BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase Gobal Inc discontinued Coinbase Pro Service and closed all Coinbase Pro Accounts and informed everyone that cryptocurrencies in their Coinbase Pro Accounts will be transferred to their Coinbase Regular Account but I have not received my more than XXXX XXXX XXXX XXXX Coins in my regular Coinbase Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: AL
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:
Mutual of Omaha Mortgage , Inc. deliberately with malicious and intimidation sent us written correspondence that our VA Mortgage Loan had been delinquent and in jeopardy. We contacted our VA Home Loan Counselor through written and verbal conversation by phone to confirm and verify that our VA Home Loan was in good standing. That was by phone on XX/XX/. We later found out that they had records of our mortgage loan payments, and no default was found or posted against our loan. We have never missed a payment with this company. Mutual of Omaha Mortgage , Inc stated that they would make sure that our credit rating was going to be affected. Our problem with Mutual of Omaha Mortgage , Inc did not involve the mortgage loan payments at all, it was an escrow account shortage, and they use this to report the negative and derogatory information pertaining to our creditworthiness and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I applied for assistance from XXXX XXXX XXXX  and notified my mortgage company. While waiting for approval I asked the mortgage company for more time while waiting. The mortgage company sent a letter saying they would apply for a forbearance. After receiving the funds from Mortgage Relief the mortgage is now telling me that the forbearance is a program that puts my outstanding payments on the end of my loan and now I am considered current and sent the funds back to Mortgage Relief. 
I was never told that a forbearance would bring me current because that would automatically disqualify me from the Mortgage Relief program. I made several phone calls to the mortgage company to keep them informed of my progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Dovenmuehle Mortgage, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I discovered that there were checks attached to documentation that was sent to me from XXXX. When I discovered this I had 2 stale checks. For 2 years I have called spoke to multiple people and told that it would take XXXX weeks to be resent. I wait start the process all over again. Nothing has happened no check replacement to letters or calls NOTHING. I have the checks in my procession and XXXX of the agent stated that can see that the checks have not been cashed. Last 2 times I was told that it was because of a new regulation that had to be completed. We completed them. I was told to make sure I let whoever I speak to that the old account number was XXXX, because it was switched to SierraPacific XXXX and then to XXXX. Which are all subsidiaries of XXXX. The second escrow check they sent attached to the paperwork, never should have been refunded because by doing so meant my Home Owners didnt get paid and I did not know it. I want this money back and very tired of hearing the same BS each time I call. 
First check # XXXX dated XX/XX/XXXX amount {$110.00} Second check # XXXX dated XX/XX/XXXX amount {$830.00} The name on the check XXXX XXXX XXXX This is unacceptable and I do expect them to pay me the interest. My belief is that they are waiting until it is too late. I would appreciate your help with this. I have been in touch with all of the institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a hotel through Citi Travel on XX/XX/XXXX for the stay between XXXX XXXX, and I did call and confirm our stay with the hotel one week before the actual stay. When we arrived at the hotel on XX/XX/XXXX, I was told that our reservation had been canceled without any prior notice. That was a shock to me, as it approached night and we have young kids. Because the hotel had informed us that Citi Travel had handled the cancellation, we called Citi Travel. 

I spoke to XXXX and his supervisor, XXXX at Citi Travel. XXXX XXXX said that she would provide a full refund for the hotel cancellation. She would also provide me with XXXX points compensation plus XXXX Hotel Credit Discount converted to XXXX points. She also sent out an email stating the above. She stated that the refund would be returned to the account in 7-14 days.

After almost 2 months, I did not receive the compensation as promised. I called Citi Travel on XXXX. I was told to wait for another 7-14 days. Not surprisingly, we still did not receive the refund and compensation as promised. 

So I called again on XX/XX/XXXX, and spoke to XXXX XXXX first, who transferred to her supervisor, XXXX XXXX. XXXX XXXX reported that there was an email sent on XXXX requesting XXXX XXXX to review and solve the case. Someone from her team replied that they would review. However, there was no response or follow-up since. XXXX XXXX said that she sent another email to XXXX XXXX requesting her to follow up on this case. There had been no reply by the end of the phone call. Additionally, XXXX XXXX stated that she was unable to handle the case because the compensation was above her pay grade and the original supervisor, XXXX XXXX, should handle it. 

Since my last call on XX/XX/XXXX until now XX/XX/XXXX, after more than a month, I still have not received what I was promised to receive.

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 2023-04-20
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This concerns the Wells Fargo Class Action Settlement. We believe that Wells Fargo padded are existing second mortgage/HELOC by XXXX. We had them investigate and they could not explain where the amount originated. 

We have since refinanced and had to pay Wells Fargo that additional phantom balance. 
We believe that Wells Fargo took advantage of us during the 2008 re-modification era.

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 2019-08-28
Company: Monterey Financial Services LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
So I bought a scooter from a dealership for XXXX and paid XXXX at time of sale. 
that was a down payment and my first payment. this was on the XXXX of XXXX. I received an email that a third party called Monterey Financial has purchased the loan from XXXX XXXX 3 days later. Ok today I called them to get a pay off notice as I wanted to pay the balance within the next two months and I was told that my pay off was XXXX. I almost fell to the ground. I asked if she was joking because that was like over 100 % of what the scooter is even worth. She told me to return the scooter to XXXX XXXX XXXX XXXX in XXXX and my Balance would be XXXX. So basically I would be just giving them XXXX for something I don't have. I tried talking to a supervisor and got no where. I called the dealer from where I bought the scooter and told him that Monterey told me to return the scooter and he told me there are no returns. So now I'm waiting for a call back from the dealership and so far no call. I got severly scammed by everyone listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-04-20
Company: Self Financial Inc.
State: MA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose Self lender is reporting an account on my report with late payments this should not be on my credit report by XXXX XXXX payments should not be reported with lout my permission I would like these late payments removed immediately Self lenders account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Opportunity Financial, LLC
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: Account status incorrect

Complaint:
Opportunity Financial , LLC has failed to accurately report my account for several years and it continues to cause me financial damages. XXXX XXXX agreed to report the account " Paid in full '' and did not honor that. The account is reflecting negatively on my report and showing a comment " SETTLED-LESS THAN FULL BLNC ; CLOSED '' Please see the actual snippet from the email below : On Fri, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX XXXX, I'm glad you were able to make payment arrangements to pay off your loan in full. If all payments are booked as agreed on ; there is no further action required on your part. Our credit team will automatically report loan paid in full to credit bureau after your final payment. Should you default on any payment as agreed, we are required by law to report all delinquencies. I hope this clears your concern. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: TN
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name XXXX Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Experian Addresses 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 Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I have been a victim of fraud. Recently this year I was a victim of identity theft as well and I reported it. Recently on XX/XX/2023 someone started stealing my money from me, until XXXX XXXX. In total they took XXXX from me. Everything they bought was from a crypto website, and king soopers. I reported it to my bank ( Wells Fargo ) but they closed the case because someone verified as me. I did try to file a complaint already but it came back as closed. I would like to open this again because I need my money. Ive been trying since 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 2020-10-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender refuses to remove the PMI monthly premium. My outstanding principal is now roughly one half, that is fifty percent, of the loan value at the time of mortgage origination five years ago. The customer service persons on the phone when I call to request they drop the PMI state " we don't do that '' and " you signed an agreement to pay it '' when I originated the mortgage. Each phone call is XXXX $ billed to me on my following month mortgage statement, so I don't call. My current MI is XXXX $ per month. My current principal balance is XXXX on original loan amount XXXX and original appraisal of XXXX. I feel this is a predatory lending practice. Can you help drop this amount, and if possible, can I recover the overpayments since the 80 % ownership was reached?

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 2018-05-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened up my card credit card over a month ago. When I opened it up online and got accepted they sent me an online version of my card with the card number saying I could use my card without having the actual card delivered to me yet. So I gave my card information to the XXXX XXXX  I am going to and they charged me {$500.00} on my card. As soon as they charged me, care credit locked my account. I cant even access it online to make payments. They are saying I have to send my license and proof of where I live. And that itll take about 3 weeks. Which is ridiculous because I need to make a payment on my card. I have a paperless account so I cant even see how much I owe and I dont want to give my account information to my bank over the phone Id rather do it online. I dont understand why my card is locked when they said I could use it right away without having the actual card

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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/21 : Transunion subtracts 3 from an erroneous reporting that should have read {$0.00} ; account reads {$5.00} to {$12.00} balance XXXX both false, more on this later ) XX/XX/21 : Transunion subtracts 1 from an unspecified reason ; both occasions occurring after a formal dispute is filed and a subsequent complaint here regarding XXXX XXXX  XX/XX/21 : Transunion adds 12 to score. However this is a net 8 due to the previous actions. However another issue occurs with another erroneously reported account on collections that was literally paid in full the same day as the XXXX XXXX account XX/XX/21 : Transunion drops score 4 due to the balance going from {$12.00} to {$5.00}. Not only is this erroneous but this actually shows a positive act. This is the error mentioned for XX/XX/21 above. I literally am punished for an error, for a increase for said error and then a decrease in said error. Cant make this up if I tried. Thank XXXX for technology and screenshots XX/XX/21 : Transunion adds 4 to score. Im back where I started but not really because of the previous errors XX/XX/21 : Transunion drops my score by 15. Why? Because accounts actually were paid on timecredit utilization decreased and the same account were erroneously reported with {$7.00}, it is literally {$0.00} and has been for amount XXXX months. Transunion must have removed the add button in this reporting. A bank card also was not removed ; that actually is a paid in full XXXX that I purchased and paid well ahead of the due date. 

I always have reporting issues with Transunion. I have filed disputes with them and here to no avail with Transunion. XXXX and XXXX  are not perfect but both have corrected errors and adjusted scores properly. Transunion is the bureau consistently reporting errors and not adjust my score in good faith.

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 2023-10-03
Company: EQUIFAX, INC.
State: TX
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 checked again my credit report and found that some of the data were still incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reached out the the all three major credit bureaus. I requested they remove the balance off a credit card I was added to as a Authorized User. They investigated and verified the account was accurate. The issue is that since I am a authorized user I am not responsible for any debt obtained. the account was closed but the balance has yet to be remove. 
in accordance with the FCRA, the creditor and the credit bureaus have violated my rights under 15 U.S.C. 1681a sec 603. states only information on credit issued to a consumer is allowed 15 U.S.C. 1681a sec 604 A sec 2. States a consumer reporting agency can not furnish an account without proper written consent 15 U.S.C. 1681a sec 602A. states i have the right to privacy

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