BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-03
Company: MEDCAH, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There are XXXX unknown collections listed from this company MEDCAH INC. which appear to be inaccurate as they are unknown and outdated disputed several times and nothing received. Please help

Company response to consumer: Closed
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: AZ
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:
Unauthorized inquiries have appeared on my credit report by these creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I would like to draw your attention to XX/XX/2022, and XX/XX/2022 I sent my complaint letter to Coinbase, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Coinbase never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
General Obligation : Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
Money was transferred from my XXXX XXXX XXXXXXXX and XXXX XXXX XXXX account in the total amount of XXXX USDT and then to scammers utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A scammer messaged my sibling saying your social media accounts would be enable if proceeded the following instruction with transferring money through Zelle. Still harassing a XXXX XXXX XXXX child. Now is afraid of getting hacked and with my personal name and number being put out, I am now afraid. I want my refund of {$240.00} back and my life to be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: IQOR US INC
State: CA
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:
Back in XXXX XXXX, I received a lot of calls from Allied Interstate LLC student loan collection agency. They harassed me during work hours to settle this bill. The rep, XXXX stated that I need to get my wages garnished from XXXX to XXXX XXXX and then I would get the default removed and pay {$5.00} for the remainder of the balance of {$3000.00}. However, I called yesterday ( XXXX/XXXX/XXXX ) because the garnishments still continuing and come to find out by XXXX XXXX, they told me that I never paid, my account still in default and I owe them {$3100.00}. They told me that I need to prove that I paid. This is insane. I had my tax return XXXX intercepted ( {$2600.00} ) to pay this loan, wage garnishment, year to end XXXX ( {$2500.00} ). The defaulted loan is {$4200.00}. This company has never shown me a statement of anything and ripped me off. I please need help! I 'm sure I am not the only one out there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30
Company: Account Recovery Specialists, Inc.
State: KS
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Arsi garnished XXXX $ from my savings account due to my mother 's debt to them she was a secondary signer due to me being underage for the account. She had no access to my funds nor did she make any transactions in my account it is only mine and they seized all my hard earned money I have no gas for car food or bill money due to a wrongful action from a debt company.

Company response to consumer: Closed
Consumer complaint received 2017-01-02
Company: Twin City Motors Inc
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX using their in-house financing, XXXX XXXX XXXX in XXXX, TN. I paid {$1000.00} cash down, and then they asked for additional XXXX deferred down payment, making a total payment of {$2000.00} down. I was told the warranty was included with the vehicle, but from the contract, I was in fact charged for this. Moving beyond this issue, there were several issues with the car, including the engine needing replaced after only XXXX miles. At this point, we came to an agreement to return the car to the dealership, return {$750.00} of what I had paid so far ( they kept {$750.00}, which they called a restocking fee, even though XXXX stated the restock fee was {$250.00} ). I went to the dealership where my original salesperson, XXXX, gave me a check for the {$750.00}. I brought my copy of the contract so they could stamp it VOID and I would have proof of the contract being cancelled. I was referred to XXXX, in the Mountain Acceptance arm of the business, where at that point I was advised by her that the cashed check was proof enough and refused to void the copy of the contract I had. At this point, I cashed the check against their own bank XXXX, so obviously a cashed check would not provide any proof for me since they have access to that, not me. Now today, XXXX/XXXX/17 I am attempting to get a new auto loan. I was advised by the new creditor that I need something in written, a voided contract or a notice of cancellation on letterheard, showing the loan was closed/cancelled, in positive standing. I called Mountain Acceptance, where I spoke to XXXX and she advised they do not do that, I need to speak to the sales dept. I was transferred to the manager of the lot, XXXX, who advised he does not have to provide anything in writing to me. He then backtracked, and said I need to send him a written request for proof the loan is closed/cancelled, and he then has 30 days to complete the request. I called back to Mountain Acceptance to try there again, but each time I was transferred to the " Manager '' who consistently hung up the call every time I was transferred. At this point, I am not sure where to turn. I do not have the car, they kept half of the money I paid for a voided contract, and now I can not even get a letter or notice to show the car was returned, the contact closed, and no negative reporting. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Professional Debt Mediation, Inc.
State: OH
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:
I was formerly a tenant of XXXX XXXX XXXX. The apartment attempted to illegally evict me ( did not notify me prior to eviction proceedings ). I have fought this eviction through HUD. We went to court against the plaintiff XXXX XXXX XXXX, to which, the case was dismissed at the cost of the plaintiff and no judgement was made against me. I contacted the debt collection company that is now managing this debt, and says she can still pursue collection for damages. They are claiming this is for rent and damages, however, it is an exorbitant amount, one of which I do not owe according to Ohio Law. She said the hearing is separate and they are authorized to pursue collection activity. She said the amount could be adjusted to reflect the amount of monies XXXX XXXX XXXX recuperated after acquiring a new tenant, however, this amount has yet to be adjusted. If the case was dismissed in court at the cost of the plaintiff, how can collection supercede a judge 's decision. Additionally, I have been unable to rent due to this disparaging item on my credit report. I am not seeking monetary relief, solely the removal of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is saying this account is verified, but have not delivered how they verified. They are unresponsive to letters asking for this information as is due to me by law.

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified, not computer generated confirmation.

Please provide : 1. The names and business address of each individual with whom you verified the information above, so that i may follow up.

2. The creditors address and telephone number.

3. The date they contacted the individual they used to verify the information 4. The documentation used to verify the dispute. 

XXXX XXXX XXXX - Acct # : XXXX XXXX XXXX XXXXXXXX - Acct # : 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 2016-05-09
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, I, like many Californians, have been fighting to keep my home. I lost my job in XXXX and while I could not make full payments, I made partial payments that the mortgage holder, M & T Bank, accepted for several years. Once housing values began to rise, M & T Bank began a series of moves intending to foreclose on my property. The foreclosure was in place and going to court when I hired a law firm that claimed they would help. They only thing they did was send a letter letting the bank know I was now represented. They did nothing to negotiate lower payments or a more reasonable payment schedule. 

However, I was able to get a loan modification agreement in place with M & T Bank. I have paid every payment on time, in full as required by the agreement. M & T Bank claims they did not receive the payment for XXXX XXXX ; I have a copy of every cashed check since XXXX XXXX when the 1st trial payment began. They received the XXXX XXXX payment of {$1800.00} on XXXX XXXX, XXXX and my bank cleared the check on XXXX XXXX, XXXX. 

They have been reported to all XXXX credit agencies that I have been late on my payments since XXXX XXXX when I began my XXXX trial payment for the loan modification program. They claim I was late for my payment in XXXX XXXX - they received the payment on XXXX XXXX, XXXX and claim that I was late in XXXX XXXX when they received payment on XXXX XXXX, XXXX. 

They have been trying different ways of foreclosure for the past two years and destroying my credit is just another method. I have called the bank a number of times to try to get them to fix the problems and refund the late fees that I paid in XXXX XXXX but did not owe but can not get anyone to actually sit down and fix the errors on their end. 

I am almost XXXX XXXX XXXX, without funds, XXXX and ca n't continue to fight them by myself. I have filed disputes with the credit agencies but they are waiting for M & T Bank to respond, and M & T Bank has no impetus to respond ... in the meantime my credit rating is taking a huge hit. Please help! I can send you copies of all the cashed checks to prove I paid every payment on time. 

Thank you in advance for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Data-Central, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I wrote a letter dated XXXX/XXXX/15 requestiong confirmation that if I were to pay/settle a debt that they would delete it permanently from my credit file. I specifically stated " do not contact me by phone '', yet on XXXX/XXXX/15 my father received a phone call at the phone number listed above, which I assume is the only number they have. I no longer live there. The collector not only violated 3rd party disclosure laws by telling my father what she was calling about, but violated my request for no contact by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: ZWICKER & ASSOCIATES
State: MA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. 
I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: Professional Debt Mediation, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Female only identified as XXXX XXXX called my personal cell phone leaving a message. Said I needed to call her back and that it was very important. Upon calling, the company directory only identifies itself at XXXX. Accessed the correct extension and the female advises me I owe {$38.00} to an apartment complex. I told her I purchased a home multiple years ago and she said it was from 2013. I have never been contacted about this debt previously and had no idea what it was in reference to. I asked for her to send me a bill because I wanted proof they were a legitimate, reputable company and did n't feel comfortable giving my banking information over the phone. She advised me while I was waiting on the bill she was going to report my debt to my credit and housing report ; yelling saying I was ridiculous. I advised her I work for a police department and that I see fraud everyday and only wanted to protect myself. She advised me that she already knew I worked for the police department because she just called my place of employment since I did not answer my cell phone. She continued to yell at me over {$38.00} so I requested her supervisor. Her supervisor was not of much help but identified himself as XXXX XXXX. He gave me the phone number to the company I supposedly owed money to and gave me his extension so I could call him back rather than the original XXXX XXXX. I told him his employee was outright rude and had no right to yell at me and that as a woman with perfect credit who happens to be XXXX weeks pregnant, I did not deserve to be treated the way I had been treated. He advised me to calm down and that she was not rude. He admitted that he had not listened to the conversation between XXXX XXXX and I and had no idea what she said to me over the phone nor knew if I was rude in return. ( I was n't ) I also told him not to tell me to calm down if he had not dealt with what I just had to deal with and I had not even raised my voice. - Upon calling the phone number XXXX XXXX gave me, the apartment complex representatives were extremely helpful and willing to pull my debt from collections. I am an extremely responsible person and do not avoid my responsibilities. They had no right to call my place of employment, they had no right to yell and belittle me, they had no right to harass me over {$38.00}, and they had no right to deny me proof or explanation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: American Financial Resources, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had been looking to refinance by home mortgage as the interest rates are now lower than it was when I had purchased my home. I found a company called " Elend '' or " American Financial Resources, Inc '' who offered me 3.375 % interest rate and a lender credit of {$800.00} among other costs that were mentioned in the loan estimate which was provided to me by the representative of Elend. A copy of the loan estimate is available with me in the email format which can be provided if needed where the above costs and credits are mentioned. Based on the comparison of rates from other providers I went with Elend ( or American Financial Resources, Inc. '' ) solely because they provided a lender credit of {$800.00} which was higher than other competitors and hence the total cost of closing would be less. 
However, after my loan application was processed ( nearly 2 months after the initial rate lock agreement was signed ) I received a " Closing Disclosure '' document from Elend 3 business days before the closing date in which lender credit was reduced to {$65.00}. On questioning the representative from Elend about why the lender credit was decreased I got a response that it was not something they could do anything about. In this case the creditor ( Elend ) has not complied with XXXX XXXX XXXX ) ( XXXX ) ( i ) because the actual amount of lender credits provided is less than the estimated ''lender credits '' disclosed pursuant to XXXX XXXX XXXX XXXX, and is therefore, an increased charge to the consumer ( me ) for purposes of determining good faith under XXXX XXXX XXXX ) ( XXXX ) ( i ). 
In the hindsight if Elend had let me know from the beginning that the lender credit that they would provide would be {$65.00} then I would have never chosen them as my provider because I had better offers from others. I think that this tactic of mentioning a higher lender credit was used by Elend ( American Financial Resources , Inc ) just to get me to use them and not to actually provide the credit that they promised. They are also in violation of XXXX XXXX XXXX ) ( XXXX ) ( i ). 
I hope an appropriate action is taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to reach the company multiple times and I have not heard back from them. I DONT OWE PLUS FOUR INC any money for any medical debt. they are reporting false information and all of my medical is covered through the military. Please stop reporting these false claims because you are causing me a lot of damage. One claim is for {$170.00} and the other is for {$200.00}. Please remove these now and do not place them on my credit report.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to 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

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 2016-09-16
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have NEVER done any type of business or personal correspondence, conversation or email with First Financial Investment Fund about ANY matter AT ANY TIME and am being unfairly targeted. First Financial Investment Fund has obtained my personal information, informed XXXX third parties they were suing me but NEVER INFORMED ME OF ANYTHING AT ANY POINT. I found out I was being sued by First Financial Investment Fund via the law offices of XXXX XXXX XXXX and XXXX XXXX XXXX attorneys at law whom sent me letters offering me legal services because First Financial Investment had given them a court case number to the lawsuit they filed against me. I was never made aware of any suit or any implied debt at all by First Financial Investment Fund and their practices are fraudulent by taking legal action against me over a debt that is invalid and not owed. First Financial Investment Fund is targeting me because I am a single, XXXX female mother who receives government assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo Bank took money from my checking account and put the money towards the principal. The money was for my mortgage. Now I ca n't pay on time because of the late fees. I paid XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation