BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
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 contacted the original lender from this account in which I'm in good standing with n still using this account account is paid up n representative don't know why this company Berlin wheeler has this account stating derogatory on my account I don't know this company n never had a account with them only have account with XXXX n we have taken care of this account n account is in use with XXXX thanks for looking into this matter for 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 2016-10-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Costco Citi Bank Card. On XXXX XXXX I made a payment of {$260.00} Which Citi Bank Cashed. It never appeared on my account. After several calls I went to my local bank, XXXX and they sent a fax with the check tracking no. and the date the check was posted. They still would not credit my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was locked out of my Coinbase account and no longer have access to the email address associated. 

Back in XXXX I contacted Coinbase and was directed to make a new account which i did. They then had me upload information to verify my identity.

Since I uploaded all that was asked, I have received no response or access to my old account.

Since my initial complaint to them the value of the portfolio has more then tripled.

I filed a formal complaint with Coinbase over a month ago, was told a specialist will reach out and once again received nothing. I am currently filing another formal complaint with them.

Coinbasess communication is horrendous and actions are unethical. They are clearly keeping my portfolio and riding the recent boom to there benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: FL
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 have fraudulent inquiries on my reports.

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 2016-01-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX problems have occured 1. Chase received my XX/XX/XXXX mortagage about XX/XX/XXXX. There was an error in processessing my check and Chase stated that my check was NSF, in reality it had never been processed by my credit union. Chase was promptly notified of this error by me on XX/XX/XXXX. The error was not corrected until XX/XX/XXXX timeframe after I had submitted a copy of the issued check. Chase reported this to the credit bureaus even though I had nothing to do with the check processing error. 
2. This account was current after XX/XX/XXXX after my XX/XX/XXXX mortagage payment ( cleared XX/XX/XXXX ) and XX/XX/XXXX mortgage ( cleared XX/XX/XXXX ) I pulled my credit report on XX/XX/XXXX and the credit report stated that {$3400.00} was past due as of XX/XX/XXXX. 
Both items listed above were caused by Chase Mortagage and my credit it being negatively impacted by their processing errors. In addition Chase is reporting erroreous information to the credit bureaus since this account was brought current on XX/XX/XXXX. To this date XX/XX/XXXX, the credit bureaus continue to indicate a past due balance of {$3400.00} as a result of Chase 's errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: MI
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:
Experian reports a collection account from XXXX XXXX XXXX original creditor XXXX XXXX I disputed this account because any account I have with XXXX  is up to date. I also have never opened an account with XXXX XXXX. Is there a history in my credit report other than this collection that refers to the owed balance? 

What needs to be done to have this corrected?

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 2021-03-18
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted numerous occasions to handle debt with original collector. The equipment was returned and was to be credited to account after receiving. I want to see this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to place a complaint against SPS concerning my modification process, appeal, denial, practices, policies and procedures. For the last year in a half I have submitted XXXX modifications with SPS. Concerning some of the modifications, they have lost completely or miss placed paper work which have prolonged my modification and caused me undue burden stress and strain and resulted in me owing more on my mortgage and therefore getting further and further behind. I was instructed by sps not to make a payment until all the issues concerning my mortgage were resolved and that they would cease and desist all foreclosure activity during the modification process. SPS still continued with their foreclosure activity during my modification and request for information. I 've made several request to SPS for information concerning my mortgage, that have went unanswered and during these periods on two separate occasions, SPS has forwarded my mortgage file to an attorney to proceed with foreclosure. I filled a appeal of my denial for modification and sent in supporting evidence on why the values that they used were in correct when determining my homes value, i further explained that my home is and ADU XXXX affordable dwelling unit XXXX and it is governed by the counties rules and regulations listed in the deed. I have sent in QWR 's and have requested documents verbally which has been recorded and documented by SPS and myself specifically about my mortgage file, service file, and request for information. SPS has ignored nor answered many of the request that i have put forth. Some of the request if they were answered did answer the specific questions in the letter 's I sent. I have attached supporting documents that will provide a time line of what has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
For the second time since XXXX 2016, the principal that was to be applied to my home mortgage was not and instead held in suspense. I am striving to pay my mortgage off within a year of XXXX. The mortgage payment ticket was completed correctly both times by me ( XXXX and XXXX ). The first incident involving the error took 3 weeks to correct and apply the payment to the mortgage principal. I received a letter from BB & T Bank dated XXXX and noticed that the full amount of the principal was not deducted. The payment amount was {$3500.00}. {$3500.00} is in now in suspense. This is disrupting my goal of paying the home mortgage off because BB & T is not applying the extra principal to the home loan. I am under the impression that BB & T is purposely holding the extra principal in suspense so that I will ultimately be paying more interest or someone is stealing money. This kind of mistake is unacceptable 2xs within 6 months. After contacting XXXX branches in XXXX, MD and the customer call center the issue is still not resolved. I received a statement dated XXXX and the mistake is not adjusted.

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: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans were in an IBR program. I was not given the date when I would need to resubmit an application for the IBR program. I also did not receive any communication that a payment was due until my loans were close to defaulting. When i finally got approved for a new IBR program, i started getting emails about past due status and informing me tgat i could reply to tge email for a forbearance after i had already been approved for an IBR. I also got a letter in the mail for the first time stating that i was about to default on my loans. XXXX was also after i had just been approved for the IBR program. This resulted in receiving more than XXXX late payments on my credit report which I recently checked about two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NJ
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 did not authorize or recognize the credit inquiry entry on my credit report. I contacted said company and credit bureau reporting agencies XXXX, XXXX, and Experian to have the inquiry investigated and/or removed immediately. The credit bureau agency refused to remove the unauthorized inquiry, and I was advised that the reporting company did not respond, and to contact the vendor company directly, notify CFPB, and the FTC accordingly.

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 2017-02-09
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
After starting a refinance application with Quicken [ Id. XXXX ] I decided not to continue with them and notified them to that effect on XX/XX/XXXX requesting that they send me a copy of the appraisal for which I had already paid and terminate my application. They have so far not done this. They chose to harass me with repeated phone calls so I eventually blocked their numbers ; they mis-transcribed my email address and then claimed I was using wrong address so they could n't deal with me. Eventually I told them either send me the report or return my money by end of XX/XX/XXXX or I would make a complaint, which I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Upgrade, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have never been late or missed a payment on this XXXX XXXX credit card ending XXXX. This company has repeatedly turned card off or suspended it for their system errors. Spoke with Upgrade Supervisor and they apologized and stated that Upgrade back office removed payments and then re allocated them due to XXXX adjustment. Their computer system showed me as missing payment because of this yet, I have never missed a payment! Their faulty illegal system also wouldnt let me pay extra towards card ( proof attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: North Shore Agency, LLC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Keep getting collection letters for NY XXXX magazine I never ever had or subscribed to.. by collector called XXXX XXXX XXXX XXXX " NORTH SHORE AGENCY '' - XXXX. When you call there is no answer, just " click here to pay '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: North Shore Agency, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a confirmation from XXXX on XXXX XXXX, 2016 that all lines on my account were disconnected, and had a zero balance due. 

On XXXX XXXX, 2016, I received communication that I owed {$290.00} on my account, as there was a line of service still open and it had been accruing monthly charges. 

I told them that this debt should not be my debt, as when I received the communication on XXXX XXXX, 2016, I had taken that to mean that all of my accounts were closed. 

When I tried to clear it up with XXXX, they would not waive the fee, even though this was their mistake, and even though I had never actually used the line of service ( it was opened, and placed on hold, which is why, when I received the communication on XXXX XXXX, I had assumed it had been closed due to never being used ) Since then, they have sent the bill to debt collection, and now debt collection has reported to the XXXX credit reporting agencies, which has dropped my credit score from a XXXX as of XXXX 2016 to a XXXX as of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt of {$21.00} was paid directly to XXXX account through the XXXX office. XXXX at XXXX confirmed that I in fact had a zero balance. I called Paramount Recovery at XXXX on XX/XX/2016 @ XXXX AM and spoke with XXXX who informed me that she spoke with their client and they told her I had an outstanding balance which was not the case. I explained that I had just gotten off the phone with them and they confirmed the zero balance. She insisted that I still owed the paid balance so I offered to conference the billing dept from XXXX in but XXXX declined my offer.

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 2016-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is a DEMAND FOR VALIDATION OF DEBT to US Bank, As Trustee, Successor in Interest to XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Acct # XXXX / XXXX To Whom It May Concern : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

We have received correspondence indicating that U.S. Bank National Association, as Trustee, Successor in interest to XXXX XXXX, XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX is the Noteholder for the above referenced mortgage account. 

This request for information is submitted pursuant to Regulation X 1024.36 under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( s ). 

Please provide a validation for the above referenced account # XXXX including amount owed, principal, fees and interest payments made since the inception. To wit, this is a request for a complete, correct and exact copy of the loan transactional history. This is also a request for deal side transactional history. 

Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXXXXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be itXXXX XXXX  XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX  XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXXXXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX  XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In 2013 I received a XXXX and asked for a forbearance while on XXXX. I was never told that my interest could be held from a accruing while recovering for 4 months this made my loan increase by {$50.00} only to find out that interest should not have been charged while I was on forbearance for my subsidized student loan. Navient is my loan servicer. I 've also recently called to lower payments ( down to minimum payments ) and the servicer said that this was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting an account for XXXX XXXX that is over 7 years old in violation of the Fair Credit Reporting Act. The account was discharged in chapter XXXX bankruptcy XXXX 2003.

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 2017-01-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I received an Adverse Action from Chase bank regarding a HELOC I was looking into. I believe they are mistaken since they had no action to take - I denied their loan because the terms were not competative and the individual who was taking my application kept trying to get me to put more of my credit card debt and an auto loan on to the HELOC to get " more ''. Of course I was looking for liquid cash, not debt consolidation to a higher rate product so I refused their loan. The net on his pitch was that if I transfered every debt I have other than my first mortgage I could get a net of about {$6500.00} more on my HELOC - and as a result end up with very little liquid cash. Their matrix appears to be a bit stupid - either because of CFPB rule making or their own short sightedness. 
I am currently paying down my debts at more than {$3000.00} a month and have excellent credit ( XXXX - lowered because I put my card debt all on XXXX card ) and more than $ XXXX equity in my primary residence - I chose to discontinue the process when it became clear that the primary goal was to coral my debt service - not to extend me money in hand. 

Before the " debt crisis '' I was able to get a HELOC of {$140000.00} with lower income and higher debt - I have never missed a payment and understand credit. 

It is a difficult situation to have to spend a half hour telling someone about your life story at work - because they have short hours - so they can make a deterniation as to how much they are willing to lend. I am sure part of this is to make sure I have " skin in the game '' and wo n't walk from their loan. They should have a loan calculator online so I could see how bad their offers are without dealing with a person who is afraid to make a misrepresention. 

I would like an address where I can send them an Adverse Action explaining why I walked away from their useless loan product. On the bright side - if I do not get a loan from my insurace company - who is still working on the Dood-Frank changes to their contract - I will pay off all of my debt including my house within five years and can remodel my kitchen without XXXX.

Company response to consumer: Closed with explanation