BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: Selene Finance LP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My issues began back in XX/XX/2018 when I requested Selene Finance to  remove my MIP due to my LTV falling below the {$170000.00} value of my original loan amount of {$220000.00}, below the 77.6 % LTV per USHUD,  mortgage letter XXXX. I have purposely made large principal payments to increase my equity as I have never qualified under any of Obama 's Affordable Housing programs to reduce my interest rate from the high 6.375 % that I have been stuck with since the inception of this loan. The benefits were not provided to a working male XXXX who is not only a XXXX XXXX veteran, but I have also never missed a payment. My MIP was removed as my payment decreased, but I never received any letter from them stating the outcome or if I was due any refunds. In XX/XX/2018, I made another large principal payment and they applied it to escrow. I called and spoke with XXXX ext XXXX on XX/XX/18, who said she would submit the correction to her supervisor. I also advised her that I could no longer see my statement or amortization schedule online nor have I received it by mail. She was not aware why it was no longer available. She was to look into the issue for me. I called back on XX/XX/18 and spoke with XXXX who said it still hadn't been fixed and would submit it again to a supervisor. I asked for a statement and amortization to be sent as I want to validate my payments are being received an applied correctly. To date, I have not received any statement or amortization schedule validating that my payments have been applied correctly. Today, XX/XX/18, I called and spoke to a female customer service representative. I could not understand her name. She did not know what an amortization schedule was. She asked her supervisor about me not receiving any statements as well as the requested schedule. Her supervisor directed her to have me put my request in writing. I told the representative that I have requested my monthly statement and amortization schedule several times and should not have to put that request in writing for a statement that I should automatically receive. I told her I was going to submit a complaint to the CFPB and she didn't even know who of your agency as well. I feel that Selene is purposely punishing me for paying extra principal payments due to them losing out on interest. This is an egregious act on their part to injure me by hiding how they are applying my payments. I am reaching out to you the CFPB in hopes that you can assist me in getting to the bottom of this.

I am hoping you can get Selene to provide me with the following : Monthly statements mailed to me without me having to request them each month My amortization schedule available to me when requested A copy of my original loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Apple should clearly disclose what the company intends to offer. Just try to purchase a XXXX XXXX XXXX from Apple for school purposes. We are currently offer 0 % financing for six months. False and misleading! Once consumers click yes, it generates a contract with different terms and conditions. Granted, it was my responsibility to review my statements to make sure that they were free of error, however, would XXXX  have rectify its unscrupulous act? Absolutely not. When I asked to close my account after I paid it off, said account incurred {$43.00} in balance rewards and XXXX  would not mail me a check. They never had that amount displayed in a way that consumers can see it and use it. I have knowledge about proper disclosure in financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Billing dispute for services

Complaint:
CAPITAL ONE PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO CAPITAL ONE HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU XXXX WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Shellpoint Partners, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXXXXXX XXXX is reporting me being late XXXX days late in XXXX and XXXX of XXXX. 
I was in XXXX from XXXX XXXX XXXX 
My last payment to Ditech which was the previous company now XXXX was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXXXXXX XXXX. 
My XXXX  with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of XXXX. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX XXXX took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to Ditech in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi, On XX/XX/2018 a {$25000.00} wire was sent to Coinbase.com. The wire was rejected due to the account using my middle name, which i go by, instead of my legal first name. The wire was supposed to be reversed and received by my bank within 7 business days ( which already is a ridiculous wait period ). It has been over 7 business days already and we still have not seen anything or received any correspondence from the company.

I can provide detailed information on the wire sent to coinbase.

Amount : {$25000.00} Date : XXXX/XXXX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion has been stalling and not investigating the disputes about my credit report. I repeatedly receive the same computer-generated report each time I ask them to provide verification and address specific information. They ignore each request. I have yet to receive their Method of verification or anything about how they verified the accounts and information. There are several violations that they fail to address or correct. For example, On one creditor alone they reported 19 times that the account was charged off. One account can not be charged off 19 times. Payment histories with the wrong codes. This similar situation is reported on other accounts. There is missing payment history that doesn't line up with the reported data on the report. There is missing information on my report. Balance histories that are not accurately reported. I have several accounts and each creditor is reporting wrong dates. Wrong information in the comments. I tried going directly to the bureau but this has gone on for months and now I'm upset. It has damaged my credit and I'm paying higher fees and interest because of their negligence and unethical practices when it comes to the consumer and reporting information. This isn't right and an attorney should look over this report and what they are doing.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the Target Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/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 2021-03-24
Company: CITIBANK, N.A.
State: CA
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:
Debt with XXXX was paid off back in XX/XX/XXXX. 
They advised as soon as the debt was paid in full the account will no longer reflect on my credit. I have sent them numerous request to delete the tradeline and they have been unresponsive since XX/XX/XXXX. Per law they have 30 days to respond to my dispute and they have failed to do so, document attached shows no update status since XX/XX/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 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # 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 2018-08-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And COMMONWEALTH FINANCIAL   negatively reaged my credit. Saying it was opened on XX/XX/XXXX (XX/XX/XXXX) and openedXX/XX/XXXX ( commonwealth financial ) when this debt is from XX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This Complaint is against Equifax XXXX XXXX  XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and the letter was received by Equifax on XX/XX/2018. I waited 40 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me letter on XX/XX/2018 stating the identification I sent them does not match their records on file and they needed a utility bill and I.D and social security card and the letter they sent me so I sent them copies they needed on XX/XX/2018 certified via mail tracking # XXXX of the old disputes letters that has a notarized letter saying that its me and my address is correct on the dispute letter. It is now XX/XX/2018 and I have still not received a response from Equifax with an update on my credit dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested several times for Experian to remove this fraud alert from my account but they have been unwilling to cooperate. They take it of and without my authorization put it back on.

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 2020-02-25
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Barclays Credit Card A fraudulent charge was made to my account on XX/XX/XXXX. Barclays was made aware of the charge on XX/XX/XXXX and a provisional credit was made. The charge was reversed on XX/XX/XXXX. I appealed the decision in writing on XX/XX/XXXX and again on XX/XX/XXXX. I ultimately paid the charge of {$720.00} in order to protect my credit. 

XXXX XXXX The fraudulent charge was for an airline ticket with XXXX XXXX. I also disputed the charge with XXXX XXXX but they also will not refund the money in spite of an airline ticket being purchased in someone else 's name.

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 2020-02-25
Company: AMERICAN INTERNET MORTGAGE
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Your company will NOT reimburse you for the closing cost fee AimLoan charges you for your mortgage. If your company is paying for your move, use another lender whose fee is reimbursable. The loan officer at AimLoan clearly stated to me that their fee would be reimbursed by any employer and later stated they have never had an issue with a customer receiving reimbursement. This statement was made prior to me committing to using them as a lender for my mortgage. I chose to use AimLoan because they stated this fee would be reimbursed. Had I known the fee would not be reimbursed I would have used another lender. 

I am employed by an agency of the XXXX XXXX XXXX and approval of the reimbursement for my closing costs is subject to review by another XXXX XXXX XXXX. That agency determined that the fee was not reimbursable based upon the verbal and written words the loan officer provided directly to the reviewing official at that agency. 

Additionally, in the About AimLoan section of their website they state, Our state of the art website fully discloses rates, points, fees and all third party costs, 24/7. However this is false advertisement as part of the reason their fee was not reimbursed is because they refused to disclose an itemized list for their fee to my approving official. This is clearly false advertising since they do not and will not fully disclose the rates, points, fees and all third party costs. 

Because AimLoan told me that the fee was reimbursable, prior to me committing to using them as a lender for my mortgage, and that their verbal and written words directly led to me not being able to be approved for reimbursement of their fee, AimLoan must return the fee in its entirety. This is in addition to the false statement about full disclosure on their website. In discussions with AimLoan to rectify this issue, AimLoan offered only half of the fee. The total amount of the fee was {$990.00} and the remaining amount they must refund is {$490.00}. 

Additional details : we closed on our new home on XX/XX/2020 and complaints were made to the company multiple times between XX/XX/XXXX through XX/XX/2020. The loan officer is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Specialized Loan Servicing LLC has forwarded a 1098 Mortgage Interest Statement without providing proof of chain of custody. 

SLS on the attachment is misrepresenting this unmerited debt by stating that my balance is {$13000.00}. I am confused about these statements from SLS stating I owe them because they are my creditor per the documents attached. I never executed documents with SLS. 

Most importantly SLS refuses to furnish documents of ownership thru chain of custody. 

I can not and will not include these documents and number on my tax returns. I DO NOT OWE THIS DEBT STATED AND SLS AND AFFILIATES DO NOT OWN THIS DEBT. 

SLS and affiliations has placed a lien on my property without any standing to do so.

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 2022-01-07
Company: Genesis FS Card Services, Inc.
State: RI
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:
I received XXXX calls from INDIGO/GENESIS FS CARD to my phone about a late payment in the beginning of XXXX. i told the rep i was never reimbursed for the XXXX credit hold from my budget rental. I was told that i would need to make the minimum payment to the account to dispute the charges. i told her i would think about it but did not understand how i was being chase down and charged for money I didn't owe. i made the minimum payment and checked my account on line. upon doing so i noticed lyft charges and no record of the hold or the money being put back on my account. i only saw that the math on the balance was wrong. On XX/XX/XXXX i called in about the hold and to dispute charges. I also had questions on the " credit hold '' that i never saw on my statement nor seen it given back to me. once i gave up on the hold i told the rep about the lyft charges that were not mine and was told that day a dispute would be done. i called 2 weeks later after still not understanding the hold and to get an update on the dispute since i was hit with interest charges on the very ones i was disputing. and was told my dispute was still ongoing. i asked about the false reporting of my credit and was told that the interest charged would be reversed, and they would take care of any negitive impact this has caused on my report once it was done. 

last week I called to check on the dispute and the the interest charges and was told no such dispute existed. after 2 days and finally speaking to someone who said they were in management i was told that i in fact never disputed. I called the next day to ask that my recorded phone calls be looked at and this Wednesday, XX/XX/XXXX, I was called to tell me in fact i did make the dispute and that they are looking into it. But, in the meantime did they want me to start the dispute now. i told them do not start the dispute now and they were give the allot time and communication to do their investigation and I wanted the charged removed right away. i was told this could be done even though I explained they were out of compliance with the federal law. 

I have paid all the charges on this Credit card except for the XXXX of fraudulent charges. I believe I'm within my rights for Genesis FS to refund my card that amount without having to go through another 60 day investigation. the amount of time it takes me to get on the phone with someone, not outsourced, is outrageousness and how they have handled my account is non professional, including the fact i was told they dont show " holds '' on cards they just take it from the balance. any and all transactions should be reported to the statements for transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recieve a loan from XXXX on XXXX 
Could not understand there on line classes and dropped out the next week they did not dismiss my load until XXXX   Not i am resposable for repayng the entire course. {$7000.00} I feel i should not have to pay for this couse because i dropped out the first week. This has been a total scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation