BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-27
Company: Convergent Resources, Inc.
State: TX
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:
Upon examination of my credit report I found an item listed to   XXXX   XXXX    i n the amount of {$520.00}. I disagree with the item and so sent a letter via certified mail on   XX/XX/XXXX  requesting validation of the debt bearing my signature. Thirty-three days later they responded by sta  ting that the debt is valid but still failed to provide via ble evidence bearing my signature to validate the debt ( they instead attached a copy of a bill, which does not prove that the debt was mine ). Their failure to provide this information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not be validated.

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 2017-05-27
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Continued attempts to collect debt not owed. The original creditor states that my complaint does not belong to them. I never received prior written notification of this debt giving me a right to dispute this debt. I have reason to believe that this debt is tied to an address I never lived at. The law states that you must report accurate information and give me written notification in which you did not do. I never received written notification because you do not have a valid and accurate address for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I use coinbase to make transaction. 1st time fine. TRAanafer money in an out and but what I need. I transfer XXXX in aNd said problem. I did again. Both this time went through. Asked for refund which refuse. For weeks they have XXXX of my cash and refuse to let me spend or cash out, having they say made a rule change. I think they, are just XXXX. last XXXX XXXX. 

phone XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been making payments on my capita l one accounts. I may not  be able to make the minimum payment but I have been trying really hard to at least pay something. My husband has been  XXXX   XXXX   XXXX  for over 4 years and now he has a  XXXX   XXXX  he fighting too. With all the doctor bills and I just recently lost my job and had to find a new job. I just ca n't seem to catch a break. They are now harassing my mother-in-law about my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Starting in     XX/XX/XXXX , I attem pted on a few occasions to refinance my existing mortgage with Nationstar Mortgage, the servicer to my existing note, held by   XXXX   XXXX  . I was having difficulty maintaining paying the mortgage on time, and although I was not in default or even behind in payments, I wanted to see if I qualified for the HAMP or HARP programs. I reached out first to a counselor at the Making Home Affordable website, hosted or run by   XXXX   XXXX  /  XXXX   XXXX   and engaged in a conference call with NationStar that same month. I was informed by  Nationstar  that due to my experiences to date, I was eligible for home modification under HAMP. I proceeded to apply for HAMP by the deadline of   XX/XX/XXXX . I   was subsequently deni ed by Nationstar st ating I did not meet eligibility requirements, directly contrary to prior conversations. In fact, the Making  Home Affordable  counselors at   XXXX   XXXX   did not understand their response either. I was then asked to participate in HARP --  Nationstar st ated that I was eligible for HARP but needed to wait  until  XX/XX/XXXX  as  I  had one la te payment on file and needed to be on time with payments for a year. I then reapplied in   XX/XX/XXXX ,   had a loan  counselor  at  Nationstar  look at my note, my current obligations and stated I qualified and locked me into a rate. They performed an inspection of my property and then I got no communications from them since. I had to contact the company several times and received no further communication.      About two wee ks after my attempts to contact them, I got a letter from  Nationstar stating my property was unacceptable to refinance. When I inquired further, I found out that Nationstar  stated my mortgage note was for a cooperative property and they do not refinance cooperatives. However, since my initial experience in late     XX/XX/XXXX   through this statement of theirs  in  XX/XX/XXXX  -- they sta ted  ( a )  I was eligible for HAMP and HARP.     I went throug h two successive evaluations, credit report pulls, and evaluations only for them to state they do not refinance cooperatives. They are a mortgage lender, they are my servicer and they knew for this entire time my property did not qualify but never informed me of this. This is not only deceptive but is grossly negligent and harmed me as a consumer. This is not the first time I had difficulties with Nationstar and I have already filed a complaint with the Texas State Attorney General and will also be doing so for the State of Illinois. Nationstar should not be allowed to operate managing servicing of loans without penalt y due to this gross negligence.     I will be contacting all federal agencies and credit reporting bureaus to report these misdeeds. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions 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:
I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX  XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am submitting this complaint in response to the current evaluation done by the Credit Reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I believed that the accounts I am disputing were already taken care of due the letters I have been sending to the Credit Bureaus. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to corrected. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 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 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 2020-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS BANK AMERICA CREDITCARD. see XXXX  attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from BANK AMERICA HARRASSERS XXXX XXXX XXXX XXXX. BANK AMERICA COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT BANK AMERICA confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS BANK AMERICA REPORTING INCORRECT INFORMATION TO XXXX? WHY ISN'T XXXX  RESOLVING?

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 2022-07-15
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:
On XX/XX/2021, XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2015-07-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB : Resurgent Capital Services keeps trying to collect on an old, already-repaid credit card debt. I repaid this credit card debt in XXXX 2006! 

Unfortunately, the original collection agency never reported my debt as repaid to the XXXX main credit reporting bureaus. 

Today, Resurgent Capital Services called XXXX of my relatives and left a " threatening, creepy '' message for me on his answering machine. This is totally illegal! Resurgent should not be harassing my relatives or friends! They should not be leaving threatening messages! 

I already sent Resurgent XXXX letter, via certified mail, stating that I had repaid the debt in 2006. 

In addition, XXXX XXXX XXXX and XXXX XXXX both stated they were no longer going to try to collect on the debt, as it had already been repaid. That is why I was very surprised to hear I had received a threatening message today from Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Terrill Outsourcing Group
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a phone call from a collection agency stating they now own a debt that was once owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on an account opened XX/XX/XXXX. The company that contacted me was Supulative RM. During this phone call, I told the representative I was unaware of this debt being sold and asked them to send me a verification of debt. A verification of debt letter was written and sent to them later that afternoon asking for specific information. Superlative responded with a copy of statments from XXXX XXXX. Though this is part of the information requested, it wasn't all of the information requested to prove the debt. In my letter I requested information in occordinance to information provided to me from the Consumer Financial Proctetion Bureau including topics : Why they think I owe the debt, The amount and age of the debt and their athority to collect this debt. I reside in Arkansas and under the laws in Arkansas any debt collector who is attempting to collect a dept must hold a license in Arkansas, neither of the listed companies above hold that or have not provided any proof that they hold athority to infact collect on this debt. XXXX XX/XX/XXXX will be 30 days since I have requested this information and have not had any contact from them regarding this issue. Also, The XXXX XXXX XXXX still reports to my credit as owning the debt, when they infact sold it to a new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXXMy name is XXXX XXXX XXXX. I have a house here in XXXX Hawaii, We bought the house on XX/XX/XXXX when I was married then we refinance it XX/XX/XXXX and then me and my ex got divorce. after we got divorce I been fight to save the house its because its is under my name since XX/XX/XXXX which I did n't know till three months before my ex filed the divorce paper. By XX/XX/XXXX I found out that he never paid for three months and I tried to pay the behind payments all the way till XX/XX/XXXX. Then that 's when the XXXX XXXX has been harassing me calls and soliciting collecting debts. By XX/XX/XXXX I send them a hardship letter stating that due to my divorce I can only afford {$1200.00} a month plus I applied for modification with my hardship letter, they said I wont be qualified for modification because of my income is not enough, and which they accept that payments up until XX/XX/XXXX. They sent me a letter stating they cant accept my payments anymore or not applied to my mortgage so I ask them where my payments went? they put those payments of mine in the fund. Since then I have been fighting struggling and handling their harassment that makes me sick and XXXX, I went hired lawyers to lawyers to find who can help me, but all they do is tried to sell my house. I been fighting for them attempting to foreclose my house for five years. I seek help form the mainland thought they could help me. Then I found this XXXX XXXX who did a research of my mortgage and they found out some rebo-signing and records about my mortgage. They keep on transferring servicer company from XXXX XXXX, to XXXX now Ocwen. I have a consultant that helping me as under writer that do all the response letter and filing to response the motion from this company that represent the XXXX XXXX XXXX XXXX. Now I am in schedule to appear in court again because they want me to sign the approval that the Judge here in XXXX trying to give judgement to the Plaintif XXXX XXXX XXXX XXXX XXXX, as a Trustee for XXXX XXXX XXXX XXXX XXXX which was the XXXX was filed Bankcrapcy on XX/XX/XXXX. Thas is what we are trying to prove that all of this mortgage matter of my house is falsify. Now the XXXX XXXX XXXX who representing the XXXX XXXX is trying to foreclose my house where I am trying to fight and save my house I do n't want to sell it. I am writing you to to help me. I am fighting for my rights my future and for my kids. PLEASE HELP ME OR SOMEONE HELP ME.. before its two late. We have proof documents that we needed but seems the Judge here is a crook and taking his side to the plaintiff without any further research the fact. I am a simple citizen fighting for my rights. ..so please help me ... I need a urgent help. 

Repectfully, XXXX XXXX XXXX XXXX XXXX, HI XXXXel # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, 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:
I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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 complaints # XXXX that I submitted on XX/XX/22 were closed when I checked it. Again, I was going through my records & noticed accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXXXXXX XXXX, BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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:
It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. I research, and I found that under section 605b of the FCRA Credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance- ; WXXXX  XXXX Balance ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$130.00} If XXXX, Equifax, and XXXX feel there is a possibility these itemsbelong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX, Ocwen Mortgage increased my monthly mortgage payment from {$2100.00} a month to {$2400.00} month, an increased difference of {$330.00}. I contacted OCWEN customer service and they claim that the increased was for a data analysis of my account, which was not performed in XXXX non-payment of approximately XXXX from escrow account ( homeowner insurance and county property taxes ). Although I have had Ocwen as my mortgage company since the beginning of XXXX and they had made payments to the insurance company and county through the escrow account since XXXX and I have incorporated the escrow in my mortgage payments and have paid my mortgage on time to Ocwen since XXXX. Ocwen claim that my escrow account was in the negative and the increase was required to pay the balance of the escrow of {$3400.00}. This recent increase in escrow payment does not appear to be legitimate and shows that fraud is occurring within Ocwen. The explanation by the Ocwen representative did not make any sense, since payments are suppose to be paid each year to the insurance company and county and has been paid my mortgage holders, since I purchased my house in XXXX of XXXX. I have never heard of any mortgage company increasing an escrow account by this much and let alone indicating that my account was in the negative, when payments are being made to pay for the escrow accounts.

Company response to consumer: Closed with explanation