BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: MO
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 have previously requested from all three credit bureaus : XXXX, EQUIFAX, and XXXX the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effecXXXX XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth,  and Social Security Number XXXX please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: ProCollect, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX, I received a notice from ProCollect stating that they were contacting me about an alleged debt that I had with XXXX. I immediately responded to the notice in writing, officially contesting that I had a balance owed to this community. I also requested the following items from ProCollect to verify the alleged debt : A copy of the original lease, signed by me, a copy of the entire pay history of the account, and also a detailed explanation of the charges that constitute the {$1400.00} alleged debt they are trying to collect. I did not receive any response from ProCollect with the requested documents. Today, I noticed that ProCollect has placed this item on my credit report. By placing this account on my credit report without verifying the debt ( as requested ), they are violating my rights under the Fair Debt Collection Practices Act.

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 2017-01-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have contacted and spoken with multiple PayPal representatives via telephone and am growing very frustrated with the lack of resolution. 

On XXXX, I submitted a 'send money ' request to my friend 's email address for $ XXXX. I immediately cancelled this request and submitted for a refund. However, the $ XXXX was already pulled from my bank account. I then submitted another send request to her phone number. This request went through successfully. However, $ XXXX was then again pulled from my bank account. 
Knowing they pulled it twice, I submitted for a refund and was informed it would take about 5 days to be credited. 5 days went by and I have not received the money. 
In summary, PayPal has pulled XXXX $ XXXX transactions from my XXXX bank account. When I called PayPal, a rep named XXXX, assured me that $ XXXX was refunded to my XXXX XXXX. She was so confident it was refunded that she emailed me confirmation that it was sent to my XXXX XXXX. However, my credit card company denies this claim. I have attached her email. I then decided to talk with XXXX supervisor because it became clear she was not giving me accurate information. He assured me that instead of being refunded to my XXXX XXXX, that it would only attempt to pull from my bank account once more and then cease. So he assured me the pending $ XXXX transaction would fall off and in essence, my bank would credit the {$1.00} back to my bank account. Well, the $ XXXX withdrawal went through. So again, PayPal has pulled $ XXXX yet refuses to refund the $ XXXX. They have stolen $ XXXX. 

They continue to give me the run around, and I did n't know what proper channels I could complain in an effort to get my money back. This is ridiculous that I ca n't get a straight answer about where my $ XXXX is. My friend suggested the CFPB could help. I am hoping you can help me as I really need that money. I can answer any questions you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: CA
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:
With regard to the Data Breach at Equifax I was wondering if you could confirm a few points?

1. Does Equifax have to notify every persons whose files have been compromised?

2. Does the fact that Equifax made a public announcement negate their responsibility to notify individuals.

3. I believe my Data has been compromised ( using the Equifax website to check ), does this now give me free access to the other two Credit Reporting Agencies for a year?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I sent letters out on XXXX/XXXX/XXXX regarding a bankruptcy that was reported on my credit file. On XXXX/XXXX/XXXX, I received a letter back stated that this information was verified and remained on my credit report. I have yet to receive any verification of this public record that still stands on my credit report.

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 2021-10-05
Company: Coinbase, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received an email from what was supposed to be Coinbase stating that my account was disabled and that I needed to verify my identity. Once I clicked the link and verified my identity, I proceeded back the app to see that all of my funds in the account were gone. Approximately {$2000.00} was cleared from my coinbase/coinbase pro account. 
I called to speak with a customer service representative on XX/XX/XXXX, and which they stated they were not responsible and could not get my funds back. As if they weren't going to even investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
This is in regards to case XXXX The loan was transferred to Ditech Financial LLC with acct number XXXX and even stated the property address that was involved which is XXXX. XXXX CA XXXX that was short sold in 2009. We are continually getting mails and phone calls from this company and I hope you can help us resolve this. 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 2017-10-09
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a XXXX XXXX XXXX veteran living on a fixed income. In XXXX of this year I was notified that I am very sick, the process of finding out was was actually going on has become overwhelming, thus I consulted a Chapter XXXX Bankruptcy Attorney thinking that the only choice I had was to file a Chapter XXXX. During my consult the attorney asked me if this was really what I wanted to do and I said of course not but what other choices do I have. The attorney gave me another option DMP this would reduce the interest and also the monthly payments due. I wanted to pay everyone who I owed so I did the DMP plan it was only long enough for the to contact all 20 of my creditors and notify them of both my hardship and get a reduced rate of interest and a lower payment the DMP was paid to negotiate and actually made payments for 1 month. The DMP plan ended and all 20 accounts were in agreement that they would still honor my lower interest rate and monthly payments so long as they continued to received the agreed upon payment. Again they would prefer to get their money rather than get nothing at all and my medical hardship still existed, the credit cards were all cancelled under this agreement and I am OK with that. All of the 20 kept their promise to honor my hardship except for one that was Barclaycard who I have more than once submitted complaints to you on, seems they feel that they are separated from the other 19 accounts I have. Long story short as attached history sheets will show they agreed to the reduced interest and payment on X/XX/17 and they then jumped on an opportunity to switch it back from the agreed upon interest rate of 5.90 % and XXXX payment back to the old rate of 23.99 % and they increased the payment to XXXX this is just not right in any way My medical condition has not changed nor have the incoming bills and being on a fixed income I have no room after making agreements with my other 19 accounts to differ in any way. Should Barclaycard not have to honor their agreement for the reduced interest rate and payment. I have done as I promised and paid as agreed and they did cancel the card that 's fine I do n't want it anyway but I do want what they promised me otherwise no matter what the outcome I did not file a Chapter XXXX it apparently is about the money which I have no problem applying what would have been their payment to other 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 explanation
Consumer complaint received 2015-03-26
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received statements from Green Tree Servicing with conflicting account balances for the last 2 years. I have yet to get a correct statement from Green Tree Servicing. I have attached all of the documentation to prove that I have been making my payments and also that they have been calling my neighbors and informing them of the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a housing and credit XXXX with XXXX, XXXX XXXX. I am assisting XXXX XXXX in working on his delinquentmortgage. It began with XXXX, XXXX and XXXX then transferred'to Bank of America XXXX XXXX XXXX XXXX This is an FHA loan and itoriginated with XXXX, XXXX and XXXX. Over the past 9 yearsXXXX. XXXX has sought legal assistance on helping him with thisdelinquent mortgage. He has not made a mortgage payment duringthis time but not from lack of trying. He has spent much money onattorney fees in trying to get different options on his FHA loan. 

In XXXX 2014, XXXX XXXX signed deed in lieu documents with Bank ofAmerica. This year, he received his cancellation of debt from Bank ofAmerica from XXXX XXXX, 2014. 

Unfortunately, in XXXX 2014, servicing switched to XXXX XXXX. 
The Deed In Lieu had never been recorded. His FHA case number isstill open. 

This is stopping XXXX XXXX from obtaining future loans - from the openFHA case number. He 's been working towards resolution and finallydecided on the Deed In Lieu and it still has not been recorded. Theproperty is still in his name. XXXX XXXX is going to try to get XXXX XXXX to cancel the " cancellation '' thus again starting the countdown on closing out the FHA case number and further financingfor XXXX XXXX. 
The resolution is not helping XXXX XXXX and his family of XXXX find affordablehousing. He is renting but has cleaned up his credit report and wants tobuy a house again. Long story. BUT the loan is still NOT out of hisname and the house that he moved out of in XXXX 2014 is still in hisname. Just does n't seem right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Transunion and I was unsuccessful with speaking with someone on this matter. Can you please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the above account. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD

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 2015-08-13
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received this letter from this company claiming that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them. This is the second company that has contacted me in regards to this alleged debt so I think it is being sold from company to company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I had a balance of {$700.00} on my AMERICAN EXPRESS credit card. I made a payment of {$200.00}. and somehow my balance was {$590.00}. I do not use the card so I was skeptic of my balance. I called AMERICAN EXPRESS and a customer care person explained my balance. I accepted his explanation. The problem I have is this : Two days later my balance was {$790.00}. I called AMERICAN EXPRESS several times and contacted them online. I was told they ( AMERICAN EXPRESS ) charged my AMERICAN EXPRESS card, ( called a adjustment ) for {$200.00} and were sending it back to my checking account.? I did not authorize a charge or adjustment to my card. I merely inquired about my balance at {$700.00} to {$590.00}? This is what happens with AMERICAN EXPRESS customer service, do n't ask no questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: College Loan Corporation
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
In XX/XX/2013 this Account was consolidated into XXXX Acct # 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 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). Transunion listing is XXXX, XXXX XXXX XXXX, XXXX CLOUD, MN, XXXX Phone # : XXXX They have failed to validate over and over. This is not the first time I have reached out to the company. Since then XXXX and XXXX have removed the listing because of this but transunion has not. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any  qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond

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 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX XXXX what they asked for in exchange that it will be reported as paid in full it is being reported on transunion paid in full charge off of which is doing damage to my credit when it has a XXXX balance it is also being reported on XXXX charge off XXXX balance the same on XXXX as well credit acceptance is being reported as settled for less than balance paid repossession on transunion with a XXXX balance and on XXXX repossession XXXX balance and the same is being reported on XXXX as well

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 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a Student loan I got through XXXX College in XXXX. It went into collections, after it went into collections they said that I could qualify for a lower payment. I did that and got a lower payment but it was only for XXXX payments that it was lower. I could not pay the amount that they were wanting so I asked about a lower payment. they said they would send me information and a form to fill out to get a lower payment, I never seen one I called in a week after they said that they would send it and they said that they were sorry they would resend it. I have not received anything from the company about a lower payment and now the loan is probably in collections again. I am tired of calling and trying to get this form when I hear the same thing over and over ( we are sorry and we will get that out and you should receive it with in 3-5 business days ). I have been having this issue since I started trying to paying them and I am hoping that I can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is reporting on my reports for medical that was deleted in 2012- At the time then there was no validation of debt and they resold the account to another company to try again and that was also deleted. Now here we are for a 3rd time.

Company response to consumer: Closed with explanation