BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed the XXXX account # XXXX and XXXX  account # XXXX with XXXX XXXX Transunion on XX/XX/2021. Both Transunion and XXXX responded that these accounts were verified as accurate by XXXX. I then mailed letters to XXXX on XXXX XXXX these accounts and ALL Letters were returned to me via USPS because the address this creditor provided on my credit report is vacant with no forwarding address. I have attached copies of the envelopes. According to the FCRA, I must be able to contact any creditor who reports informatoni on my credit report. Since I am not able to contact XXXX using the contact information that's on my credit report ; these accounts should be removed for FCRA violation. I have attached copies of the dispute letters sent as well as the envelopes that show that the address on my credit report for this company is invalid/vacant with no mail forwarding options.

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: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been contacting coinbase support now for a long period about 3 to 4 weeks now concerning my account TEMPORARY DISABLED. 

i got a reply from support few days ago to secure my account and email back which i did i secure my account and have been trying to get it activated cause i have about {$1900.00} worth bitcoin for certain trades but i cant get in my account cause its disabled temporary. 

CASE NUMBER - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I submitted previous case number : XXXX last year. Arrowhead advance said that my account was satisfied in full and they would stop calling and harassing me. I have received several phone calls at my workplace, including one today that I have in the form of a voicemail attachment, showing that they continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: World Acceptance Corporation
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 " XXXX, '' of world finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX, called for pmt on my loan. I returned her call. She refused to accept less than full payment and said it was company policy to refuse partial payment. I heard this in XX/XX/2019 from another employee. As I could not make full payment then or now and they were refusing partial payment, I went to the Corp website to verify their claims. I was able to submit a partial payment. Then I hear that XXXX called a pending employee twice. Once to garnish my wages ( I haven't started yet ) and again, to verify employment. The debt : {$290.00}, maybe 6/7 weeks ( WEEKS ) in arrears

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: First Federal Credit Control, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is outdated, inaccurate and requested validation many times nothing received. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: LA
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 have disputed unknown accounts on my credit report, because I want them to validate the debt, but they continue to verify it instead. They must properly validate these debts to prove that they should be on my account, because inaccurate and unauthorized information should n't be reported by Experian. I have attached a copy of the identity theft report from Federal Trade Commission in this complaint. This problem should be fixed in 30 days or remove the accounts. I would like an updated copy of my report. The accounts are : XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX  Account # 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 2017-11-02
Company: EQUIFAX, INC.
State: LA
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:
I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Tried to come up with a solution but they wo n't help they are charging over 400 % interest and the loan is getting no where and I ca n't afford the loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i w

ill sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Am trying to withdraw money from paypal to XXXX  and its nots successful and PayPal is acting shady .all I did is Change my phone number ... from XXXX to XXXX which is acceptable but they put limitations that made it hard for me to get my money to pay my bills.please probe them to act am fed up with these restrictions.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily calls, often twice in a row. I have dates and times if needed. All calls coming from different numbers in different states, not stating who they are. Long calls that I often have to decline so they stop ringing after 2 minutes. Often after a missed call, they immediately call back. No voice-mail to state who they are or who they are reaching. Just constant calls multiple times a day every single day, even on weekends. I receive hundreds of calls from them. I have never recieved paper in the mail from them stating their intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Rent Recover, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter stating that I owed an amount of {$1100.00}. I disputed the debt by mail XX/XX/XXXX. I never received any information confirming the debt and by XX/XX/XXXX, this collection company reported this debt on my credit report. This debt was actually a part of a civil case that had not yet been discharged. The civil case has since taken place and it was determined that it is Consumer Fraud. This Credit collection agency violated my rights by not sending me any information confirming the validity of the debt that I disputed.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-10
Company: Verisk Analytics Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Paradigm Assets, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company JHPDE 1 LLC was already on my credit report in 2018 and they never could verify that the account the trying to colect was mine and had been remove from all my credit report. Now 3 years later they came back with another name but with the same adress, In 2018 their name was JH XXXX XXXX XXXX ... How is this posible that this company is using this tactic to collect a debt a do not own???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XX/XX/2022 I filed a dispute for the amount of {$1800.00} for a fraudulent website posing as XXXX. Chimes investigation found that no billing error was occurred. I filed a rebuttal as well as submitted evidence of said billing error. After the rebuttal was filed, I received a notice that all of my accounts would be closed on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I inquired on what my ending balance was, as it appears that a chargeback was done on the dispute from XXXX XX/XX/XXXX for {$1800.00}, and when I would expect the check. I called the XXXX number Chime provided and then emailed after the XXXX number wouldnt answer my questions. The response I received on XXXX XX/XX/XXXX said that they would not answer any questions as my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 Amount of {$750.00} was sent as a deposit payment for a pet that was provided with extensive pictures and videos through a message, with two-way communication. However after sending the initial payment, I was received with an email from a non-registered domain asking for an additional {$2500.00} to " comply '' with a covid-19 related shipping charges. This was unprecedented and completely fraudulent and the attempt to cancel the payment via Online portal was not available due to the method used XXXX XXXX XXXX. The other recipient ( or seller ) stopped responding to my messages. The seller is changing their recipient addresses around, with the latest one asking me to send the additional funds to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX has been reporting on my credit report without consent and Bill of Sale did not come from 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 2019-04-13
Company: Stearns Ventures, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB professionals, I recently financed my home and at closing I was told I could make early half payments ( twice monthly ) and 15 days of interest would be saved on the early half payment. 
A few months later, a company named Stearns ( XXXX. XXXX XXXX XXXX XXXX, Va XXXX ) purchased my loan. 
On or about XX/XX/XXXX, Stearns representative " XXXX '' told me that early payments get put into a " suspense bucket '' and held until the rest of the payment is received. 
When I explained that they were altering the agreement set forth at closing to the disadvantage of their customers, she told me that was their policy and gave me the email address to their customer support. 
I emailed Stearns customer support on XXXX. XXXX with a carbon copy sent to my mortgage broker ( a witness to the agreement at closing ) stating that their policy does not give them the right to alter the terms of loans they purchase. 
They replied with a canned pass the buck email and assigned my case a ticket number XXXX, I have not heard back from them since. 
I sent follow up emails and got the same canned pass the buck email which appears to be generated by an email auto-responder because it doesn't attempt to answer even simple questions like " is my case being reviewed? '' " if not, how long will I have to wait '', etc. 
On XXXX. XXXX, I also sent them a copy the " Closing Disclosure '' document ( attached ) that I received at closing explaining my Loan Terms and clearly stating that this loan has no prepayment penalty features, I received the same canned pass the buck email back. 
Holding my partial early payment for 15 days while still collecting the interest on that already received payment, is a significant penalty that will add years to the loans payoff date. 
I also asked them in an email to send me the portion of the loan agreement, stating that they could hold an early partial payment for 15 days and continue to charge interest on that already paid amount, I received the same canned pass the buck email back again. 
I followed up with a call on XXXX. XXXX and their representative gave me the same " suspense bucket '' answer over the phone. 
She couldn't even update me on my case when I offered her my ticket number. 
I also have a chain of emails I can attach, if this would be helpful? 
Please investigate this and make them fix it, their " policy '' appears to be to alter loan agreements that they purchase to the customer 's disadvantage. 
Nice way to treat the people who bailed out their industry during the 2008-2009 financial crisis. 
Sincrerly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Mobile : XXXX Card # : XXXX SS : XXXX XXXX XXXX XXXX : XXXX My name is XXXX XXXX and Im writing in regard to an inquiry I had with Wells Fargo. I had late payments for the credit card and account outlined above and had requested they be removed. Throughout this time, I had dealt with extraordinary difficulties that required an overwhelming amount of time and financial resources.My subsequent conversations with Wells Fargo led to the deletion of the two late payments I incurred during the pandemic, however, I inquired about three specific payments dating back to XXXX, XXXX, and XXXX of XXXX. I had asked for a goodwill adjustment from the bank as I had been a customer for forty years. I spoke to XXXX, a case representative for the bank. I explained my current situation, but she was dismissive, rude and reticent regarding my request. She specifically stated that the bank could not complete my request despite my proving they had been helpful in the past. From here the representative became more agitated at which point I said I would just have to take the account down to zero and close it to conclude my business with the bank. Thereafter, I noticed that the two payments the bank had withdrawn were reinstated after my phone call. This seems to me like retaliation for closing the account as the charges had been removed but immediately reinstated after my conversation with said representative. I am reaching out now as these are clearly not the proper actions for a bank to take against a customer as the only explanation for their actions is vindictive punishment. 
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 2017-11-02
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to work with Navient to work out a payment plan that I can actually pay, and every time I talk to them they give me an outrageous amount that there is no way I can pay. After a lot of discussion and supposed misunderstandings on their part, they finally say that they can put the loan in forbearance for a few months. And If I 'm a day late contacting them or making the payment, which is still at the high payment that I 've told them I ca n't pay, they call at least once a day, myself and my husband both. The report monthly on each separate loan to the credit bureaus, a total of XXXX separate small loans. This is the third time I 've tried to work out a plan, I did n't realize until very recently that this is a common practice of theirs. I do want to at least attempt to get this paid off, but right now I have the only income, my husband is still recovering from a pretty bad accident last year, and we have the medical bills to try to pay off, too, so I do n't have a lot I can pay, but I would like to do what I can. But they just keep giving me a loan payment that is completely out of my ability to pay - which is over half of the household income - and putting my loan in forbearance, accruing more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX, I started receiving phone calls from Douglas Chancellor Meyers & Associates stating they were a debt collection agency and I owed {$29.00} for something. I hung up on them a few times over several days because I had no outstanding debts and considered it a scam. 
I received a letter on XX/XX/XXXX stating it was for XXXX XXXX XXXX XXXX XXXX XXXX. Again, I thought it was a scam because I never received a bill from the principal. 
The last time I saw XXXX XXXX was on XX/XX/XXXX for a consultation. I was billed {$220.00} for that office visit in XX/XX/XXXX, and mailed the balance due to them that month. 
All of this could have been avoided if XXXX XXXX would have billed me directly first instead of giving it to a debt collector. 
I have informed the operator at Douglas Chancellor Meyers & Associates twice in the last 2 weeks that I have paid the bill and to stop calling me. They continue calling, 1 to 3 times a day with a recording. The last call was today ( XX/XX/XXXX ). I pushed the " 0 '' option to talk to someone again, did not work. 
I attached the 2 letters I sent out to both parties. I can send the letter Douglas Chancellor Meyers & Associates sent me if needed - have to get it scanned somewhere first.

Company response to consumer: Closed with explanation