BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBA claimed I owed them {$180.00} reported to my Credit file, no notice was sent to me regarding this debt. I found out when I checked my credit file and immediately sent them a certified letter on XX/XX/2018 requesting for information, my letter was delivered on XX/XX/2018 at XXXX XXXX, CBA re-reported the debt to my credit file on XX/XX/2018, however they have refused to communicate with me nor send me any bill or information regarding this debt. I called them several today XX/XX/2018 my calls forwarded to voicemail every time. 

I do not owe any money. 

A copy of my dispute to CBA is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TaxServ, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill yesterday through mail from TaxServ Capital Services, LLC with an amount of XXXX   that I didn't know about. My ex-husband kept all the cars and I know he declare himself on bankruptcy right afte our divorce. But I can not believe all this money owed for a car he kept. I came to Virginia with no car, The XXXX XXXX XXXX here in Virginia gave a car for free back then. I don't know why the XXXX of XXXX XXXX waited 14 years to send me a bill through a collection company. How can you best advice me to do in this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Navient Solutions, LLC.
State: MA
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:
I keep getting false notices about my loan. The payment amounts do not match and are not consistent. I have tried calling the servicer, but they do not offer any specific information. They are not helpful. The supervisors I have talked to are not helpful. They don't seem to understand the questions I am asking. I worry that my payments are being mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I sent credit reporting agency Equifax a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased XXXX BTC From coinbase.org on XX/XX/XXXX. I went to check my account on XX/XX/XXXX and because I no longer have access to the cell phone number I originally signed up with, I cant access my account. 

I reached out to their support and they have not come back with a response. Last response received was XX/XX/XXXX Hi there, Thanks for contacting us on this, Im sorry for the account setup difficulty! Our ID verification partner may be having some difficulty verifying the information on your account. Ive reached out to them for help with a resolution on this issue. 

Ill get back to you as soon as I have an update. If everything checks out your account will be ready to go. Thanks for your patience in the meantime! 

I followed up at least 3 times since then but have not received a response. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was impacted by hurricane Irma and then Michael and Wells Fargo put me on a disaster forbearance to offer relief. I was promised a disaster loan modification when it was over but they did not do it and forced me to apply for a normal loan modification to save my home. I have income consisting of VA XXXX from military service and this income has always been used in the past for any review. Wells Fargo denied my loan modification because they would NOT recognize my income of VA XXXX. I feel this is a violation of the Fair Housing Act and is wrong. I escalated it at Wells fargo and they sent me to the customer care and recovery group ( office of the president ) which I have found NOT helpful to homeowners in the past as they just rubber stamp any decision without objectively trying to help the homeowner retain his home. I did not request their office but only a normal supervisor but again my request was denied and they sent me to this group which is like going to court in XXXX XXXX ( no fair hearing )

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 2022-08-26
Company: National Credit Adjusters, LLC
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:
Wanted to get all accounts verified from collection company and wont sent info requested... asking for itemized statement and refused to send...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Above company attempting to collect {$1400.00} medical bill that i am unaware of. I have sent certified letters after letters asking them to submit my signed medical contract and they have failed to do so. I need this resolved immediately and removed from my credit report.

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 2017-11-20
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently met with my Realtor regarding my purchasing a new home. After pulling my credit report. I was informed of a collection from IC Systems. I saw this previously and disputed. This collections with XXXX. To no avail, as always XXXX sided with the Credit collection agency. Without receiving any proof of validity. So I went looking for any paperwork. I never signed an agreement or authorization with XXXX, or IC Systems.I also, did not sign an agreement of recurring monthly payments with XXXX or IC Systems. I was asked if I 'd be interested in signing up for Optimum Wellness Plan. That was it.I was charged for a Wellness Plan.I was charged for my 1st month payment.I was never given or received a copy of a signed agreement, nor was I informed that I ' d be charged a monthly recurring fee. I wouldnt have agreed to that. Seeing as I never utilized the Wellness Plan.I received the attached document that I was given. No signature b/w myself or XXXX or IC System.

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 2022-01-13
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:
XXXX XXXX XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE IT.

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 2018-01-14
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:
In XX/XX/XXXXof 2017 a XXXX XXXXXXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXXXXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

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 2018-09-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following item off my credit report/file : Account # XXXX XXXX Bankruptcy XXXX. I have previously submitted disputes with Equifax along with the necessary XXXX  and law enforcement reports necessary to block this item from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other XXXX XXXX Agencies have completed their investigations and have removed this item, Account # XXXX which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
When loan was negotiated to be settled, it was done with a balance that miraculously took a {$1300.00} dive shortly after negotiations were done. Now, since Santander doesn't seem to have the ethical fortitude to reach out n revise the settlement based on the money they received for a policy that should've been refunded over a year ago, I am stating the current settlement agreement is fraudulent as it wasn't renegotiated once santander put the {$1300.00} as well be shown by the acct screen shot attached ( which will show this transaction was done 4 months n 8 days prior to the attached settlement date )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is for {$240.00} and GLA Collection Company , IncXXXX is the collection agency. 

XX/XX/2018 : Received initial bill from XXXX XXXX in XXXX, IN for {$240.00} in the mail XX/XX/2018 : Paid bill in full XX/XX/2018 : Received collection notice from third party debt collector ( GLA Collection Company ) This is an aggressive and unfair practice. The contact information for GLA Collection Company is : XXXX XXXX XXXX XXXX, KY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018 I received an inflated bank statement from Citi Bank. At that time I was going through other legal proceedings and family situation. When I received the statement I called the bank to say that the amount did not reflect my spending ; the bank did not acknowledge my indication and stood by its numbers on the statement on the phone. I continued to pay my debt ( s ) with Citi Bank, since I had multiple accounts. I had an excellent credit history with them. They even gave me higher spending credit. Unfortunately, I didnt use the whole credit line, but their statement numbers say that I did. Citi Bank is currently suing me in District Court,  and without providing me with the statements for the year that the discrepancy happened. 
My credit line was XXXX dollars and I owed closer to XXXX dollars.

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 2019-10-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted XXXX XXXX XXXX   to be aware that my mortgage which is under the trust XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that XXXX XXXX XXXX must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

XXXX XXXX XXXX/Wells Fargo / XXXX XXXX XXXX   have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.

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 2019-10-15
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: GA
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: Didn't receive services that were advertised

Complaint:
I learned that I was included in the Equifax Data Breach and immediately enrolled in their TrustedID credit monitoring product. After waiting 48 hours for the system to send me an email notification that my account was set up I immediately tried to login to my account using the user name and password used to establish the account. After several attempts I was locked out at which time I contacted Equifax and was told that they were inundated with requests and their system was down for a few hours and that I should try again later. I waited a couple of days and tried again to be told my login and or password was incorrect. I immediately requested to reset my password and received an email allowing me to so ; unfortunately when I entered my date of birth and the last 4 digits of my social security number I received an error message indicated that this information did not match their records. Since this this happened in early XX/XX/XXXX I have attempted to call Equifax on 5 separate occasions. Most recently today XX/XX/XXXX and Friday XX/XX/XXXX. On XX/XX/XXXX after a lengthy 25 minute conversation with an individual in XXXX who could not understand me nor could I understand him I was allowed to speak with a supervisor who told me that everything was reset with my account and it would take 1 hour to be reset. On XX/XX/XXXX I attempted to login to my account and received the same error messages with my password and the again when I tried to reset my password. I called Equifax once again and was told for the first time that the date of birth I was entering did not match what they had in the system. Only to be told that the issue was reported and it would take up to 48 hours to get resolved. I am very concerned that not only am I dealing with individuals who don ; t understand how to professionally do their job, I am more concerned that these call center individuals are not handling my Personal Identifiable Information ( PII ) in an appropriate manner. I want Equifax to provide me with the credit monitoring product and service they promised and I want the opportunity to make sure they have the most current accurate personal information on file. I should not have to go through so many hoops and hurdles over the course of 6 weeks to accomplish this process especiall if they were better stewards on consumer PII and not so greedy about cashing in their stock before they made this breach public information. As a consumer I demand that the CFPB look closer at this company and fine them for their incompetence. I still have no resolution or certainty of when resolution will be obtained and my free credit monitoring will kick in. I also have no idea if I have been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
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: Their investigation did not fix an error on your report

Complaint:
In XXXX 2017 my score was XXXX ( see attached ) my score is now XXXX and I have no late payments. There were some unnessary hard enquiries on my credit file without my knowledge. There may have been as many as three ( 3 ) by XXXX XXXX. I see no reason why my score is this low.

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 2019-10-15
Company: Experian Information Solutions Inc.
State: AZ
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:
On : XX/XX/2019 a call was made to experian regarding my credit freeze to my credit report and I spoke with XXXX of experian in XXXX XXXX who told me that I had just frozen my credit with Experian corporation , I told him that I did not and he said when you called in you just did that. I only called the number for experian and followed the prompts to reach a representative to discuss the circumstances which EXPERIAN REFUSES TO REVERT BACK TO a free credit report, available to all companies/entities requesting my credit level which is about XXXX to XXXX and that has been my credit for over sixty years with out a freeze being in place on any agency for credit reporting. AGAIN, today I call experian through their corporate operator and reached a manager of experian named : XXXX, he told me that in my call AGAIN, THAT I had frozen my credit again today XX/XX/2019. I said again " I did not " he said yes you did, I tried to understand by how calling them to speak to someone regarding a freeze, could someone put a freeze on there account? all I got was, " well that's what you just did ''. I have tried to understand how this all could have been done? But I am upset because to purchase ANYTHING, I CAN NOT because my credit has been frozen ... 
I do not EVER WANT MY CREDIT FROZEN AGAIN PERIOD. I respectfully request that they honor my request for them to PERMANENTLY REMOVE ANY AND ALL FREEZES TO MY CREDIT IN THEIR COMPANY AND TO CEASE AND DESIST THESE PRACTICES ... I want to thank you now for your assistance in this matter and I look forward to it being completely resolved.

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