BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I 've been having issues with my XXXX. Coinbase had me start a new account in XXXX and I never got my BCH from the fork in my new account. I 've been trying to get a hold of support and they 've only sent out a blanket statement saying they are busy. 

Today, I try to log into my new account and it 's locked under XXXX again. I do n't have access to my XXXX XXXX app and I 'm stuck. No one is answering the phones and I 'm getting nervous about my money sitting in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: GA
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:
After being notified that I " may have been effected by the data breach '', I mailed a dispute letter to Equifax for proof of the inquiries that are listed on my credit report. Equifax responded by telling me that inquiries are to stay on my report for 2 years. 

This is unfair and incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report an noticed I had a new collections account that I had no knowledge of and it bringing my score down. I sent a debt validation letter on XXXX XXXX, 2017 and did not receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this {$1100.00} bill from Consumer Adjustment Co through all three credit reporting agencies since the day I accompanied my adult daughter to the ER and received a text on my phone saying thank you for your visit as they apparently scanned my phone when I walked in. I immediately responded that I was not seen that day, but had driven my daughter, who by the way does not live in my household. 

I am not responsible for this bill, and if you check you will see it belongs to my adult daughter. It is outrageous that my credit score can be decimated while they continue their false claims, while at the same time hounding my daughter for the exact bill in question. 

It should also be noted that I have not used the XXXX XXXX XXXX since my XXXX XXXX  5+ years ago. I use XXXX and an XXXX  for my health needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting late payments when its suppose to be in payment driven program because Im not working. They failed to correct my information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Van Ru Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Van Ru Credit Corporation called me to attempt to collect a debt in the middle of the night ( XXXX EST, which is my local time ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged four overdraft charges for three overdrafts and Bank of America refuses to reverse two of the fees., Bank of America further cleared items after I had checked balance to ensure funds were available, then proceeded to collect fees unethically.

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 2017-11-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX has been responding to my many consumer complaints with nothing but lies. In XXXX XXXX response to my consumer complaint she told me I could apply for assistance again, she told me to call Ocwen and speak with the relationship manager. That is a complete joke and so laughable in itself. I have called Ocwen several times and always was denied the right to speak with the so-called relationship manager assigned to my matter and was always harassed and either hung up on or put on hold for several minutes before XXXX XXXX returns laughing at me. Everytime I called I was told I could NOT speak to the relationship manager assigned to my matter because the relationship manager was on another call assisting another client. The same old robo-call-words. Its also impossible to speak to incompetent dishonest criminals who run a unorganized crime operation. So, I been using the CFPB complaint site to avoid harassment and abuse. I feel no other option left other then to apply for shady ocwen assistance until jury trial. I have applied for so-called Ocwen assistance on XXXX XXXX, XXXX. I have not received a response. I am curious what fraudulent balloon payment, increased principal balance and payment incompetent Ocwen abusive employee will shuffle in my face this time. Ocwen and its shady employee XXXX XXXX continue to threaten me with the loss of my home using forgery and fraud, fabricated documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies and employees who are abusive. My doctors are watching everything you criminal do to be. The application for assistance is attached along with email proving I sent incompetent servicer my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Larry H. Miller Group of Companies
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I purchased a vehicle or so i thought on XX/XX/XXXX and signed all the papers and after taking the car home and driving it for 5 weeks i get a message saying the contract got returned due to missing paperwork to which i had been in contact with the dealership and also XXXX XXXX who was funding my deal ... so needless to say i went in to try and get my deposit back and was told by XXXX XXXX that per XXXX XXXX the car needed to be returned by XXXX XXXX or they were reporting it stolen .I gave the dealership a check for and additional XXXX dollars and they said they can hold it for 3 weeks well after a week and a half they put that check through and made me almost XXXX dollars negative due to all the XXXX dollar fees for overdraft ... .So then today XX/XX/XXXX i got a text from one of the managers named XXXX XXXX and it said I talked to XXXX she said because they didnt charge me restocking fees or mileage which they could have that they refunded my full XXXX dollar deposit that they would not refund the additional fees ..oh also the Finance guy named XXXX had the nerve to say to me its not my fault your credit is XXXX XXXX ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted AD ASTRA RECOVERY SERV ( original creditor : XXXX XXXX XXXXXXXX ) at the address of XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, KS XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$96.00} that is being reported on my credit reports ) and to show proof that they own the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: CITIBANK, N.A.
State: VA
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 received a correspondence for Sears indication that XXXX reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. Sears responded by instructing me to destroy my credit card in which I have good credit with Sears for years. 

XXXX, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As XXXX has had a breech I believe in good faith that this is the result of this error in my credit.

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 2017-11-08
Company: EQUIFAX, 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:
XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ally continues to call me at my place of employment looking for my spouse. I have informed them from the first call that this is the incorrect number, this is my POE and to remove the number from being called, yet calls continue. I have been called 3 times on XXXX XXXX,4 times on 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 explanation
Consumer complaint received 2017-11-09
Company: Credit Protection Association, L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This morning, starting at XXXX, they called me 16 times. The last call at XXXX. ( I took screen shots of the calls ) That is harassment. They call all the time anyway, at least 2-4 times a day. 
I called them once and asked them to prove the debt is mine and they have never provided me the proof.

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 2017-11-09
Company: Ocwen Financial Corporation
State: IA
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:
In XXXX XXXX we established a repayment plan with Ocwen, which included adding an additional $ XXXX/mo to our regular monthly mortgage. We paid the repayment plan ON TIMXXXX each month and they are still showing us as being delinquent since XXXX XXXX. We paid the past due amount and our regular monthly pay of {$3100.00} on XXXX XXXX, XXXX to end the repayment plan and we were told that they would report to the credit bureau on XXXX XXXX, XXXX and still as of XXXX/XXXX/XXXX there has not been any credit reporting. We have called in twice and filed a complaint on their website and they keep telling us it will be the first week of XXXX and then the 2nd week of XXXX We just got another notice saying it will be an additional 7-10 business days again before they will report our mortgage in good standing. Since we paid on time since XXXX it should reflect on our credit report. The very least they need to report our most recent payment correctly as it is really hurting our credit score.

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 2017-11-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am an victim of ID theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used or benefited from these accounts or transaction in any way. Please delete all these.

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 2017-11-09
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Card Member Services continues to call me to lower my rate. best part. i have NO outstanding debt! I have asked them repeatedly to take me off their list. They just hang up on me. I block the number and they use a different one. It is harassing and I want it to STOP! 
the last number to call me was XXXX XXXX XXXX. When I call back, it just rings and says person is not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have never had a late payment with Navient ever and not to long ago they reported my loan late and made my credit drop 100 points. I need this to be fixed asap. I tried dealing with Navient and all they said that they ca n't do anything about it and that I need to contact the credit bureus and dispute it like that. I believe this happen in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
3rd COMPLAINT Ref Complaint # XXXX XXXX Numerous requests to PNC to stop sending credit card offers in the mail have failed. Was assured by PNC by phone and by complaint # XXXX that I will not receive offers to my address. <P/>Please see previous complaints for additional documentation. <P/>> This is the ONLY bank that does not remove this address from their marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
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: Account status incorrect

Complaint:
Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: WI
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:
I sent letters to Equifax, XXXX and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXXI was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was XXXX XXXX XXXX XXXX Docket # XXXX. I was than told that was not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Santander used fraudulent dealers to open an account in XXXX XXXX, 2009. Santander is misrepresenting the amount of debt and liability that I have for this auto loan. I would like this item to be removed from my credit. They are falsely reporting a debt owed on my credit report as {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: ACS Education Services
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
We have experienced loss of income due to a critical health problems in our family We have contacted ACS on numerous occasions only to get a run a round We want interest removed and our rate lowered in order to make these payments We have always tried to make these payments but they are pushing us to financial ruin

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
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:
XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX CHEXSYSYTEMS, XXXX ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Experian Information Solutions Inc.
State: SC
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 checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

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 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Always paid on time paid account in full but still saying I was late when I was n't

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 2021-02-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father XXXX XXXX XXXX, XXXX passed away on XX/XX/2018. He had opened an account with XXXX XXXX a year or so prior to his death, and bought a table and two stools. The account went unpaid. After his death I saw that it was on my credit report ( I am XXXX XXXX XXXX, XXXX. ). Jefferson Capital continues to send me bills and collection attempts for {$580.00} for JCS reference # XXXX despite being informed of this wrong attribution, as well as also informing XXXX and the three credit reporting agencies via disputes. I do not know what else to do to stop the collection attempts and also fix my credit rating. 

JEFFERSON CAPITAL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation