BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX charges in the amount of {$35.00} dollarsI am writing you to lodge a formal complaint about fees that were recently charged to my account. on XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Had a fraudulent bill as a result of identity theft at an old apt with XXXX on my credit in collections, disputed the bill collection was removed from all XXXXreports now XXXX keeps reporting on my payment history that I have an open acct with them and I 'm missing payments every month ruining my credit I have had this removed from all other credit bureaus except experian who just keeps telling me the info is accurate and and was verified by the company I do n't understand how I 'm being reported as not making payments when I do n't have an open acct and it was found that the original acct was removed

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 2022-05-29
Company: EQUIFAX, INC.
State: NH
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: Other problem getting your report or credit score

Complaint:
I can't seem to get a score I had a score a couple different times and then they just disappear and then charges that have been disputed and removed just keep reappearing again and it also States vehicles that I don't even own and it won't allow me to put my name to my actual name and different addresses that I haven't lived at in years or ones that I've never even lived at or on there I have gotten my once a year credit report but it doesn't seem to be reading right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am trying to purchase a home. I don't earn enough money to apply on my own. My mother is a co-applicant and I finally got a preapproval after at least 12 attempts to get a loan without a cosigner. LVNV and Resurgent have 2 negative marks on my credit report. I tried to dispute them because I have been living on a very limited income for over 8 years. I called to see if I could settle on both, one over {$400.00} the other over {$600.00}. I only receive a check for {$950.00} and my rent is XXXX. The settlement amount were no more than {$50.00} less than the actual balance. I asked about a hardship discharge and I was given the instructions on how to apply. I was not informed during the initial contact and a subsequent follow-up to check the status of the application that their hardship is temporary and I could make small payments during this time, which I still don't know what the time frame is for the hardship. My option is to agree to a plan for $ XXXX for about 3 years. I asked would the items be taken out of the delinquent status once I started paying. I was told that once I paid for the loan completely then it will be removed from negative. 

This is causing me to not be able to get affordable housing and I can't get the mortgage until I get them resolved. And the terms of the estimated loan amount, 15 years on XXXX are not favorable to the circumstances. I asked about the 30 year fixed, I asked about the fannie mae home ready and I was told that it was determined by the computer system.I don't know why we were not informed about the credit items when they did the credit check, but they reduced the amount of the loan estimate from $ XXXX to $ XXXX, which includes a down payment amount, but I already have a down payment. 15 years in my case is not realistic. If i need a cosigner to be approved, why would I be placed on such strict terms? I am still trying to get the collectors holding the delinquents on my account to work with me on reasonable terms.I thought I would be done with the challenges that I have endured by myself but it continues, there's always a new hurdle to cross, but there is a pattern that is undeniable. Can collection companies refuse to remove the old accounts that prevent me from obtaining affordable housing? 
I have at least XXXX inquiries on my report and they are all mortgage inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I DO NOT KNOW WHO : CENTRAL CREDIT SERVICE ACCT XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX I CALLD BUT SOME MALE FROM SOME XXXX PICKED UP TRYING TO ASK FOR MY PERSONAL INFO. 

THIS IS A HUGE SCAM!!!!!!!!

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 2016-12-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing failed to keep a mitigation appointment with me by phone. I made an appointment to speak with my Relationship XXXX and have waited several days to receive a call which was scheduled for today at XXXX pm. No call came. Ocwen Loan Servicing is in violation of the CFPB settlement with CFPB. Ocwen Loan Servicing has no intention to attempt to mitigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint against " Loancare '' and servicer " XXXX XXXX. '' They will not send updated terms and agreement for loan modification. Request updated morgage filed XXXX and documents as requested over phone. Loan care excuse " our computers haven't updated. '' They continue to send old statements with old balance and interest rate. Asking for help and recovery of attorney fees. Homeowner are veterans.

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 2015-11-06
Company: Cash Express, LLC
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I had a cash payday loan with cash express have been paying until I got in a finical bind, I tried to talk with them to see if they had some kind I payment plan or something I could do to make paying easier they said no and refused to work with me, now they have started harassing me by calling my home demanding money and also come to my home demanding their money and leaving letters on my door when I am not at home is there any way to stop them from coming to my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Western-Shamrock Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a decrease in my hours at my job, and this the reason why I have fallen behind on my loans. I discuss it with the loan companies stating that I would not be able to make the original payment, could they accept half a payment and they told me no, and I told them that was all I could do at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My chime checking account got ran for {$310.00} with a fraud fake XXXX account and I have proof its not legit and statements from my actual XXXX  that I only pay {$79.00} a month and chime keeps denied my request of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: The CBE Group, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated phone calls from a company called CBE. They use robocalling but never once have they answered the phone. I don't know why they are calling or what det it is in reference because they never pick up the line. 

CALL HISTORY : XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2XXXX XXXX XXXX No answer XX/XX/2022 XXXX XXXX No answer XX/XX/202XXXX XXXX XXXX. and XXXXXXXX XXXX No answer XX/XX/2022 XXXXXXXX XXXX No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. and XXXX XXXX. No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXX XXXX. and XXXXXXXX XXXX No answer XX/XX/2022 XXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer XX/XX/2022 XXXXXXXX XXXX. No answer I am XXXX and have one phone, it is taxing on me to go to the phone everytime they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Comerica
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.

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 2016-03-24
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We obtained a refinance of the mortgage on our home.The new mortgager was GMAC.The title company never paid off the original mortgage with XXXX and XXXX principles of XXXX Title ended up in prison.We were able to negotiate a settlement with GMAC so we did not have XXXX mortgages on the same property.Subsequently GMAC sold our released mortgage to Ocwen who then tried to forclose on the property.We avoided the foreclosure and reached a settlement with Ocwen because they ruined our credit after starting foreclosure proceedings XXXX separate times.The question is since GMAC no longer exists do we have any recourse against GMACXXXX for violating the terms of the confidential settlement agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: MOHELA
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:
Someone stole my identity used it to get students loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2022-05-29
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
hello i sent a letter to a company called AMERICOLLECT as it shows on XXXX XXXX  that they say i owe somekind of debt but never responded to my letter to validate the debt i read on the internet they have 30 days to respond that was 2 months ago i even have proof the letter was recieved and signed for i saw on the internet thats a violation of 15 usc 1692 g ( b ) Collector must cease collection efforts until debt is validated, on top that i wrote a letter to all of the credit bureas they verified it anyways they keep furnishing inaccurate information which is causing my blood pressure to raise the account status is open and its a collection account this is clearly not accurate and the date of last activity is showing 3 different dates the laws says the bureas must report 100 percent accurate also google new laws in california tuens out this company is not registered with the ( DFPI ) PURSUANT ( DCLA ) DEBT COLLECTION LICENSING ACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Broward Adjustment Services
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've sent this company proof of the insurance I had at the time of this debt as well as proof of my proof of XXXX yet the company continues aggressive collections

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 2015-04-13
Company: The Nguyen Law Firm, PLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in XX/XX/XXXX the month it occurred, but keep getting bills and now from Collection agency. Now saying that I showed proof after the bill was sent to Collection Agency. the bill was paid in XX/XX/XXXX and received a notice from Collection Agency in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice of an escrow shortage from ocwen for {$950.00}. I sent them a check waited, called them nothinghappened. So I sent another check thinking maybe thefirst XXXX got lost. Again nothing happened. Finallygot a hold of someone they said they have both checksand the first XXXX is being processed. Still nothing. Its been XXXX. I have a check for {$950.00} that I have no idea if whenor if it will be cashed. They do n't answer emails their callcenter is in XXXX and are no help at all. On top of thatmy last payment which they got a day before the due datethey applied to principle and not the payment due then theysaid I was late on my payment. I have never been latepaying them. They just had to pay XXXX dollars fordoing this kind of thing and they are still doing it. Willanyone do anything to stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: OH
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:
All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS

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 2020-10-05
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: Public record information inaccurate

Complaint:
When I obtained a copy of my Experian credit report it showed that a bankruptcy was on my personal report that was filed in a court in XXXX NY in XXXX of XXXX. I tried to drive to this courthouse and was told that it no longer exists and has not for decades.I then tried to call the phone number for the courthouse listed on my Experian credit report which is a XXXX area code and was informed that the number I dialed was in XXXX, XXXX.On XX/XX/XXXX I sent Experian a certified letter explaining the errors on my report but to my shock and dismay they claimed to have verified this false information. I then sent them a follow up letter on XX/XX/XXXX requesting how they veried the information with the courthouse. They responded that they did not verify the info thru the court but thru a 3rd party called XXXX XXXX.I have had a security freeze on my XXXX XXXX account since XX/XX/XXXX so it would have been impossible for Experian to verify anything with them.Experian lied to me and violated FCRA laws.I sent Experian a letter on XX/XX/XXXX explaining to them the laws which they had violated. I also called them on XX/XX/XXXX at XXXX and was placed on hold for 47 minutes when I did reach a representative I was asked several questions to identify who I was, but when I asked her questions about Experian 's FCRA violations against me, she cursed at me and hung up.I have exhausted every XXXX XXXX to get Experian to resolve this issue to no avail and that is why I am forced to file a complaint against them.

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 2017-09-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear support, my wallet and account are disabled for sell and by operations. After I received on XXXX XXXX the deposit from coinbase, the same wallet has been disabled in all operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but Equifax still reports me negatively on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a company which was a XXXX in state of California with my dad. We opened the company back in XXXX and had some employees at the time. So we fell behind with payment for XXXX XXXX XXXX ( XXXX ). So in XXXX and XXXX they put few liens on the accounts. Since then we resolve all the past due balance with XXXX and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.

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