BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX  {$520.00} 12 XXXXXXXX XXXX XXXX XXXX {$540.00}

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 2016-06-15
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today I received an email from Western Union. The email stated that a {$270.00} transaction failed. This transaction was between a person posed as myself and my mother. The transaction was going to someone in XXXX, but we live in XXXX. I believe my identity was stolen. My ID has been stolen and I believe someone tried to make a transaction with it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: CT
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:
About 2 weeks ago 3 accounts just appeared on my Equifax credit report that do not belong to me. There are 2 " XXXX '' accounts and 1 " XXXX '' account. I have not now or ever had any of these cards or accounts. I immediately attempted to dispute through " My Equifax '' account but those accounts state " Consumer Disagrees with info, re-investigation in progress ''. I have never disputed these accounts because they have never been on my credit report because they do not belong to me. I do not believe this to be fraud or identity theft. I believe that Equifax has mixed my credit file with someone else 's and I demand that this error be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. 

I could have lost my job. 
My boss says personal calls should not come to that number. The voicemail clearly states it is a hospital environment that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The business is attempting to collect a debt by filing suit against me a insolvent consumer as per 15 USC 1601. I have reason to believe and do so believe that I am the consumer in fact as in relation to 15 USC 1692a ( 3 ) and that I allege I have been furnished deceptive forms of communication in relation to an alleged debt obligation ; Notice, it is a fact that, I have reason to believe and do so believe, I the consumer / origin of credit owe no debt. Notice, I allege that in the matter of account XXXX this new condition for matter of presentment is in dispute for the validity of a debt or to discover if no debt exists. They are damaging me for trying to collect a debt as per 15 USC 1692 ( k ) and furnishing furnishing false and deceptive rules of communication pursuant of 15 USC 1692 ( k ) by claiming I owe a debt. Since no lawful money exist and as per public law 73-10 my ability to pay was taken away and I can not legally ( pay ) a debt with a debt note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Account information incorrect

Complaint:
Equifax continues to report a collection account from  XXXX   XXXX   XXXX   XXXX  in the amount of {$35.00}. I have contacted  XXXX   XXXX   XXXX   XXXX  and resolved the account directly with them as documented by the attached proof of payment. I subsequently disputed the account with Equifax, however, Equifax continues to report the account with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam, out of which $ XXXX was from Coinbase. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a XXXX scheme. Here is the link to the fake website impersonating XXXX : krasnysen.com My funds were sent to Coinbase were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. I contacted Coinbase but they did not do anything to investigate and/or freeze the fraud wallet. I have reached out to Coinbase for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case number is XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage with Citizens Bank with and interest rate of 4.12500 %. I applied to refinance this mortgage to lower my interest rate in XX/XX/XXXX. I provided everything that was requested by XXXX XXXX throught the branch in XXXX XXXX. in late XXXX and XX/XX/XXXX. Every time I called to check on my application, I was told that due to Covid-19, everything was backed up and it would take a little longer. They pulled my credit numerous times lowering my score by 3 points every time. I checked with the manager at the XXXX XXXX branch, I was told that it should not take this long and they would get to the bottom of it. Never heard from them again. I also spoke with XXXX XXXX in the XXXX branch, he too said he would get to the bottom of it and never heard from him again. Them I spoke with XXXX XXXX in XXXX XXXX, she said she would get back to me within 24hrs. Never heard from her again. It seemed that once they contacted XXXX XXXX, the communication was stopped. Finally I recieved a Credit Denial letter on XX/XX/XXXX, almost 1 year later, stating they could not verify my income. This is a lie. There is no reason why they were unable to verify my income with copies of my tax returns and rental agreements. Either they wanted me to keep paying the higher interest rate or I'm being discriminated against for other unknown reasons. Is it because I am XXXX yrs old, white female XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was five days late on making a {$55.00} payment to Sallie Mae and they began to harass my husband at work, calling XXXX to six times a day and telling him he needed to make payment immediately. They have NEVER contacted me and I am the loan-holder. Additionally, I made payment seven days ago using online bill pay, which generally takes one day to go through as it is merely a matter of transferring funds from XXXX back to another. On the most recent call, I was with my husband when he answered the phone ; I got on the line and explained to the customer service agent that no one has ever called me about the loan and I 'm the person who holds it. He claimed that people had been calling me for days, which is not at all the case. I went on the Sallie Mae website to ensure my phone number is correct, and it is. My address is also correct, though I have not received any type of correspondence from them. They will not stop calling my husband, even though I 've made payment and my husband is not the loan-holder. They wo n't listen to anything we tell them on the phone ; the only thing the customer service agents will say is, " You must pay immediately '' and " How would you like to pay? '' I am concerned my credit may be negatively affected if they report non-payment ; I am similarly concerned my husband will lose his job because of all the calls he is getting throughout the day at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: United Mortgage Services, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a loan modification request on XXXX, XXXX  and have been given the run around since then with no resolution. Meanwhile during this process I have made no payments and I was behind to begin with so now I am a year in arrears, no resolution, I contact XXXX XXXX the processor and she tells me she notified upper management with no resolution. I am dealing with the loos mitigation department of United Mortgage. The phone number is XXXX ext. XXXX. ( XXXX XXXX 's Extension )

Company response to consumer: Untimely response
Consumer complaint received 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is my 5th complaint about this mortgage. Account number XXXX BOA has attached escrow services to my line of credit. I pay my escrow through my primary mortgage. I have sent BOA a plethora of documentation for years stating my primary mortgage XXXX collects my mortgage. I would like some assistance please. They are telling me I am behind in my mortgage. My payment is XXXX a month and I have paid {$4500.00} to date for this year.

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 2021-10-21
Company: Experian Information Solutions 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:
On XX/XX/XXXX I received a letter from Experian stating they had verified an incorrect bankruptcy that is on my credit report and it will remain on my report. In the previous letter that I sent to them I requested for them to explain how they verify information. In the letter attached Experian states that they use a third party vendor named XXXX XXXX and also public records from the courts. 

On XX/XX/XXXX I received a letter from XXXX XXXX stating they had deleted the bankruptcy from my report after not verified. on XX/XX/XXXX I then forward the letter and another dispute letter to Experian requesting they remove the bankruptcy and they replied back with results via email stating the exact same thing ( they verified with XXXX XXXX ). 

On XX/XX/XXXX I received a letter from a clerk from a Texas US court in XXXX XXXX, Tx ( screenshot and letter is attached ) confirming they do not share any information to credit reporting agencies. I then sent another dispute letter to Experian including the letter from XXXX showing they removed it and the letter from the US Bankruptcy courts although Experian is saying they verified through them both. 

Experian is refusing to delete this unverifiable account on my credit report and it is causing so much damage on my ability to purchase a home. 

This is unverified account need to removed!

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 2021-04-21
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a line of credit with Conn 's Appliances on XX/XX/2016. The original amount was {$2000.00} or so at the time of signing the agreement. As i review all payments up until the charge-off, I've paid {$3600.00} to Conn 's Appliances on this line of credit and they're still threatening to take legal action if they don't receive an additional total of {$4200.00} in interest and fees which is absolutely outrageous. I would've paid this account off 3 times with the amount of interest and fees that Conn 's is asking for to resolve this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Capio Partners, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: EGL US, LLC
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: Account information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company BMG MONEY INC is currently showing 30 days late for the month of XX/XX/2020. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

BMG MONEY INC ***** Opened XXXX XXXX, 2020 Balance {$0.00} Late closed ( XXXX ) BMG MONEYXXXX Opened XXXX XXXX, 2020 Balance {$0.00} Late closed XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was scammed by a guy on XXXX offering financial assistance. He said all I needed was to have an active bank account and the money would be deposited. This was to be considered a donation from his organization. I would only be required to give him half of the money deposited. I figured that should be OK since I would receive the money first and then give him half instead of the common red flag of sending out money first. Totally unaware that he had in fact applied for a loan from my bank, in my name, until after I sent him the money. I NEVER requested this loan or signed off on it but it was given easily and freely without my knowledge, and what I thought was money being given to me was a scam for me to give money to the scammer that I don't have. What happened to the security aspect of identifying the person when transactions like this are done online, or even requiring 24 hours for deposit to be made. I was totally blindsided. I was not the person who took out this loan, I am the victim of identity theft and my bank/credit union has been defrauded as well as many others. I can not afford this loan and I refuse to accept responsibility for it since I didn't authorize this transaction or sign for it. The loan is for {$6000.00}. Upon making the police report I was made aware that this same guy has done this before and he's facing several felony charges. Even on it's face, the loan is of predatory lending, I would not have agreed to those terms given the percentage rate. I've been preparing my credit for a decent mortgage loan, not this, and my credit is in good standing. I don't need this stress. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVED NOTIFICATION THAT COLLECTION ACCOUNT WAS PLACED ON MY CREDIT FILE. NO WRITTEN INFORMATION OR DEBT VALIDATION RECEIVED TO DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Im having this problem with Coinbase. On XX/XX/XXXX XXXX I sent XXXX xrp coins to my coinbase wallet, and had also purchased {$100.00} in bitcoin through coinbase on XX/XX/XXXX, Coinbase would not let me withdraw my xrp to my secured wallet, I read online that it was a problem with the mobile app and to try on a computer browser. To log onto my coinbase account on my computer I had to do 2 factor-authenticator, this required me to click on an email they sent to the email on file which I no longer have access to. So I clicked I no longer have access to this email, which allowed me to change it by uploading my ID to confirm my identity. I was told I would receive an email when my ID was confirmed and that my email has been changed. I got an email saying that they couldnt confirm my identity and to try again, but the next time I opened my app I had to re-log in, but when I went to enter my credentials I noticed I could only sign in with the emaiI had requested to change to even though I was notified that they couldnt confirm my identity. And when I logged in my total account balance was {$5.00}. No bitcoin and no xrp was in my portfolio, and no transactions from the last two years are showing. I know its the same account because all my info is the same and I have the same wallet addresses. I contacted coinbase support and received no response, submitting a ticket and all and received nothing in return. I will attached transaction ID and blockchain ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Took a loan paid off in 30 days was charged XXXX dollars in interest. On an annual loan of 29.54 %

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It goes beyond struggling to repay. I was misled into the loan by  XXXX   XXXX  employees getting compensation. As well, I was not informed about the many loans they took out to pay for the loan including the variable interest rates. After graduating college and getting a job as an intern in the field to " pay my dues '' I deferred payment which I was explicitly told would not increase my interest. During that time I received an ungodly amount of calls, throughout the day and evening. I tried working with them, explaining to them my situation and they told me that if I could not pay the full amount, it did n't matter, I would default. Even when I was laid off and told them I could make partial payments from my unemployment checks, they told me no. In the end, it makes no sense. How does someone accrue  XXXX  of interest in one year?? I have been paying back thousands of dollars over the years but with the change of ownership, lack of experience from employees and always getting the runaround, my loan amount keeps increasing. They have harassed me, mismanaged my loans and on multiple occasions taken out more money than they were supposed too.   It has been almost ten years and my loan has not changed even after the years of automatic payment.   So much has happened and I can not get the records that they have hidden away. The conversations alone would especially validate my claims.   At this point, its become me versus city hall and I ca n't win. All of this should be incredibly illegal, but they keep getting away with it. Navient,  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to pay for what they have done to past students like myself. I am not a slacker, I work hard, make a living, but still can not be a fully functional member of society for what these institutions have done to me.

Company response to consumer: Closed with explanation