BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: NPS GROUP
State: WA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have used this service in the past, it 's been at least over 3 years since I have used a payday loan and all of my loans were paid in FULL by the due dates. I have not been delinquent on any of my accounts. I have NO outstanding payday loans and have not for many years. My father, my sister, my daughter and myself, have been receiving 2-4 harrassing calls PER DAY from NPS. Its a recording that gives a claim number. When I call, the reps are very short, rude, and if asked any pressing questions, will simply hang up on you. They give me a dollar amount I am supposedly delinquent on, but will not give me specifics. I ask for them to send me the debt in writing so I can validate it. They say they will email it, I have yet to receive any documentation. Yet the harrassing phone calls daily to my family and myself continue.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been contacted multiple times by a collection agency that goes by XXXX separate names ; XXXX XXXX XXXX & XXXX XXXX XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time 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 2022-10-01
Company: LEXISNEXIS
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. Account name : XXXXXXXX XXXX  XXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXXXXXX XXXX  Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right so privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. i did not give anyone written consent. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Also the credit bureau took more then 30 days to complete my investigation.

made a complaint to my attorney general, the XXXX XXXX XXXX XXXX XXXX XXXX & the federal trade commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, I filed a complaint about Wells Fargo who harassed me with phone calls trying to contact XXXX XXXX ( who previously had been assigned my phone number ). I had repeatedly told them who I was. I thought the problem has been remedied, but they are now calling me several times a day again trying to reach XXXX XXXX and/or XXXX XXXX. Clearly they HAVE NOT corrected their records to reflect that my phone number is not associated with the person they are trying to get in touch with. They are calling me from XXXX several times day.

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 2017-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My spouse and i had an original home loan with World Savings Loan on or about XX/XX/XXXX, the loan then subsequently transferred to Wachovia Home Loan then to final lender which is Wells Fargo Home Mortgage. The ORIGINAL loan went delinquent sometime in XX/XX/XXXX during the recession. Wells Fargo got our loan transferred to them sometime in XX/XX/XXXX, of which they reported out dated negative information on our credit. The reporting period for a charge off is 7.6 years from the date of first delinquency ( DOFD ). The DOFD is the first date that you became delinquent that led to the charge off, and the account was never brought account current before it was charged off. When it hits the 7 year mark you can dispute it as too old to be reporting. Our understanding of the law is the DATE of FIRST DELINQUENCY should be calculated from the original creditor, ( Wachovia ) not the date of when Wells Fargo got the loan transferred to them in XX/XX/XXXX. Then to add insult to injury Wells Fargo internally wrote off the loan in XX/XX/XXXX over 6 years after the loan was transferred to them, and they also put that information on our credit. Our contention is ( 1 ) they are reporting old information and not reporting from the original credit, thus re aging our credit file, which we believe is against current Credit reporting laws, and ( 2 ) we should not be penalized because Wells Fargo did not write off this loan in a timely manner. 
Any assistance or clarification would be appreciated. 

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 2020-08-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
For no reason at all I have been frozen out of my Coinbase account. I have thousands of dollars with them. When trying to resolve this with their support team, they offered a criminally vague statement that said " You are no longer eligible to link any payment methods. We are not able to provide you with any additional information. '' Which means they won't give me my money back and they won't tell me why. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After 2 years of continuous payment with Navient ( formerly XXXX ) I requested my cosigner be released because he has been threatening me. My credit report stated XXXX and I have XXXX delinquencies based on the report I printed out. They still rejected my claim. They did not want to work with me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am an XXXX in Ohio for the past eleven years. I applied for the XXXX Loan Forgiveness program to my loan company, Great Lakes Higher Education Corp. for the first time in XX/XX/XXXX, and have been denied five times, the last time because they said that I have not " obtained full state XXXX as a XXXX or passed the XXXX. '' That is incorrect. XXXX ( XXXX ) are the designated XXXX are XXXX, and XXXX design the XXXX. Ohio gives XXXX a different XXXX than other XXXX. But many XXXXs have received XXXX Loan Forgiveness as XXXX, so perhaps their state 's give a better-sounding name to the XXXX or perhaps the same XXXX as a typical XXXX. But whatever a state 's standard may be, it is completely arbitrary and should in no way restrict an eligible and worthy XXXX to these much earned and needed benefits. For the loan companies to have the authority to deny a loan forgiveness eligibility for a loan that they own in the first place is questionable and should be illegal. My desired resolution would be for Great Lakes to send my application on to the federal Department of Education for approval for the XXXX Loan Forgiveness in the amount of {$17000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX, I applied for a Checking Account at the XXXX XXXX XXXX ( XXXX XXXX, Officer ), with a {$100.00} Deposit. Chase currently had a promotion that if a customer opens a New Chase Checking Account with a Direct Deposit, I would receive {$150.00}. After completing my application ; and after XXXX XXXX ran several inquiries, I received my Checking Account. 

On XXXX/XXXX/XXXX, I received a Letter from Chase stating they could no longer support my banking account, and will closed my Account on XXXX/XXXX/XXXX. I immediately contacted Chase to find out the reason, an XXXX ( Loss Prevention ) stated she would not reveal the reason. 

Therefore, I believe I was denied a Checking Account based on my race.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America commits felony by using fictitious names, see the federal law, USC violation prima facie evidence!!! FELONY CRIMINALS!!!!! NOW YOU MUST PROVIDE A VALID RESPONSE AND STOP REPLYING WITH YOUR XXXX!!! YOU NO GOOD XXXX!! 
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX 's Law Dictionary explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX XXXX 's manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America does not provide full disclosure on their " contracts for life '' and they fail to show clarity and validity of applicable terms to perform under their rules, wat is shown is presumptions and proven criminal willful intent to defraud and steal and lie, just the tactits they use to XXXX people on mortagages and steal houses that already been paid for multiple times. These are professional criminals and they do get caught and just pay settlements, but just XXXX more people to make up for it. Very sad they arent shut down. 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 2017-04-04
Company: Navient Solutions, LLC.
State: TX
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:
I have been paying Sallie Mae, now XXXX, for over 16 years, and still " owe '' them XXXX, which I do n't believe is true. This portion of the loan is acquired interest and fees. When I first got the loan, I was a single parent, receiving help from no one, and having trouble paying any bills. However, I did keep a payment going with Sallie Mae as much as possible. This loan has been going on for too long, and I know I have payed it, probably twice. I am getting old and trying too save for retirement, I 've no family to help me out, and am going to have to rely on government for everything, which I have never done, even when I could have. I think Sallie Mae has taken more than their share of my money ... .I asked them please to put any extra dollars to interest, but they never did, as far as I can tell. I do not want to give XXXX any more money. 
Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Nelson, Watson & Associates, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call a XXXX times a day. On my cell phone. They never leave a message. The few times I have answered, there is nobody on the other end and the call disconnects. I 've found out through looking up XXXX XXXX ( from my caller id ), that they are some sort of debt collection agency. I 've also learned that they are rude and threatening. I have no way to stop these calls. I put the numbers in my reject call list but they always call from a different number. I ca n't get in touch with them, but they are calling and calling. I 've received no mailings from them and I just want the calls to stop.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: MD
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from one credit bureau then list it with another. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL 3 Credit Bureaus and never reentered on my credit reports again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: CCS Financial Services, Inc.
State: GA
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:
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2015, we moved out of XXXX XXXX due to issues that are not a part of this complaint. XXXX XXXX was appropriately notified and we were told that we will receive a statement with a payment due if any repairs are needed. We never received one. We do have mail forwarding service and all other mail came. 
By XXXX/XXXX/2015, we were already moved into our new house, but we did not receive a statement, or a bill. 
At that point I called, and found out that there is a bill and that we owe XXXX {$280.00} for carpet repair. I was surprised, but I asked for the bill. XXXX told me she will send it ( they already had new address on file since it was provided a month before a move out ). Two weeks passed, but we still had not bill, or statement. 
Eventually, just to get this over with, I stopped at the office to pay it off on XXXX/XXXX/2015 and handed XXXX a cashier 's check for {$280.00} payable to Residences At XXXX XXXX. She assured me this is the last time we will see each other. 
To my surprise, on XXXX/XXXX/2015, I received a notice from a debt collector for {$280.00} I owe to Residences. 

To sum up, I was reported to collection agency after the debt was paid in full to manager on staff that day. Also, I received no resolution from them at this time. Mine, and my fiance 's credit is likely to be affected. 

At this point, it has to be either ill-will, or gross incompetence. It is difficult for me to understand it as I gave all parties ample time and opportunity to settle all issues.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation