I wont this property with with a co-brorrowe who sometime around XXXX filed for bankruptcy. At that time, Green Tree discontinued detailed reporting of my payment history and escrow, but then after the bankruptcy was discharged began to state that my mortgage was past due and made reporting to the credit bureaus. 

Although I continued to make the mortgage payments, despite the bankruptcy situation with the co-borrow. While I did n't not agree with the reporting, I went ahead and made the increase payments in hopes of correcting my past due balance. Now, I recently received a notice from Ditech that my payments again past due. The customer service rep stated that it is due to a change in escrow amounts. I understand that taxes and insurance amounts can change and therefore create a difference in my payment on an annual basis. However, the Ditech statements are extremely confusing and all of a sudden the Ditech representative is stating that I have an escrow balance of over negative {$12000.00}. This makes absolutely no sense, if my payments are being adjusted to reflect and overage and/or shortfall of my escrow. So, how in the world can or WHY IN THE WORLD would Ditech continue to roll forward a negative escrow in that amount. That seems to be like an additional debt they are saying that I owe that I am not in a position to take on, or and I interested in taking on additional credit for this property. 

I have contacted them multiple times in the past and my co-borrower has also contacted them but keep receiving varying explanations. I feel like they are taking advantage of our situation with the handoff from Green Tree and the fact that they know a borrower will try to protect their credit and might just go ahead and pay WHATEVER they say is owed. I have never heard of a mortgage company accusing a borrower of owing an escrow balance of {$12000.00} when the loan balance is about {$45000.00}, the taxes about {$2300.00} per year and insurance of only {$700.00}. This loan has only been with Ditech for less than 2 years.This seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Public record information inaccurate

Complaint:
I asked Transunion to remove a bankruptcy from my report and they said they were given information by the courts. I wrote the court and asked them if they provided transunion with my information and they replied that they did not. The report has been removed from XXXX  and XXXX. I sent a copy of the letter to them and it still has not been removed.

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 2022-03-09
Company: Genesis FS Card Services, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX I have been attempting to pay my debt off.. But every time they call they cant say that they can not except the payment I asked to speak to a supervisor in a place me on hold and tell me a supervisor will call me back they never called me back. And all I wan na do is just pay this that off and get it off my credit report but theyre not letting me or accepting my account information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I receive the title to the car that was Financed with Wells Fargo Dealer services. I have issue with wells fargo dealer services as a charge off amount. If there was a charge off amount why did I receive my title. 

Dates not reported on my credit file as wrong by wells fargo first reported 2010 wells fargo did not report the loan right on none of the reporting bureaus. 

Wells fargo dealer services received all there money and there was no balance left owed on the contract.

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 2017-11-02
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive disputed this collection items several times and advised them that this is not my account. This account was falsely placed in my name. Ive never had XXXX XXXX XXXX I sent documentation of my current address and he current cable services I have at my home now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone used my card at XXXX XXXX for a pick up purchase. I disputed this with Goldman Sachs and they resolved the case in the favor of XXXX XXXX. I requested the evidence XXXX XXXX submit it to support that I made the transaction, and they sent me paperwork suggesting that XXXX XXXX had taken a copy of my ID, but never supplied me with the copy of my ID. I contacted Goldman Sachs regarding this on two separate occasions at both times they reasserted the dispute but then decided again that XXXX XXXX was right. XXXX XXXX has yet to supply the actual proof that I completed this transaction, they only state that they have the proof. Goldman Sachs has not required them to submit the proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. Monday XXXX XXXX The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.

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