BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Consumer Collection Management. Inc
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection is stemming from me living and renting from XXXX on XXXX at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. This bill is for {$2700.00}. On XX/XX/XXXX, I emailed XXXX XXXX, XXXX to let her know I was moving out and gave her 30 day notice. At this time, I was living there month to month with no lease. Under Kentucky 's Uniform Residential Landlord and Tenant law, month-to-month leases must be terminated with a 30 day written notice of termination. She did email me back and advised it is still 60 days per the lease, I had no lease at this time. 

I will agree, with the bill that I do owe some ancillary charges of cleaning, replacement of screen and blind, but certainly not for XX/XX/XXXX rent. I will pay {$390.00} to XXXXXXXX XXXX XXXX XXXXXXXX if this is taken out of collection, if not I will involve my lawyer. 

Please respond to me, so that I may take care of this as soon as possible 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 2021-01-13
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:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, Reported : XXXX XXXX, 2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2017-02-02
Company: Focus Holding Company
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have tried to contact FOCUS RECEIVABLES MANAGEMENT Wed, XX/XX/2017, at XXXX during business hours after seeing they are charging me XXXX $ for a XXXX fee on my credit report. I have called comcast and questioned them about it, since i still have an account opened with them, and they are not aware of such charges. Please do something about this so it leaves my credit report because it is holding me back from rebuilding my credit. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a demand letter from Medicredit Inc., on XX/XX/2022. Medicredit Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Medicredit Inc., and I do not know how Medicredit Inc., received my private medical information. Medicredit Inc., does not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any type business and I have not agreed to pay/tender anything to Medicredit Inc. My HIPPA rights have been violated. 
I am not a party to any agreements that Medicredit Inc., may or may not have with XXXX XXXX. I have not agreed to pay/tender anything to Medicredit Inc. , or XXXX XXXX XXXX 
Medicredit Inc., and XXXX XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Medicredit Inc., or XXXX XXXX are Holders in Due Course. Please Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Tried to make a money transfer to XXXX via Western Union today sunday. They were able to take the money from my account very fast, but then denied the transfer without giving any explanation. Now they say are not responsible if I DONT GET MY MONEY TODAY BECAUSE IT DEPENDS ON MY BANK. tODAY IS SUNDAY..THE BANK IS CLOSED AND THIS MONEY IS FOR AN EMERGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have sent multiple letters to experian to remove inaccurate addressed and accounts from my credit report and each time they refuse and make it extremely difficult to speak to anyone or address the matter. they stated i had more then one credit report which made no sense and that some of my information was split. after they merged reports i noticed information both personal and accounts that were not mine and they refuse to remove the false accounts let alone match my information to these accounts to make sure they are 100 % accurate. iv stated to them if its not 100 % they can not report it and have spoken to and written to them to remove such accounts as it violates the FCRA. they even want as far to put my name wrong on my report even after sending them my license, social card and birth certificate.

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 2016-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, I obtained a mortgage loan with CCO Finance through Citizens Bank. I was required by Citizens to open up a checking account and pay the loan from this account, which I did. I opened up the checking account at Citizens with {$500.00} and funded the new Citizens checking account by setting up a monthly automatic draw from my checking account at XXXX XXXX XXXX. I confirmed that the XXXX and XXXX XXXX payment to CCO mortgage was timely paid ; I then stopped reviewing this account as it was on autopay. Twenty-two months later, in XXXX XXXX I received a letter from Citizens that I owed the bank {$2300.00} in penalties and interest as each payment from XXXX to Citizens was deemed late. 
According to Citizens, most auto transfers from XXXX were late. According to XXXX, the monies timely cleared each month from the beginning of this loan. I provided XXXX substantiating documentation to Citizens showing each XXXX payment timely cleared. 
Based on the XXXX and XXXX records, of the 21 autopays ( which was made by check from XXXX to Citizens ) ; 10 cleared on the day the check was received ; 5 cleared 1 day later ; 1 cleared 2 days later ; 2 cleared 3 days later and 3 cleared 4 days later. I inquired why is took upwards to 4 days for a check to clear from an account with history ; Citizens was unable to provide an answer to this question. 
Citizens set up an overdraft protection account and drew from this account each month. I never set up the overdraft protection account. I specifically requested documentation from the bank showing I set up this account ; they are not able to provide this documentation. 
I asked Citizens why they informed me of this overdraft situation after 22 months ; they were not able to answer this question. 
I closed the aforementioned Citizens checking account in XXXX XXXX and paid directly ( autopay ) from my XXXX account. There have been no late payments since XXXX XXXX. 
I determined that of the {$2300.00} ; {$1800.00} was monies from the Citizens overdraft account and this amount was paid back to Citizens. Citizens still claims I owe {$740.00} in penalties and interest. 
I pay some XXXX creditors monthly for personal and business purposes using autopay and never have had a problem with late autopayments. 
I spoke with numerous Citizens representatives over a six month period in an attempt to resolve this matter. 
I spoke several times with a representative from the Citizen 's Office of Chairman in an attempt to resolve this matter and provided all relevant documentation. 
Citizens just sent the remaining {$740.00} to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
We are facing the covid outbreak into the second year. I had done birthday shopping before the outbreak started. I heard that all payments and credit debt would not affect us while we are paying. My friend told me about your site. I don't know anything about you guys but my credit score has been going from XXXX closer and closer towards XXXX. Plus the interest fees are non stop. I have only chase bank credit cards. My job had me only working 1-3 days because of covid during the large scale XXXX XXXX. Not only have i been scared for my life, but my debt kept piling up and piling up and every time I get a stimulus, the whole thing pays my debt in only a small portion. I don't get to enjoy it like everybody I see partying or traveling. I do not feel like I am happy at all with life. Please help clear my mind. I don't know how to keep on surviving with debt. I don't want debt. I was on an excellent path of immediate payments. I even managed to pay the XXXX in college loans off. For a long time pre- covid, I had everything in control. Covid changed everything and it's not fair. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.

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 2015-05-28
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been trying to get my mortgage service r to explain to me for 9 months why i owe more money then was agreed to when i modified the mortgage. They have hit me with force-placed insurance multiple times totaling XXXX even after i have shown them time and time again that i have insurance policy with my Home owners association. They keep saying they never got the policy that i sent them. They have also hit with Attorney fees as recent as XX/XX/XXXX. The total i owe them for differed interest is listed on the attachment i am sending you with this complaint. XXXX. This is the agreed terms of the modification. They are claiming i owe them XXXX. In addition to that they want {$2600.00} for the force-placed insurance. Now they have sent me letters that they have sold the mortgage again. I have reason to believe they are doing this to complicate matters further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a small short-term loan via Speedy Cash in California. In CA, I know there is a law that as a state citizen, I am entitled to a short term loan via a loan provider regardless of my credit score ( XXXX ). But as I keep getting pre-approved from Speedy Cash, they keep denying me and keep putting dents in my credit report.

Company response to consumer: Closed
Consumer complaint received 2021-03-21
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I tried to send around XXXX ( XXXX XXXX XXXX litecoins from Coinbase XXXX to XXXX. Usually, this process should take 30 minutes.

This time, my transaction never hit the block chain and its been left on pending for approximately 15 hours. Coinbase XXXX  did not provide me with a transaction ID and my balance still says I have the approximate XXXX XXXX, but i can not touch them as they are still " pending '' I contacted Coinbase and they did not help me. this is a lot of money to be messing with. 

The case # s from coinbase are # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I contacted Transunion to remove a few hard inquiries that was not made by me! 

The customer service department refused to. 

The inquires that need to be removed are : XXXX XXXX, XXXX XXXX, AND 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 2020-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made extra payments to my mortgage so my LTV is 77 % but my mortgage bank Wells Fargo refuses to cancel my PMI without paying for a broker 's opinion or appraisal. They said it does not matter what my current LTV is, I either have to pay for the appraisal that determines my eligibility or wait for the date of 78 % specified on the amortization schedule that was generated on the loan closing date. According to the amortization schedule I received at the loan closing, I have to wait until XX/XX/2025 for them to automatically cancel the PMI. 
Is this legal? I need some advice. 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 2022-03-27
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I filed bankruptcy in 2019 it was discharged in 2019, XXXX XXXX  was the issuer of a XXXX XXXX XXXX  I included. They were notified all was fine. A week ago check my credit report and see they flagged the old card ( numbers math ) as They I filed bankruptcy this XXXX XXXX and I did not. I will be filling against Experian because I called court and was told XXXX should have had to provide a case number before this hit my report. I have hard to rebuild credit and it has dropped my score XXXX points. I called XXXX they gave me a fax number it did not work invalid called again got fax number and address fax number again don't work address is no where close to to where this bank is at. 
I have include all documents I can

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 2022-04-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclaycard has refused to resolve nearly {$3000.00} in fraudulent charges on my accounts, from XXXX and XX/XX/2022. These fraudulent charges are the result of Barclays mailing me a package of convenience checks which I did not request. These checks were subsequently stolen from my mailbox as part of an ongoing mail theft issue my neighborhood in XXXX XXXX faces. The perpetrator of the mail theft then wrote the checks to himself, to a name that is clearly not associated with me or my account in any way. 

I have spent nearly twenty hours on the phone with the fraud and investigations team at Barclaycard since XXXX when this charge originally occurred. I have made it repeatedly clear that this was fraud, and yet they have concluded that these were " valid transactions, '' leaving me liable to pay my credit card bill or face impacting my credit rating. The reporting and phone assistance process was the most infuriating and painful twenty hours of my life, fraught with hours of hold time, countless representatives who had no idea what they were talking about, reading scripts, and passing me around departments who also could not fix my issue. Ultimately, I am at a total loss, and apparently left with no choice but to pay the credit card bill that consists entirely of the fraudulent charges ( including both the original " convenience checks '' as well as the " balance transfer fees '' and " interest '' charges associated with them ).

Buyer beware - Barclaycard will NOT protect your accounts from fraudulent activity. In fact, they encourage it, by sending " convenience checks '' without any request, which can then be used by anyone to write fake checks to themselves.

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 monetary relief
Consumer complaint received 2022-03-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was sent a Chase ( Sapphire ) credit card without applying for it or requesting it. When I opened my Chase App on my phone ( I have a Chase Amazon credit card ) I saw a second account for The Sapphire credit card and a {$95.00} annual fee. 

I messaged them immediately to remove the fee and close the account as I did not authorize it. They closed the account but the fee still shows on the card. They said it would be 1 to 2 billing cycles before it dropped off. 

I wanted to report this unauthorized practice and request that the company be penalized for it. It caused me anxiety and cost me time I dont have to deal with this nonsense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I mailed letters to XXXX advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.

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 2015-06-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
MY SERVICER, BAYVIEW LOAN SERVICING LLC, HAS BEEN PROCESSING A SHORT SALE TRANSACTION. I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. BAYVIEW 'S APPROVAL PROCESS ON THIS REQUEST IS EXTRAORDINARILY LONG. BAYVIEW INDICATED THAT THE TRANSACTION IS TAKING TOO LONG ( BECAUSE OF BAYVIEW 'S DELAYS ). BAYVIEW HAS SET A FORECLOSURE SALE FOR XXXX XXXX, 2015. I HAD MADE A REQUEST FOR POSTPONEMENT. A CALL WAS MADE YESTERDAY TO CHECK ON THE STATUS OF THE REQUEST FOR POSTPONEMENT. XXXX AT EXTENSION XXXX INDICATED THAT SHE DID NOT HAVE INFORMATION ON THE FORECLOSURE SALE AND NO ONE IS AVAILABLE TO PROVIDE THAT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation