BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX  ( loan # XXXX XXXX in XX/XX/XXXX. XXXX then immediately sold the loan to XXXX XXXX XXXX ( loan # XXXX XXXX. XXXX XXXX XXXX billed me for XX/XX/XXXX mortgage payment in the amount of {$2800.00} due XX/XX/XXXX ( see attached ). On XX/XX/XXXX, a Notice of Servicing Transfer letter from XXXX XXXX was sent to me stating that LoanCare on behalf of XXXX XXXX XXXXXXXX XXXX will collect my mortgage payments starting XX/XX/XXXX. 

Meanwhile, XXXX persistently contacted us for their XX/XX/XXXX payment. They said it was due to them, not XXXX XXXX. We have tried MANY attempts to contact XXXX XXXX and LoanCare to resolve the issue and get the XXXX mortgage refunded to us so we can pay XXXX  to no avail. We've been contacting both companies since XXXX. I have attached supporting emails from XXXX XXXX that states the XXXX mortgage is due to us for refund and that they've contacted LoanCare to process the refund. It's been 2 months and nothing from LoanCare. Every time we attempt to contact LoanCare at the only number we know ( XXXX ), they don't seem to know the story and it's a repeat of the entire scenario to the rep at the time. There has been numerous calls to LoanCare from XXXX to XXXX. I started documenting my calls to LoanCare starting XX/XX/XXXX. 

Calls to LoanCare : XX/XX/XXXX - Spoke to XXXX, then requested to speak to a supervisor named, Ms. XXXX and she initiated an escalated ticket XXXX # XXXX XXXX. She said we'd get a call back from the escalation dept within 1-3 days. No call back. 

XX/XX/XXXX - Spoke to XXXX XXXX agent # XXXX XXXX. She was supposed to call us back the next day. No call back. 

XX/XX/XXXX - Spoke to XXXX XXXX agent # XXXX XXXX. Was supposed to have someone contact XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo call has ever
been made from LoanCare to us to try to resolve the issue. 

We were approaching the 60 days RESPA and were forced to make a secondary XXXX mortgage payment to XXXX ( see letter from XXXX attached ) on XX/XX/XXXX to avoid having a negative impact to our credit. 

This has gone on far too long with no follow up or communication from LoanCare. It is clearly an error between XXXX XXXX and LoanCare that should have been easily and quickly resolved for me. 

I hope this letter will help find me a quick resolution.

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 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a secured card. They decided to cancel my card. My security deposit was XXXX. When I talked to them ( Citibank ) they informed me that the XXXX would go against the balance. I was never sent a bill for anything else owed. The amount due was XXXX but I had no idea I owed that. Now in XXXX. They say I owe XXXX and all of that is Fees and Interest. If I new I only owed XXXX cents anyone in there right mind would of paid right away. Since I didn't know about amount now they expect me to pay this. I informed them of my frustration and here is where I am at. I don't mind paying XXXX and one fee and interest if need be. But not 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 2022-10-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am the originator of this account and am re-filing the Complaint identified as CFPB Complaint ID : XXXX against Synchrony Bank XXXX Synchrony ) regarding my Care Credit account. I also state that Synchronys excuse for not responding to this Complaint is invalid, as my husband, XXXX XXXX, who filed Complaint ID XXXX is an authorized user and Synchrony issued a card in his name ( See Attachment ). This is yet another example of XXXX tactic of avoiding resolution of the stated problem. Other examples include their losing prior filings requiring us to resubmit the disputes as well as ignoring letters addressed to the CEO of Synchrony Bank and its Parent, Synchrony Financial. Other examples include testimonials supporting a dismal Better Business Bureau rating of XXXX in which a few of them are included in the attachment. Note that the complaints reference irregular billing practices. We also have received conflicting status comments ranging from ignoring our requests to applying partial credits to advising that it would require XXXX days to apply provisional credits also no applicable accrued interest adjustments have been made. 

As of this writing, the matter remains unresolved. 

RESTATEMENT OF COMPLAINT ID : XXXX There are several unauthorized charges posted to my XXXX - Noom {$18.00} and {$49.00} and XX/XX/22 - XXXX XXXX XXXX, 3 charges of {$79.00} each. The Noom charges should be reversed, as I canceled this program during the initial trial period with no charge per their policy and the latter charges from XXXX  XXXX XXXX were unauthorized. I filed a formal dispute using the bank 's forms and process and no action has been taken. Although I am an authorized user on the account, their customer service staff will not discuss the matter other than toy advise that the credits have not been issued. I wrote to the bank 's CEO as well as to the CEO of the bank 's Holding Company and a response is pending. However, considering the disgraceful ( and possible illegal ) handling of the matter by their customer service employees, I am not expecting any satisfaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: IL
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: MI
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:
My credit card with XXXX XXXX XXXX was set on auto pay and I never received any notice from XXXX XXXX XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XXXX of 2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately 2,000 on time payments and have never had an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I had a business line of credit with XXXX XXXX, secured with equity from our house and commercial building. This line of credit was paid in full and closed in XXXX. In XXXX, when we sold our commercial building a lean from this line of credit showed up making it difficult to close on our sale. After much hassle we were told the documentation had not been filed by XXXX XXXX correctly. Chemical Bank had purchased XXXX XXXX and we provided proof of payment in full. Chemical Bank then gave a written release of the mortgage for the commercial sale of the building. We have recently accepted an offer for the sale of our house. Again, this line of credit shows up as a lean making it difficult to close on the house. TCF Bank has purchased Chemical Bank. I have talked to the local bank manager who states it could take awhile to resolve as it goes to a regional loan officer. They were unsure as to when this could be resolved, which could affect the sale of our home. This problem should have been taken care of in XXXX, then again in XXXX. I want this to be resolved. I am glad my husband and I did not die and leave this mess for our children. I would appreciate a prompt resolution of this problem as it not only causes undue stress but may affect the sale of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a Coinbase account ( https : //www.coinbase.com/ ) Date : Fri, XX/XX/XXXX XXXX XXXX and have been using it. 

Today, XXXX, I went to my account and the $ XXXX I had in there is gone and it shows a zero balance with no explanation. 

There really is no " customer support ''. I locked down my account as it was the only option available, but I don't think anyone broke into my account ( with 2 factor security ), no I think Coinbase just stole all my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to contact equifax several times, and have verified my identity several times and been on hold several times, its been 6 months and Im still not able to logon to there website to dispute my credit report with equifax, I have faxed information to them, called, have been transferred several times and still no luck They gave me a ticket number but no luck XXXX Equifax customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 we opened up a joint account for reason being that my current bank doesnt do any foreign wire transfer. We already had a credit card for 4 years so Im not new to the bank. We advised the bank manager what the intentions were for the reason why we were opening the account for, how much was being sent to us and we werent advised or warned that there was going to be a hold or freeze on our account. The wire transfer was from a relative from XXXX on XX/XX/XXXX and that money was only available for that day and we were only able to take out an atm withdrawal for {$1000.00}, a purchase for {$1200.00} and a purchase from XXXX XXXX for {$220.00}. Weve called at least 25 times since that embarrassing morning of XX/XX/XXXX when we found out that we had our account frozen and no one since then could give us a clear answer to is why our funds havent been released. Weve even made several appointment with the bank managers and put customer care on the phone to see what answers we can get and all we get is the run around that for us to call back next week and the following. This is getting out of hand already, we are in the middle of a pandemic and we need our funds. Im late in rent and other bills because these funds were going to be used for several important reasons and Im looking now into legal actions because the bank has no right at this point to hold my money. Another relative has BOA and received money from the same relative in XXXX on the same day for the same amount and hasnt gone through what we are going through, how is this fair? Are we being judged by our race or ethnicity???

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 2022-11-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am completely overwhelmed and suffering homelessness due to this credit reporting agency and their improper use of my information that I never gave them permission to furnish in the first place. They are utilizing my personal and private information for financial gain. They are defaming my character with unlawful and wrongful statements about me as a consumer. I have become severely XXXX  as a result. I can not get a job, home or vehicle due to this unlawful reporting.

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 2021-03-03
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in XXXX  shows as XXXX then in Experian it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to XXXX  and Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PNC Bank N.A.
State: MI
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 tried several times to remove inaccurate and unverifiable off of my report. This is hindering me and family from a financial goals and purchasing a home in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: AL
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:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXXx Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2021-03-03
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made a purchase with my Citibank issued credit card ending in XXXX to XXXX via XXXX in the amount of {$1500.00}. The purchase was for the delivery of a mattress and associated furnishings. 

Subsequently, I disputed the charge with Citi, indicating that the merchant was not in compliance with their own terms and conditions. 

On XX/XX/XXXX, Citi sent a letter indicating that if I continue to dispute the charge, I should : " Please sign and return this letter with the requested information by XX/XX/XXXX. Please do not send photographs, smart phone pictures, or zip files as they are not compatible with our system. Our fax number is XXXX and our email address is XXXX. Please reference this ID in the subject line of your email : XXXX. '' Pursuant to Citi 's instructions, on XX/XX/XXXX at XXXX PST, I responded to Citi via email to their provided email address and referencing the provided ID in the subject line of the email, and provided additional supporting evidence for my claim. Citi 's automated system acknowledged receipt of the documents. 

However, later that month, Citi sent me documents indicating that I did not provide additional supporting evidence in the time allotted. This is in direct contradiction to other documents that they provided me. 

Citi failed to comply with their own stated dispute process and made it impossible for me to provide them with documents.

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