BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I am writing this letter to file a complaint against Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX, VA XXXX. I mailed this company a debt validation letter on XX/XX/2021, through certified mail. It was delivered on XX/XX/2021. Tracking # XXXX. In my letter, I requested that Portfolio Recovery Associates send me several things including written proof to validate that this is my account. Included in this proof would be a signed agreement showing my knowledge/ownership of the accounts in question and the agreement to pay the amounts in question. Portfolio Recovery Associates failed to produce a copy of any signed agreements with my signature showing I am under contract to pay for this debt nor that this debt is mine. Instead, I only received copies of bills and a letter from Portfolio Recovery Associates and XXXX XXXX which is not enough to validate the debt in question. Portfolio Recovery Associates failed to include everything that I requested in my letter therefore they failed to validate the debt. Because Portfolio Recovery Associates has failed to supply me with all the documentation that I requested, I am asking to have this collection be removed from all three credit bureaus and cease all collection activities immediately. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was temporary laid off as a non essential business employee because of Covid-19. 
I was approved for a mortgage forebeafance but the mortgage company said that the entire unpaid amount will be due at the end of the forebeafance because the Cares Act does not currently allow payment deferral. 
If I cant make a monthly payment because of the pandemic, how will I be able to make a lump sum payment of a few months all at once while out of work!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act XXXX  Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number 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 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 2020-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Debt is over 10 years old. However, the collection agency is stating that I made a payment back in 2016 which they say restarted the time frame that the debt can reflect on my credit. This is definitely inaccurate information. I have requested proof of this payment on numerous occasions and have yet to receive this. The credit report has zero information on when the last payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Shellpoint Partners, LLC
State: NJ
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 closed business for 7wks, The lender offered a XXXX forbearance month. The proof is attached. I paid in XXXX AS AGREED. I was NEVER 30 days late. The documentation will corroborate the FORBEARANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my last statement in full 3 weeks prior to it's due date - have since gotten late fees and now a notice of default. 
See complaint # XXXX I have never had a late payment and my credit records have always been impeccable - I am a responsible senior citizen that's being taken for a ride. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Modification of loan granted in XXXX by Citimortgage then " unbooked '' by Citimortgage in XXXX XXXX due to their " internal issue. '' As a consequence, Citimortgage has reported nine months of delinquent payments and inaccurate balance of account to the XXXX credit bureaus dating the inaccurate data from before the modification was approved. I have documentation from the company assuring me that no negative reporting would occur. I submitted disputes to the bureaus but when updated, information from the mortgage company continues to reflect the inaccurate information with even greater delinquencies.

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 2021-12-21
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My coinbase.com account was hacked and $ XXXX was stolen. 

My account was secured with app-based 2FA and address whitelisting, yet coinbase allowed someone to login to my account, sell crypto assets, add their bank account, and steal my funds. 

Coinbase told me it went to a XXXX XXXX XXXX account ending in XXXX on XX/XX/2021. I had already initiated my account lock/recovery on XX/XX/2021. 

In called XXXX XXXX XXXX XXXX XXXX- they told me that coinbase.com has capabilities to stop the transfer. Yet, coinbase tells me the transfer went through and they can not do anything about it. and have a ticket open with no action. 

This was a breach on coinbase and I need help recovering my funds from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: FIDELITY CAPITAL HOLDINGS, INC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have met and continue to meet the payment requirements however it has been placed in collections. I did initially fail to meet the payment obligation however paid the previouse month and current month XX/XX/XXXX as per a phone conversation with the point of contact. XXXX XXXX who works for XXXX XXXX I experessed to her I don want this to hit my credit she said no problem just pay the last month missed and the current month and continue to pay on time from now on so I have and XX/XX/XXXX it was placed in collection on my credit report. I continue to pay and have all receipts if needed however they report every month I make a payment. I want this pulled off my credit report since they are continueing to accept the payment terms as discuss as well as the fact I have not missed or been late since 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 2015-06-28
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
when i closed by XXXX XXXX account i paid my bill and full balance as i always do. months later i was contacted by verizon for non payment. i showed them proof of payment from my bank checking account. i was told that when i close an account that because i had phone internet and tv i should have paid the balances seperatly to different addresses. i never had done this in the past. i paid my bill as i allways have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unauthorized inquiries on my Experian credit report. 
WWW.EXPERIAN.COMI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for the Citi XXXX consumer credit card in XXXX, 2016. As I was out of state, I did n't receive the card for a couple months. This was because they could n't send the physical card to an address that was n't the initial address when the card was set-up. According to a rep I just spoke with at Citi, he confirmed I did n't get the card until XXXX/XXXX/2016. 

I was extended an offer to spend {$1000.00} and get XXXX XXXX XXXX miles. Since XXXX/XXXX/2016 I have spent well over {$1000.00} and have n't received those promised miles. I was told today that the offer end date was XXXX/XXXX/2016. That seems fundamentally unfair because I was told I would have 3 months and they admit I did n't get my card until XXXX/XXXX/2016. 

I have no ill will towards Citi but I would like for them to follow through on their promise and put the XXXX XXXX miles into my account immediately. 

Thank you for your help. 

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 2017-01-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
I have had a Citibank credit card since XXXX 2016. In XXXX 2016 my card had fraudulent activity and I was sent a new card. Citibank removed my credit card and all my positive credit payment/balance history from my credit report with all XXXX credit bureaus. I disputed it with Citibank and all XXXX bureaus immediately. I spoke with several XXXX at Citibank as well as all credit bureaus. Citibank told me countless times they had submitted the info to the bureaus and I needed to wait 30 days for them to update. I call the bureaus after that 30 days and they state they 've never received anything from Citibank. I have charged and paid on this card religiously since I opened the account. I have gotten no help from Citibank in adding this account back to my credit profile. I am at their mercy as the bureaus ca n't initiate 'adding ' or 'reinserting ' an account, it must come from the lender/bank directly. I am in the process of buying a home and this has dropped my score by XXXX points making me unable to get approved for the home loan. I will be seeking punitive damages once I get this situation rectified.

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 2016-11-23
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citibank Checking Account based on an offer advertised on their website offering a {$400.00} bonus if I maintained a certain minimum balance. I applied in XX/XX/2016 and file number assigned by Citibank was XXXX I was denied a checking account by Citibank and they sent a letter to that effect. My complaint is regarding this letter since it did not provide any specific adverse action reason to why my application to open a checking account was denied. I have attached the letter as evidence. I have a perfect credit history with no late payments ever and I already have existing credit card relationships with Citibank in perfect standing. I would like to understand why was I denied for a checking account and why was I not given an opportunity to clarify or dispute any information that was missing or derogatory leading to the bank 's adverse decision.

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 2018-02-01
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover Student Loans has misreported or duplicated hard inquiries to XXXX causing an error on my credit report. A hard inquiry was reported on both XX/XX/XXXX and XX/XX/XXXX by " XXXX XXXX XXXX ''. I requested that they please correct this mis-reporting as there is no reason for there to be hard inquiries run on consecutive days and this impacts my credit score. 

XX/XX/XXXX : Initially reported to Discover via online account message system. 
XX/XX/XXXX : Received feedback from DSL that they do not show the two hard inquires reported. They required a copy of my credit report. 
XX/XX/XXXX : Provided screen shot of data on credit report as requested, via XXXX. 
XX/XX/XXXX : Received response that they have received the provided document. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I moved out of my apartment I received a bill for {$650.00} for damages to the apartment. I asked the apartment complex to send me an itemized bill of the damages along with photo proof. The apartment complex failed to give me an itemized bill and photos of what they were charging me for. 2 weeks later I received a letter from a collection agency for the money that was supposedly owed. The collection agency has since started charging me interest on this account, and I still have not received a bill or photos telling me what the damages are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: NV
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:
I filed a third written signed and notarized request for Experian Credit bureau to investigate or Verify information on my Credit report. It has been 30 days or more under the FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( A ) They have not sent me any documentation in regards to there investigation. I feel they have not even investigated the accounts on my credit report. I never received any written notice and my account has not been updated I still have not heard from Experian or received documentation or proof of said accounts to be correct.

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 2021-03-25
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I honestly feel I am being discriminated against to getting any type of loan. How am I to build my credit score ( as they say they would with individuals with less than perfect credit ) when I can not be approved? I feel as my name and me being a minority I am constantly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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:
I've contacted Equifax several times and they are in strict violation of HIPAA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. i did not give my permission verbal or written to disclose any of my personal medical records to third parties. Equifax is reporting 4 collection accounts ( 3 w/ XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ) No validation of debt and HIPAA Authorization has been provided from either the collection agency nor Equifax XXXX Furthermore, the credit bureau should not be reporting a debt until it has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Early Warning Services, LLC
State: DC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
XXXX ( now owned by Early Warning ) is denying me access to a financial service ( money transfer ) due to wrong information about me that they are using, which they will neither share with me nor let me protest or correct. I am trying to transfer money between a savings account at XXXX XXXX and a checking account at XXXX XXXX Bank using XXXX ( XXXX XXXX uses XXXX for their SurePay service ). I initiated the transfer via XXXX XXXX, and XXXX asked me to enter my address, phone number, and last XXXX digits of my social security number. Although I am 100 % sure that the information I entered was accurate, I was notified by XXXX that the information did not match their information. After XXXX attempts I was notified that I am now barred from XXXX service and can never use it going forward. I called XXXX customer service, and was told that my current address does not match their information. I explained that they must have the wrong address for me. I 've been at my address for two years, and asked how I might escalate and have them update their information. They said there is no way to do this, that there is no process for me to escalate or appeal, and that I am barred from using their service forever. They were not even willing to take down a complaint for me. XXXX XXXX does not have another way to transfer money without fees. I am thus denied this financial service based on XXXX 's reliance on misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on XXXX my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank XXXX XXXX, Ky. 

2.XXXX XXXX XXXX XXXX XXXX calls are recordings as early as before XXXX as late as XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: CT
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:
There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation