BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received phone calls from Trident Asset Management looking to collect of a debt that was stemming from a 2014 case of ID theft. I explained to the contact there that that I had a documented case of IDT and it was reported to the major credit bureaus and filed police reports. I did not hear back from them for several months. I have recently been receiving demand letters from XXXX XXXX XXXX of Trident Asset Management. I sent her a certified letter with a copy of my police report proving my claim of the false debt and am continuing to receive demand letters from her. Stating that if I do not respond in writing within 30 days they will consider the debt valid and have a judgement made against me. I keep responding and they keep sending me letter telling me that they are going to get a judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: Nu World Title, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K.
AFTER I SIGNED AND THEY GAVE ME THE HUD-1 ON FRIDAY NIGHT THEY INSIST IN THE GIFT AMMT TO BE TRANSFER TO THEM,ON SATURDAY I RECEIVED MY KEYS AND I MOVED IN OVER THE WEEKEND,ON MONDAY THEY STARTED CALLING ME FOR THE GIFT MONEY AND I REALIZED THAT THEY NEVER GAVE ME THE WARRANTY DEED,TODAY AFTER SEVERAL CALLS MY REALTOR JUST INFORM ME THAT WE NEVER DID I CLOSING AND THATS WHY I DONT HAVE A WARRANTY DEED,NOW IM LOST AND I DON'T KNOW IF I HAVE TO PAY MORE MONEY OR IF I DON'T AND I ALSO WAS TOLD BY MY REALTOR THAT THE MONEY I PAYD FOR INSURANCE(XXXX) IS NOT INCLUDED IN THE CLOSING COST AND THAT'S WHY THE AMMT I PAYD OVER THIS PROCESS IS NOT THE SAME THAT THE ONE IT'S IN THE LINE#XXXX OF THE HUD-1.
CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i sent to many time by the credit bureaus a FTC report and they just verified my account, and this account isn't mine, this is fraud.

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: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

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 2022-01-31
Company: GOLDMAN SACHS BANK USA
State: PA
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:
Merchant : Stocklabs Dates : XX/XX/2021, XX/XX/2021 Amount per date charged : {$59.00} This dispute was overturned by Goldman Sachs, as they did not review all of the evidence that I had submitted to the agent on the other end. The merchant has an online portal on which they demand that users submit requests. They are not responsive for months, and hence, the subscription keeps getting renewed. They do not leave paper trails, email, or otherwise communications encrypted within their portal. Their website is sketchy at best. This is part of the reason why I discontinued doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Paypal Holdings, Inc
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
File against : PayPal Credit ( Bill Me Later, Inc ) Refusal to admit me in a hardship program for my XXXX, XXXX in car wreck unable to pay, I should qualify for a med hardship program? I am currently still treating for XXXX and XXXX resulting from a car crash that was not my fault. This XXXX has caused me to lose income and hours. I have repeatedly tried to bring this to the attention of paypal credit relating to my balance. My credit continues to get hurt because I am not on a proper repayment plan. I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other financial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you. 

Your Desired Resolution : I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other fincancial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: Gatestone & Co. International Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
One day when I first got out of jail for XXXX I was start to pay the fine of it was only XXXX dollars and half through paying it off and one day I went in to the court to pay and the lady told me I 'm done there is a XXXX balance now and I 'm done paying the whole thing that everything was done .Later on I caught another charge and I was starting to pay it off and they told me that they brought up this old charge and and said I have to contact them immediately so I did and now I have to pay more money now it 's up to 2000 dollars and that 's money I now do not have they keep harassing me and I do n't have that kind of money they wo n't stop Harrissing me and I can not pay them the money now.

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 2015-09-23
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was an outstanding balance owed by my ex-wife at a dentist for our children. The dentist forwarded the debt to a debt collector in XX/XX/XXXX and when I was contacted I immediately payed the debt. In XX/XX/XXXX the debt collector added a collection to my credit report for {$720.00} and refuses to remove it. I contacted the dentist office and they report they have not received the money I paid to the debt collector. Also the balance was only {$470.00} yet I paid {$610.00}. The dentist office was supposed to take care of this error but they refuse to answer my phone calls and the debt collector hangs up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to close my online checking account with XXXX XXXX  after withdrawing my funds early in 2021. XXXX did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted XXXX via chat and phone and was told customer service can't do anything about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 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 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently paid down XXXX of my credit cards to reduce my utilization. Transunion has not updated any of the accounts. I checked with the creditors who are advising that they send the information over to all of the bureaus. Transunion has also allowed a collection company GC services to update a collection account XXXX times within two weeks. The update now includes an incorrect amount. These are strategy 's by Transunion to keep my score low. I also disputed a tax collection account in the amount of {$80.00} the investigation was due to be completed XXXX XXXX 2017. When i logged in the check the status of the investigation I discovered that the dipute was no longer active. I had to start a new dispute on the item. The item has been paid and was the mortgage companys responsibility. The actions of Transunion has caused me financial harm.

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 2022-07-21
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2017-05-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had tried multiple times to apply for a Chase account. I was declined by  XXXX   XXXX  Systems, I then requested my credit report and found no derogatory items. I went back to the bank after several attempts to solve the issue I was unable to get the account. I applied for a report from  XXXX   XXXX   XXXX  and I am awaiting the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
In 2010 I rec 'd a letter from Macy 's stating that they had inadvertently matched me with another customer with the same name. Macy 's corrected their records and removed my address from that record. They stated no incorrect information. was reported to the credit reporting agencies, and they would contact 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 2022-01-31
Company: Experian Information Solutions Inc.
State: WV
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 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 2016-07-15
Company: Trident Asset Management, L.L.C.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XX/XX/2012 I wrote a check to XXXX for a water heater, the water heater did not fit, so I returned it to XXXX. They told me I would have to wait two weeks for check to clear before they could refund me. They did n't have a water heater that would fit my closet and I did not have an additional XXXX dollars to just buy one elsewhere and wait for a refund, so I explained to the manager that I would leave the water heater there and stop payment on the check. She wrote me a receipt for item received and I went on my way. 
Then recently I check my credit report and seen a collection for XXXX to trident management so I contacted them and was informed that it was for a stop payment on a check to XXXX. I explained what happened and only relief I was offered was a settlement. I disputed through XXXX and was told it 's a valid debt. This is NOT a valid debt, they have the item I returned and then turned the stop payment check over for collections. Which I would think is some sort of fraud to collect payment on goods they have in possesston.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: Eltman Law, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently was having my wages garnished by a debt collection agency ( Eltman Law, PC ) they were garnishing my wages for more than XXXX moths. Once I noticed and realized what was happening I contacted ( Eltman Law, PC ) they sent my a letter stating the ( Creditor ) and the ( Amount owed ) and ( Account # ) they said the account was opened on the year ( 2000 ). This account does not belong to me. Also if this account is from the year ( 2000 ) its been more that XXXX years that this debt has been outstanding. It is ILLEGAL for ( Eltman Law, PC ) to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I transferred money using PayPal to another account holder in the US. The recipient then asked that I do an ACH transfer instead and cancelled the PayPal transfer. I checked and saw that the PayPal debit had not yet gone through and so I sent the ACH transfer. Later that same day, the PayPal debit still went through, which overdrafted my checking account. Eventually, that payment was credited back to my checking account, I complained to PayPal about the overdraft fee, and they refunded it to me. 
Now, 9 days later, I see that PayPal has again attempted to make the same payment which was cancelled, again overdrafting my checking account, and again causing my bank to charge me a fee. This payment should never have been tried a second time, and if it was going to be tried a second time, I certainly should have been notified of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/15 XXXX? XXXX pulled a hard credit report without my authorization. This was for paypal where I already had a account. They asked me for a differant credit card which I gave them. They never disclosed that they would pull a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PayPal is calling my primary number, so.show they got my wife 's cell phone number, my work cell phone number and my dad 's home number. I have filed for bankruptcy but they continue to call on a daily basis

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Paypal Holdings, Inc
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I was enrolled in a Paypal Credit Program without my knowledge. After receiving a paper statement in XXXX I immediately submitted a complaint to PayPal about the fees and charges and within XXXX payments paid the entire balance, excluding these fees. After receiving a no response regarding my request I contacted customer service via phone and was advised a XXXX time waiver of approximately {$35.00} would be issued but PayPal credit refused to waive all charges in excess of {$100.00}. Likewise I was informed that I could not speak to a supervisor because they do not take calls. Subsequently I have no other course of action other than submission of a complaint via CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a Coinbase wallet account, where I had my XXXX  stored for more than a year, of approx XXXX $ in current value. I was randomly signed out of the account and was told the only way I can sign in would be to enter a " 12-word phrase '', which I never remember getting while making the account. I talked to their Customer Care and they basically said they can not help me ad my money is gone. I went online and saw that many similar incidents have occurred to their other customers. I think its absolutely ridiculous tat I have been locked out of my own money and they are frauding the people like this out here in the open. I have the receipts of transferring the XXXX  from their own Coinbase app to the Coinbase wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Markoff Law LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Markoff Law, a collection agency is contacting me about a debt from the city of XXXX that is A ) Past the statue of limitations and B ) was included in my bankruptcy. 

This is a very old debt from XX/XX/XXXX or XX/XX/XXXX. 

This company is attempting to collect a debt that is no longer legally collectible. 

I have worked had over the year so repair my credit and I do n't need some bottom feeder collection agency trying to strong arm me into paying a debt that is no longer owed with threats to place a negative entry on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief