BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an invoice clearly stating amount due to Kohls with a due date of XX/XX/2018. Yet they keep calling from : XXXX XXXX XXXX XXXX When I answer, they dob't say who they are, only a first name, like, " XXXX '' XXXX I ask where calling from. They won't say, just ask for me again. I have to finally ask what company are you calling from. They relunctantly and very fast answer. 
I've told them at least a dozen times and texted at least 5 times to stop calling me. I will pay what I owe when it is due. I do nit need to be called numerous times throughout the day from different numbers harrassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
Navient is reporting to XXXX that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with Navient numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had the same loan servicing issues multiple times with PHH Mortgage Servicing. 

I am including screenshot images to my complaint today regarding the issue. 

I logged into my PHH Mortgage account today, XX/XX/XXXX, at approximately XXXX EST to make an online payment on my loan account for my XX/XX/XXXX payment. 

The scheduled date of the online payment automatically defaults to tomorrows date, XX/XX/XXXX. When I click on the calendar icon located in the field titled Payment Date, I am unable to select todays date of XX/XX/XXXX, as it is grayed out and unable to be selected. 

At the bottom of the webpage, located above the blue SUBMIT PAYMENT button, PHH Mortgage has a disclaimer that clearly states Payments made before XXXX PM EST Monday through Friday ( excluding holidays ) will be processed and applied to the account the same day the payment is made. 

I am unclear why if it is prior to 9PM EST, PHH Mortgages website will not allow payments to be made and processed until the next business day, which directly contradicts the disclaimer listed on their website. 

By instituting this system, PHH Mortgage is either directly or indirectly steering mortgagees to call into the customer service line, and incur an additional fee to make a payment by phone, or being forced to select a future date to schedule a payment, which could possibly result in a late fee being assessed by PHH Mortgage. 

I would like to note that I did call PHH Mortgage customer service after the online system would not let me select todays date for my payment, and I explained the situation to the representative who handled my call. The reps solution was to take my payment over the phone and waive the pay by phone fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: MoneyLion Inc.
State: WA
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 am a victim of identity theft. Incidents has been filed to local police department for police report. The fraud Moneylion account is a result of the identity. I sent email and made multiple calls to reach out to the institute fraud department when I received a debit card in letter. The call is always directed to voice message only. I have never received any call back after leaving them message. When I talked to their customer service department with recorded call reference ID, they assured me the account was frozen on XX/XX/XXXX with fraud alert, but when I called again XX/XX/XXXX for follow up, they told me that a loan was approved even after I put security freeze for all XXXX credit bureaus. The email I sent on XX/XX/XXXX to alert the fraudulent accounts and got a reply with a generic custom support email for rating of the service. So far there isnt any other response or call back. A very challenging institute to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Americas Car-Mart, Inc.
State: AR
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:
XXXX XXXX XXXX XXXX : Account # XXXX for the ammount of {$1400.00}, XXXX  XXXX : account number XXXX for the ammount of {$760.00}, XXXX XXXX XXXX : account number XXXX, XXXX  XXXX  : account number XXXX for the ammount of {$2500.00}, XXXX XXXX account number XXXX IN THE AMOUNT OF {$1400.00} I Certified Mail Documents to each individual company informing the entity of my invoking Common Law Rights. Also, the Law pertaining to the Fraud of doubble dipping against the fictious entity bu use of the asociated Social Security Number that was set up ans assigned for ofial use by me the Authorized Representative. The above Cincorporated Entities have and are sill exploiting my name are committing against my Fictitious entity name. I am the only Authorized Representative with the proper claim to the entity/ ficticius I also constructed an official Afiidavid of All Accounts are Prepaid. According to The Post Master 's General Rule or also known as the Mail Box Rule The Companies, the Corporations have accepted the binding Contract I sent to each. I am an Americal National only under the Authority of XXXX itself. I am Sovereign, Free, and can not be forced into a fictitious and fraudulent agreement with a dead entity. One I am not a part of in legal ties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
In accordance with the fair credit reporting act XXXX  Acct # XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instruction.

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 2019-05-20
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: Investigation took more than 30 days

Complaint:
THE concern- I opted in to receive alerts to potential risks to my credit score. 
Then I started received alarming emails that my credit cards and personal information are at risk plus did I know that the deep web is extremely capable of instantly wiping me out, its virtually impossible to find them and get my money back, regain my credit ... BUT, EXPERIAN will come to my rescue for a FEE & MEMBERSHIP of $ $ $ . 
Isnt this a CONFLICT OF INTEREST? 
This is one of THE BIG THREE that is capable of reporting and affecting the publics ability to get a job, car, house! 

I have also contacted the Florida State Attorneys Office regarding my concern Experian was able to market themselves, use scare tactics, exploit seniors AND be one of the top three credit reporting companies? But guess I didnt make myself clear? I received a form letter to fill-out to correct any false information Experian may be reporting. 
Please advise. 
Thank you-

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 2022-05-03
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX BANKRUPTCY ACCOUNT # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 also States A consumer reporting agency can not furnish a account without my written instructions

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 2021-12-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I noticed a hard credit inquiry from XXXX XXXX XXXX out of California. I have never spoken with or heard of this company, nor have I attempted to get a mortgage. I attempted to email and call multiple times since and have not gotten an email back or even been able to get through on the phone during regular business hours to find out why I have an inquiry from them. 
After these attempts I finally contacted Experian to file a dispute and after doing so they told me to file a report through this agency.

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 2018-05-31
Company: Coinbase, Inc.
State: PA
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 made a couple of purchases of bitcoin through Coinbase 's  buy/sell feature and deposited to my Coinbase bitcoin wallet. My coinbase bitcoin wallet available balance reflects the amount of the deposits, however, I am unable to do anything with them. Initially Coinbase support told me that they just had to make sure the transactions cleared my bank. According to my bank the transactions have cleared. However, I am still unable to access my Coinbase bitcoin wallet for sending my bitcoin. Furthermore, now Bitcoin support is telling me it will 57 days before I will be able to do anything with the bitcoin in my wallet. They won't give me a reason other then they need to wait until the transactions have cleared my bank. When I phone them and tell them ( again ) that the transactions have cleared my bank they say there's nothing they can do - unacceptable. When I email them and tell them the transactions have cleared my bank with pictures showing proof of the cleared transactions, I get no reply from them. I've tried to close my account and have all funds transferred to a different wallet provider, however, Coinbase will not let me to this either. I basically consider them as having stole my money for 57 days or longer if they so choose. I wish I had researched them better before I decided to do " business '' with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
FedLoan Servicing Center has reported incorrect information on my ( XXXX ) credit report. I have been unable to reach them to clear it up because the number they have listed/provided ( XXXX ) is not a working number. It immediately disconnects after the first ring. 

FedLoan recently discontinued handling federal student loans & transferred all their accounts to other lenders ( XXXX & XXXX ). My loans were transferred to XXXX. However, an error ( obviously ) occurred in the transfer. My ( FedLoan ) loans were in an IDR ( Income Driven Repayment ) Plan, with {$0.00} past due & a {$0.00} balance due at the time of the transfer. 

Note : FedLoan Company is not out of business, they are just no longer a student loan company. Therefore, they should still be contactable. 

I have a credit dispute that I have been attempting to clear up and resolve but can not reach them. 

Though XXXX Credit Bureau shows my FedLoan account at a {$0.00} balance, it is still showing up as a delinquent status. I was denied a loan ( from another lender company ) because of this inaccurate reporting on my credit report. This is keeping me from ( re ) starting school ( in XXXX days ). 

Please see that FedLoan corrects this ( delinquent status ) error immediately. 

Please contact me asap at XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2021-12-17
Company: ACOPIA CAPITAL GROUP
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 i went to XXXX plus located in XXXX XXXX alabama and meet with a lady name XXXX XXXX XXXX who i was introduced to by XXXX XXXX XXXX who is license to do application loans for the public she own Acopia Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama. On XX/XX/2021 i signed and XXXX XXXX agreement for a home loacated at XXXX XXXX XXXX XXXX loacted in XXXX. alabama XXXX I put down Earnest money to secure the property! the sell was to close and deed delivered on XX/XX/2021! I recieved approval for the loan from acopia home loan XXXX XXXX with condtions of providing documents such as unnecessary things and a gift letter for closing! on i signed loans papers with acopia home loans XX/XX/2021. I never made it to XXXX XXXX in XXXX XXXX for closing but they told me it had already closed! XXXX i did my investagtion and found the loan at XXXX serving where they sold the loan to XXXX XXXX! I have emails and documents to prove what in saying XXXX XXXX at XXXX XXXX told me that if i never got approve it wont never made to the pipe line! I really think acopia homes is doing fruad! I was adviced by exchanged bank what just happen was fruad and they hope i get it solved when i went to cash the escrow check that XXXX XXXX wrote me! I would like help on solving this XXXX XXXX XXXX case and the property that XXXX mortgage said i lawfully own and i was protected by the federal gouvernment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CFW Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I borrowed money from this company several times and always pay back 3-4x what i borrowed. I understand the nature of these risky loans but desperate times called for it. 
But I'm a XXXX XXXX XXXX XXXX  and due to the COVID-19 crisis all of my business were shutdown by the federal and local Government. 
I wrote and called the company and explained the situation. I told them that due to the crisis i have little to no income coming. I sent a letter of revocation and i even put a stop pay at my bank. 
I emailed cash for whatever and asked to workout a different repayment option that didn't involve them drafting my account. 
They won't respond. They've even created a fake check to get money from my account because they couldn't do the ACH because of the stop payment. 
As of now my account is almost {$350.00} in the hole because they've hit my account 3x in two weeks  plus about 4 {$35.00} overdraft fees. 
I haven't had a pay check in almost 2 months and I'm struggling to feed my family. 
What can i do?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: OR
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated 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 non-monetary relief
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to XXXX, Equifax and XXXX and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like XXXX, Equifax and XXXX they have yet to respond in our favor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX deleted the inaccurate inaccurate information. This account is not mine. I have disputed this account for a few years now. Very recently, have assigned it to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Medical Society Business Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: REGIONS FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am an XXXX, a XXXX XXXX, living in XXXX. I have an account at REGIONS BANK in XXXX, Florida, where my pension and SSA is deposited monthly. 

My ATM Card expired XXXX. I've been attempting to obtain a new ATM Card from REGIONS BANK since XXXX. Today is XXXX. I have emailed the bank multiple times explaining that I am without access to my funds until I receive my new ATM Card. 
I have even asked them to XXXX XXXX it to me. 

I continually get the same response from the bank that it can take up to 10 days to receive since I reside in XXXX. Their responses seem preprogramed with minimal Customer Service to my predicament. Now, 20 days later they're responded that instead of the 10 days they first mentioned, it can take 30 days. 

As of today 's post I still have not received my card, which leaves me without access to my money for living expenses and medical expenses. 

If you can advise me I would be most appreciative. Thank you. 
XXXX XXXX email : XXXX I

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