BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: RGS Financial, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. 
I did not receive notice of right to dispute.This is being report on XXXX, report number # 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 2022-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My problem is with Bank of America. I had had a credit card with them and every payment I made was returned and by the time I called in XX/XX/2021 explaining how my payments were being returned for no reason I had too many returned payments and they shut my card off and closed the account, impacting my credit score negatively. I since have been trying to pay off the remaining {$600.00} on the credit card and they are now deducting the money from my debit card and not putting it towards my credit account. The {$35.00} from last month and {$87.00} from this month I made on XXXX are still deducted from my checking and have not been applied toward my credit account at all. I called today XXXX and told them this issue keeps happening and they said they will try to reimburse the {$35.00} late fee I was charge, but their system is down. They also stated the reason my payments are but going through is also because their mobile payment system is down. If their system was down why is money being deducted from my account and not being applied anywhere? This is beginning to negatively harm my credit score tremendously and it has been on going for months.

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 2017-10-13
Company: Collection Consultants of California
State: CA
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:
Collections Consultants of CA incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As of XXXX XXXX. XXXX, have not been able to login to my Coinbase account and the company is not responding to my requests for assistance. I did receive the reply below back on XX/XX/XXXX, but noting other than an automated response since. I find this greatly disturbing for a financial services provider. 

I have approx. {$2500.00} in there and currently am in dire need of it. 



Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Coinbase Support [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : [ Reply ] Case # XXXX - AUTHENTICATOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a valid, bonafide check for {$5000.00} at a Wells-Fargo ATM in XXXX, AZ on XX/XX/XXXX. It was credited to my Wells-Fargo savings account & then uncredited for " unknown '' reasons.

It's a legitimate check, from a legitimate Wells-Fargo account to another legitimate Wells-Fargo account. After its deposit, it got reversed & yanked. The service rep said just wait 10 days for a letter explaining what the issue was. 
You've got two choices by Federal law & the CPFB regulations. 

1. Return the check.

2. Release the funds. 

What is the problem? Why don't your support reps comply with releasing the name, address & contact information for Wells-Fargo 's compliance offices?

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 2021-05-19
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX in XXXX Az and represent the seller. The buyer came prequalified with a loan from US Bank, XXXX XXXX XXXX, NMLS XXXX. All communication via the Loan Status Update document and other email showed the buyer as being prequalified but 3 days prior to closing, US Bank decided to deny the loan because of something on her credit from when she was married years ago. This wasn't something new that just happened and should have been caught during the weeks leading up to closing. They were unapologetic and would never give anyone a clear reason as to why the loan was denied. I never received anything in writing alerting us to a potential issue. 

The seller during this time had moved to TX and put an offer on a home, now risking the loss of earnest money because of US Banks negligence. The buyer quickly found a lender at XXXX who said they could close in 2 weeks if US Bank would supply the appraisal. US Bank said they would and promised each day to send it over but kept dragging their feet and delaying the paperwork. We should have known they would not do as promised and just ordered a new appraisal. 

Now, we are days from the second COE date and they still have not supplied the documents promised. During this time I have called my several contacts at US Bank numerous times to complain and plead for help but no one has returned my calls. I told them several lives are being held hostage and unable to move forward because of their negligence but they still do not seem to care. The lack of fiduciary duty by these in the mortgage industry is embarrassing to our industry and a cause for concern. They should not be practicing in this industry. Please let me know if there is any recourse with US Bank.

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 2016-11-01
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The mortgage in question was foreclosed on in 2014. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Shellpoint mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted ShellPoint several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. 

I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 

Thank you, XXXX 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 2020-03-25
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: Information belongs to someone else

Complaint:
I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERASSIST AR SOLUTION inaccurately reports as a debt from a creditor XXXX XXXX XXXX. 

I have never conducted business with either of these companies and requested documentation with my signatures which stated I had any type of transaction with these companies but have failed to receive them. 

The companies have placed this on my credit file and it is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Kriya Capital, LLC
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Credence Resource Management saying their client, XXXX XXXX XXXX, had purchased my account. This was for a medical bill from an accident that happened in XXXX 2014. I had quite a few bills from this accident that I had to work to get re-submitted and paid by insurance and I believed I had dealt with all of them. This bill was for {$990.00}. After calling, they told me they could not re-submit my bill to insurance as too much time had elapsed. When I pressed that this was not my responsibility and there must be a mistake, I was put on hold for XXXX minutes. When I talked to the representative again, she indicated there had been a mistake and that I only owed {$70.00}. I asked why I owed this amount and after a lengthy explanation ( none of which made any sense ) I told her I was concerned this was a scam. She asked me if I wanted to speak with a supervisor and put me on hold. Very quickly someone else got on the phone and informed me that I did n't owe any money and apologized for the inconvenience. I do n't know how these people got my medical information, but it seems like a clear scam where they were trying to get me to send them {$990.00} by claiming my insurance did n't cover a medical bill and trying to hold me responsible. This company SHOULD NOT be allowed to keep doing this to unsuspecting US citizens ( I did a search of Credence Resource Management and all of their employees on XXXX are based out of XXXX, XXXX ). This company is either blatantly scamming people or hacking and stealing personal information about medical bills and then sending fake bills. This is not right and I hope someone can stop this from happening to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: The CMI Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX 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 explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items. which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-12-27
Company: CITIBANK, N.A.
State: CA
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 unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

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 2017-03-21
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have no knowledge of this account im on food stamp and XXXX. i should never of had a bill for medical expenses. im not sure if this is a billing issue but they are posting this XXXX $ debt on XXXX reports and constantly calling my phone. its obnoxious and at minimum id like them to notify me by mail only and remove this from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Consumer Portfolio Services, Inc.
State: CA
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:
Good morning, Im writing this to bring light and hopefully some financial relief from what I believe is a companys gross incompetence or at worst a scam to take advantage of their customers.

The business in questio

n CPS ( Consumer Portfolio Services ). Let me give you the details. In 2015 I was unemployed and stayed in contact with CPS during that time. They seemed to be willing to work with me until I received new employment. I signed a Loan extension agreement pushing my missed payment to the back of the loan. 

In XX/XX/2015 I was hired. I sent a copy of my offer letter to CPS to let them know payment would soon restart. They asked me to send two payments to show good faith and to catch up with some of the back payments.

I sent 1 payment of {$500.00} on XX/XX/2015via their website using XXXX ( see attached ) I sent a 2nd payment of {$500.00} 2 weeks later on XX/XX/2015 via their website ( see attached ) Here is where things went crazy. 

In XX/XX/2015 my car was burglarized, some homeless people broke the back window along with other vehicles in the parking lot that night and stole my laptop bag that contained the laptop issued to me from my new employer.

I was asked to file a police report by my employer. While at the police station filing the report the car was towed away. Now I had just spent 90 mins with a police officer filing the report ; he mentioned nothing to me about there being any issues with my car that would have it towed.

My next thought was maybe there was some confusion at CPS maybe the department that handles repossessions was notified and should not have been. When I reached out to the tow company they told me that CPS had already picked up the car.

I reached out to the person Id been working with at CPS on XX/XX/XXXX XXXX XXXX a

sking what was going on and why they had the car. I was told to call and number and speak to a woman about the car. I
called the number and was told that I could have the car back for {$1800.00}. I told the women that day I dont have {$1800.00} It was at this point I assumed that CPS wanted the car back and that it was being repossessed even though I had done what they asked me to do.

2 years later CPS comes back to sue me saying that I stop making payments. At the time I had no proof to tell this story. It wasnt until I went back through all my emails and found my last payment receipts that prove that I was making payments before they repossessed that car.
Today they are garnishing my check for {$600.00} per month for a car they say I owe XXXX. 

Im not sure what anyone can do, but please help me. I really do believe that they are predatory and would do anything to get over on the consumer.

Company response to consumer: Closed with explanation