BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Tuesday XX/XX/2023, out of nowhere my account was blocked and I was unable to login or check any of my account information. I was then told by a customer representative that I would have to wait until the next morning for them to fix the issue with my account and the security will unblock it and I will be able to continue using my card and account like normal. Then XX/XX/2023 I called the customer service line again at XXXX within business hours and after getting ahold of a representative and specialist they said they were able to unlock my account and I would be able to use it in about XXXX minutes. I waited 30 minutes to try to login again, but still my account was block. I waited another 30 but even after I was still unable to access my card. After the attempts to use my account had failed, another call was made to customer service. They had told me everything was clear and fine on their end and there should be no issue with my account. After waiting 2 hours I attempted again, and still to no avail, nothing had changed. Because of the continuing issue I decided to go to the CitiBank branch in person to see if I could receive any help there. Once a bank teller was able to see me and try to access my account from their end, they had told me my account was still completely blocked and CitiBank was in the process of closing my account which I had made less than a week before. Not only was all my money locked in the account, but this card was my only source of income holding. As not only my work checks but bills all go through that account. The bank teller and I had called customer service again but gave us the same answer and had said there was nothing wrong with my account and that they didn't close it. The representative kept insisting on nothing was wrong, even though the bank teller kept telling them that I was blocked and nothing was changing. After 45 minutes of waiting for an answer from a specialist, the response given was, '' We can not access your account, call this new number. '' Now at the moment I have to call again in the morning, but the main issue is that not only was this account my only source of all my income in one place, as well as them closing my account with no notice or any call. Nothing had been communicated to me and they gave me false answers consistently for the past couple of days. It truly is not only upsetting but truly stressful and aggravating.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$68.00} ; XXXX  XXXX XXXX Balance : {$26.00} ; XXXX XXXX XXXX Balance : {$36.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} ; DEPT OF ED XX/XX/XXXXXXXX  ; 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 2022-11-02
Company: Experian Information Solutions Inc.
State: OK
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:
On XXXX I reached out to XXXX, XXXX, and Experian and talked to XXXX from XXXX, XXXX from XXXX, and XXXX from Experian. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NJXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX , NJXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : 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 2023-04-14
Company: GOLDMAN SACHS BANK USA
State: NJ
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to close on a refinance with XXXX Mortgage since the end of XX/XX/XXXX. 

On XX/XX/XXXX, I received the first of many Loan Disclosures : Immediate Action Requested to expedite Home Loan Application emails causing me to believe XXXX was actually moving through with the loan. 

They have conditioned this to death and XXXX XXXX has been nothing but rude and downright XXXX without being XXXX- she has used microaggressions to the fullest extent and she definitely knows what she is doing when it comes to being just short of illegal. 

This ploy and tactic to condition my loan to the extent of the way that they have is to have me give up the loan as they know that this is illegal to state they do not want it. 

I can provide ALL OF THE DOCUMENTATION that I have been asked to provide and followed their instructions to the exact way they wanted it. 

They kept asking me for letters and credit explanations to no end. 

I would like a full on investigation and reprimand of this whole team that " worked '' on my file and I would like to file a discriminatory complaint as well. 

I am trying to upload all of the documentation that they asked for, but even the file exceeds XXXX I will provide that upon request. 

These individuals include XXXX XXXX, the Account Executive ; XXXX XXXX the Underwriter ; XXXX XXXX ; XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold on XX/XX/XXXX. I had just finished a modification and it was converted to a permanent modification however I had not received paperwork in the mail because my 3rd trial payment was XX/XX/XXXX. No one ever notified me and informed me my loan was transferred. Most of XXXX I was very ill. I am mentally and physically XXXX after a car accident in XXXX. I never expected to have to wonder where my next meal was coming from. I had attended and have to college degrees. one is XXXX XXXX and an XXXX  XXXX. 
XXXX my prior servicer didn't ach my payment so I called and they informed me they no longer serviced my loan. I called SN servicing and yes they said they were my new servicer but I had a problem sending money to someone based on a phone call. I felt I should have been informed and turns out they had 15 days they just did not do it. I had to do a modification because we got behind when my nephew was murdered, like I said XXXX and XXXX were times we didn't live we were surviving. According to XXXX my first payment was XXXX XXXX so they had time to get everyones paperwork. Come the XXXX I called to pay and they would not accept payment. 
We had already been having problems because they told me I was denied my modification even though I mailed them the trial and proof of all payments. They said either way because I didn't pay XXXX and XXXX I breached my contract. I filed ch XXXX to protect my home and I was unprepared for any of this. My husband had to leave his job from XXXX to XXXX to be with me XXXX hours a day because my XXXX were out of control and happening daily. In my accident I broke my XXXX and suffered a XXXX XXXX   XXXX  which left me with little XXXX XXXX  XXXX and XXXX but I am so blessed I can walk talk and live a normal life. I can't handle stress and I was aready losing my mind. I raised my nephew. Long story shorter they cut me off from webpage and denied my payments to put me in default. I transferred to them current but they claim I am around XXXX behind on my mortgage and refuse to show me the numbers. I was denied because of a ch XXXX discharge. I filed ch XXXX. need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Paramount GR Holdings, LLC
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I purchased a home with a solar loan in XXXX XXXX. There was an exciting solar loan with XXXX, which became Goodleap ; that I applied to transfer over to my name. Goodleap and the escrow company did not due diligence on the paperwork and did not record the transfer of sale until XX/XX/XXXX. I received an email regarding the transfer and when we could start making payments. I set up a payment plan with the company Goodleap starting XXXX XXXX. At that time I was given an account number and the payment schedule. I have made payments on time since without any late payments. Recently, I discovered that I had been reported to the credit bureaus as having late payments since XX/XX/XXXX including XX/XX/XXXX and XX/XX/XXXX. I have made reports with the credit bureaus. In additon, I tried to correct the issue with Goodleap which has not responded to any of my attempt at solving this issue to correct the credit reporting on my behalf. 

Since the purchase of the home, I have made numerous attempts to pay Goodleap. Goodleap representatives kept telling me I had no account or loan with their company. I went as far as contacting the seller of the property to get information about who to contact to pay the solar company, to no avail. 

Ever since the payment plan had been agreed to with Goodleap, they began harassing us through text messages and calls stating that we are delinquent in our payments. I sent an email and spoke to several representatives regarding the harassment and asked them to stop as I had been current on my loan. The texts and calls and harassment continued. After emailing the representative regarding the harassment she told me that the payment plan we agreed to was not being honored. I was never contacted or informed that the company Goodleap was not honoring the payment plan agreed to. I have been informed that this practice is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the I C SYSTEM INC ( XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account XXXX.

I C SYSTEM INC ( XXXX ) XXXX Date opened XX/XX/2021 Balance {$1300.00}

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 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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 have a lot of dates XX/XX/2023. XX/XX/2023, XX/XX/2023, Also I have others thats old to I have them uploaded these are inquiries thats on my credit sesame my XXXX! I didnt apply for anything someone stole my identity!

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 2023-02-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX credit card company fraudulently reported my payments as 90 days late to force me into collections my next payment due date is XX/XX/2023 of XXXX but I've been reported erroneous and my account is supposedly in collections when I asked for the number to collections I was told it was in house collections and the department was closed and that someone would call me tomorrow after a few days of waiting I called back and was told they don't have a collections company so I asked for the number to the collections company I was informed that it hadn't been assigned to a collection company and that they had sent me several letters that I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The 1st mortgage company ( Shell point Mortgage ) denied 2 contracts placed on the property requesting more money. When the last bid was sent in on property the 2nd mortgage ( XXXX XXXX ) refused and is now requesting more money, this process has been ongoing for 7 months now. I don't want to go into foreclosure but at this point I am getting so stressed out that I just want the process over and done. 
If you turn down 2 offers, second investor know the property is on the market for twice its value, knowing that it needs a outrageous amount of work done on structurally on fountain. 
Not only did XXXX refuse to grant the original offer But they decided to increase the asking amount at the table to {$34000.00}. To be paid by me at the day of closing which is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I'm using Coinbase.com to store a significant amount of cryptocurrency. They have a service called the " XXXX '' that adds additional layers of security, so I store most of my funds in the XXXX. Unfortunately, there is a bug within Coinbase that caused my funds to be frozen about 75 days ago. Other people have reported the same bug on various online forums. 

In essence, I deleted an old Coinbase account, but the email address associated with that old account was also being used as the secondary email address for my active Coinbase account. Because of some kind of defect in the Coinbase system, when I deleted my old account, my secondary email address for my active account was also deleted within their system. In order to withdraw funds from my XXXX, I need to receive a confirmation email at both my primary and secondary email addresses. Because Coinbase erroneously deleted my secondary email address, that is now impossible, and my funds are frozen. 

I first emailed them about 75 days ago regarding this issue and have since called them twice, talked to representatives, and emailed them numerous times. Unfortunately, they have not resolved the issue or even given me an adequate response detailing when they will help me regain access to my funds. Because of this I have lost a significant amount of money ( I would have sold some of this cryptocurrency during this period ). Coinbase is notoriously bad when it comes to customer service so sadly I'm not too surprised I've had this experience. I just want to get it resolved as soon as possible and get access to the funds I entrusted to them. My case numbers with Coinbase are # XXXX and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. 

Wrong employees : XXXXXXXX XXXX XXXX, XXXX. 

Wrong address : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-30
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent Credit Inquires that is reported on my credit report that don't belong to me. 
-Regional Acceptance ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX ) XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation