BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I challeged my phone debt when I checked my credit online. Which is a good and bad idea. As soon as you do this the companies that you are in debt with call you non stop. I only have two both phone companies. One I do owe on and the other is in question and I have repeated this to them before. Did a promo switch to XXXX. XXXX did and has not paid or honored agreement. My fianc is in the same situation but I believe different company. Frequent calls. What I mean is every day so far or every 3 days calls and they do n't seem to take notes because I tell them the same thing. Mail me a settlement letter so I can give to XXXX to pay. They have yet to do so for the past 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: NC
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 am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, XXXX, and experian as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XX/XX/XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- 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 2017-06-30
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received a response from Wells Fargo and they simply tried to brush off a complaint with a standard response. CLEARLY in my email it mentioned that I was eligible for the {$250.00} bonus and I have met the 10x transactions requirement. This so called private invitation had a public url " XXXX XXXX XXXX ''. If there was some error along the way, should n't Wells Fargo be held accountable for their mistake and own up to it? I am filing another complaint as I feel I am being unfairly treated by Wells Fargo.

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 2017-06-29
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:
They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.

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 2021-07-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has been unlawfully furnishing information on my report. I've reached out on three separate occasions. I have included both my driver 's license and a utility bill to verify personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with Rocket Mortgage in XX/XX/2019. I was pre-approved for a loan and had completed all paperwork and documents required. I had asked multiple times if there would be any problems with my loan. I was told every time that the loan is good and that there are no problems. I also got a second pre-approval for a higher amount. My current home is under contract being sold and the new home I was looking at is also under contract to be purchased by myself. Again I verified that there was nothing that would hold up the loan or to be worried about getting denied. All of a sudden I get a call on XX/XX/2019 stating that my loan is denied and there is nothing I can do about it but submit this complaint. I tried to get information but kept being told that my loan is denied and would never be looked at or reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I send XXXX  token from XXXX ti coinbase buy not arrived, there are XXXX of people that felt in this error because isnt clear that u cant send the token from XXXX to coinbase. 
We are in XXXX of people that have XXXX of this token stopped in limbo. 
Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
State: NC
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 am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, equifax, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: VA
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:
The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: VA
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:
The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: AES/PHEAA
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested an override to my XXXX XXXX payment so that I pay the correct amount and have it count toward the Public Service Loan Forgiveness ( PSLF ). In response to my separate Consumer Finance Protection Bureau ( CFPB ) complaint number XXXX, FedLoan Servicing responded that " Because an override was not requested until XXXX XXXX, XXXX, and no payment was made, we are unable to perform an override for XXXX XXXX. '' This is a wholly unsatisfactory response. I did not pay my XXXX XXXX payment because FedLoan Servicing : 1 ) miscalculated my income-driven payment amounts due to their erroneous interpretation of my spouse 's income three times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX ; 2 ) I was advised by FedLoan Servicing customer service agents multiple times by phone that I should not pay my monthly payments until their error surrounding my payment amount was resolved ; and 3 ) I was specifically advised by FedLoan Servicing agents that I would be offered a payment override so I would not miss PSLF qualifying payments ( this was of critical importance to me ). 

The XXXX XXXX, XXXX response by FedLoan Servicing to my complaint did not respond to the arguments I put forth about why my XXXX XXXX payment should be overridden and thus is non-responsive. My request to override my XXXX and XXXX XXXX payments because of their miscalculation error was approved. The company did not provide any logical reason why they could override the XXXX and XXXX payments but not the XXXX XXXX payment. 

A FedLoan Servicing agent indicated during my last interaction with the company by phone on XXXX XXXX, XXXX that the decision was being reviewed. Three months later I still have not received a response to my concerns. 

I request that FedLoan Servicing respond to my complaints and override my XXXX XXXX payment so I can pay the correct payment amount and have it qualify for the PSLF. 

I have attached the text of my original complaint and the responses I have received to date from FedLoan Servicing. 

Thanks for your attention to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2006 my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid XXXX now claims not to have been paid. 9 years later a debt collector messerli and kramer is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and messerli and kramer to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MD
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, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Ridge & Valley Realty, Inc.
State: CO
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 had 3 collections on my credit report from credit systems , inc and i was told by them that if i paid them then they would remove the collections from my credit reports. i have tried unsuccessfully to get the company to remove the collections like they said they would. I have also tried to get them removed by disputing the collections with the credit bureaus.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2017-06-30
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, Coinbase allows to buy cryptocurrency such as Bitcoin. I initially verified my identity, and purchased bitcoins using various means of payment ( credit card and bank account ). They then rolled out a " USD wallet '', which is a way for them to store US dollars owned by the consumer, so that the consumer can quickly buy crytocurrency from that USD wallet. I first made a small wire transfer ( {$1000.00} ) to that USD wallet, which was successful, and which I was allowed to use. When I made a second much larger transfer ( {$12000.00} ), they asked for my identity again, which I complied with. They now blocked USD wallet, which holds the money I wired, and ask that I enter my SSN information ( the last 4 digits only ). I attempted to comply, but the system replies with the following message : " Unfortunately, we could not find an identity matching the one you provided. This is common for those that are considered minors, between the age of XXXX-XXXX, or those that may be new to the country and have not established a presence in public data. '' I have been a US taxpayer for almost 6 years, and US resident for almost 4 years, so this excuse makes no sense. I have tried to contact them earlier this week, but did not get a reply within 72 hours, as they said I would. At this point I 'm getting scared that I will never see my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: AL
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:
N Accordance with the Fair Credit Reporting Act. These following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-11-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have attempted several times to reach out to Citi for assistance as I am unemployed due to Covid and I as of XX/XX/2021 had my unemployment end. I have no source of income. I asked Citi if I can have my due date which is today moved to the end of the month and they refused. I asked for smaller payments and they also refused. I have been making on time payments since I opened the was opened. I dont want this to affect my credit but unfortunately due to Citi refusing to work with me during these harsh times because of Covid but they arent willing to help.

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 2020-11-10
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a CashApp account. It is connected to my XXXX banking account. Prior to XX/XX/XXXX, I regularly transferred money from my CashApp account to my XXXX account XXXX XXXX XXXX via their 2-day transfer option, without paying any fees. 

In XX/XX/XXXX, I started running into problems using XXXX to transfer money out of my CashApp account. I have made 7 attempts to XXXX. Of the 7, only 1 was successful. The 1 successful attempt occurred when I opted for an instant transfer and paid the associated processing fee. Every attempt to complete a 2-day transfer has been returned to me with a note that the transfer was denied by XXXX. However, this is the same XXXX who apparently accepted an instant Cashout with no trouble. 

The XXXX attempts are below : 1 ) Unsuccessful - {$1700.00} via 2-day on XXXX 2 ) Unsuccessful - {$1700.00} via 2-day on XXXX 3 ) Successful - {$1.00} via instant on XXXX 4 ) Unsuccessful - {$1600.00} via 2-day on XXXX 5 ) Unsuccessful - {$1.00} via 2-day on XXXX 6 ) Unsuccessful - {$10.00} via 2-day on XXXX 7 ) Unsuccessful - {$1600.00} via 2-day on XXXX -- > This was cancelled by CashApp representative XXXX XXXX in response to my request for assistance in getting my XXXX  successfully completed. 

I contacted XXXX on XXXX. They checked my account and assured me there is nothing blocking my incoming transfer. I have attempted to contact CashApp on XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They only have email support available, there is no one I can speak to. Additionally, they have not been helpful. They have actually gone through and rejected my XXXX requests or given me the steps to submit one although they can see the submitted ( and denied XXXX request right in the queue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted my dispute to JP Morgan Chase Dispute Department on XX/XX/XXXX. 
Claim Number : XXXX I explained customer service representative that I'm disputing a transaction that was posted on my checking account on XX/XX/XXXX with merchant XXXX for {$27.00}. I disputed this transaction with my bank due to merchant cancelled the above referenced transaction per my request and the clerk at XXXX  station confirmed to me that my debit card ending in XXXX would not be charged since I did not fill a gasoline. 
I noticed that my debit card was charged on XX/XX/XXXX for {$27.00} from the merchant. I have been trying one more time to resolve a cancelled transaction with a merchant on XX/XX/XXXX and it was unsuccessfully. 
Therefore, I submitted claim of disputed transaction to JP Morgan Chase on  XX/XX/XXXX and bank accepted for research and I was advised that temporary credit will be issued to my account until they complete their research. 
On XX/XX/XXXX, I received a letter from my bank that notified me that they completed their research of my claim and found that the transaction was processed correctly or was authorized. 
I called dispute department on XX/XX/XXXX and spoke to representative who advised me to contact merchant directly to resolve dispute. I also spoke to account specialist Supervisor named XXXX and she was assisting me with my dispute. Supervisor advised me since the bank has no dispute rights for automated fuel dispensers, the transaction is considered is valid and referred me to contact merchant directly to resolve dispute. I explained them that I have already contacted merchant and was unable to resolve dispute for this transaction. Chase advised me that temporary credit will be removed from my account. I informed bank that I did not receive any service or merchandise from the above merchant, therefore I'm loosing my money. Supervisor confirmed me one more time that bank is loosing my since they do not have dispute rights for this transaction. I completely disagree with Chase research and submitting my complain to Consumer Financial Protection Bureau for further review.

Company response to consumer: Closed with monetary relief