BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: CITIBANK, N.A.
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:
A purchase was made through home depot website in XXXX through opening a new credit card promotion ( which is 10 % up to XXXX dollars ). The order is submitted and delivery is scheduled soon after. In 2 weeks, early XXXX, I called Home Depot Credit Card service to inquire about my XXXX dollar rebates. The customer service replied that it will be applied within 2-4 weeks. Late XXXX, website posted the charge without the promotion. I called again and got the answer that a report will be submitted and I should get it within 2-4 weeks. I called a second time after not seeing any changes and was informed that the promotion is denied because the charged is posted few days after 30 days marks outside of the promotion window. The supervisor submitted a report again. In XXXX, I called back, another supervisor said that the promotion is denied the second time due to 30 days and the decision is final. The supervisor does not care about when the purchase is made, order confirmed or shipment schedule. The transaction date that is completed controlled by Home Depot dictates the promotion so the Home Depot can practically control whether the promotion can be paid out or not.

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 2019-10-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Overcharge 1.25 % interest rate for adjustable mortgage from the original loan documents. 

Not correctly debit principal from bi-monthly payment, instead putting the extra amount into the OTHER column for 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Transword Systems Inc. To set up a payment plan too pay off a {$5100.00} debt for the   XXXX   XXXX   XXXX   XXXX   . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the   XXXX   XXXX   XXXX  . So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated.
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Since XXXX XXXX, 2017 I have been in contact with all XXXX major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all XXXX bureaus had a glitch were unauthorized.

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 2018-07-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: CCS Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Im using Experian app to fix my credit score im paying XXXX dlls a month and a I need to remove a bad credits report from XXXX XXXX I already paid the amount I use to own and they supposed to removed from my credit report and they havent done it If they can not be able to fix my problem I will cancel my membership

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 2020-05-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
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: Account information incorrect

Complaint:
I received correspondence from Fco in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 
No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed  contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor. 
If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Fco in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.

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 2021-02-02
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am faithfully paying the account with this company..Incorrect late payments on XX/XX/XXXXand XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company 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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 submitted a dispute to Transunion and XXXX  asking for validation of unauthorized and dated inquires that are being reported on my credit report. As of XX/XX/2021 I have not received validation or removal of inquires.

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 2021-02-02
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
1 ) Using their app I attempted to convert one currency ( Graph ) into another currency ( Ethereum ).

2 ) The app confirmed my transaction as Graph into Ethereum and I approved.

3 ) After the conversion, I get a notification that rather than converting my Graph into Ethereum, the system converted ALL of my Bitcoin into Ethereum. This was an unapproved, errant transaction.

4 ) I contacted customer support and for a week only received boiler plate responses that they are looking into the issue. Despite my attempts to reach them, they never actually sent a REAL response.

5 ) I filed a complaint with the BBB and then suddenly I received a response from Coinbase stating the following : Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Thank you for your patience.

Kind regards, Coinbase Support ref : XXXX : ref 6 ) At this time, my Coinbase account was frozen and I was no longer able to access it. I was NEVER notified that the account was being disabled/frozen.

7 ) I have requested information from them five times since and have not had any sort of response whatsoever. 

Ergo -- my complaint is not only for the initial, errant conversion of my assets, but for the freezing of my account/assets without notification. Their lack of communication is infuriating and if I were to guess, illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cashapp account opened about a week ago. My account had reached the sending max, so it was on hold for a week to send payments. I didnt choose to receive a card in the mail for this account and I believe that was the invitation for cashapp to take my money. Upon trying to log in to the cashapp account, I received a message that my email address could not be verified, the email that had worked fine for the time period that the account was active. I contacted customer service where I only had the option to create a new account to get through to customer service. I was told that parts of the information I gave to recover the account was incorrect, but no specific details on which parts. There are no live reps for cashapp so everything has been via email. The responses are generic and prompted. I received no help in recovering my funds and when I asked since I had to use my social to verify the account if it could be used to get everything settled or if they could just send a card to the address on file so that I could take my money out, those questions went unanswered by 2 virtual ( robot representatives ). I asked numerous times. No anawer. I was then told that my case was being closed ( on day 1 ) because I couldnt provide the parts of the information that could not be verified. My money is in limbo and I fear that cashapp has no intentions of giving it back. I dont even know if Im talking to a real person or if Im just getting responses via auto reply because Ive given every piece of info they could possibly want and they wont budge. This is theft an I will not stop until I get my money back!! Cashapp has multiple reviews on these kinds of instances. The account went from verified to mysteriously not able to match information and none of this was my doing. I want to know WHERE my money is, I want to know HOW long its going to take to get it back. I want to know WHY my account suddenly became property of cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i'am a capital one customer and also part of a reward program named drop. from XX/XX/XXXX till present I have not been able to access these points from my purchases using my Capital One card because they are not allowing third-party access and I would like them to allow third-party access on my account through drop thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
What is the complaint? 
I have a property up for short sale and closing listed with a realtor since XXXX last year XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. 
What problems are you having? 
Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. 
What happened? 
The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is  not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: WorldRemit Corp.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money via World Remit ( bank transfer ) on XX/XX/2020 to XXXX ; money was intended to support my family during this COVID19. Transaction amount is {$220.00}, amount taken from my checking account. I have all my records for this transaction. This was my third transaction with World Remit for the same recipient using same bank and account. Previous two transactions went well, no issues money was received on time, instantly. However, on this third transaction, money has not been received until today XX/XX/2020. I have been contacting World Remit since XX/XX/XXXX but issue has not been resolved. Long waiting time on phone, about 45 minutes or more. I exchanged several emails and online chats with their customers representatives and yet there is not a clear answer. The first time, I called, World Remit, they explained their procedure and requested me to send a bank statement of the receiver and my ID, which I did. They confirmed receiving documents and said working to resolve the case. I asked them to either release the money or refund it back. There is not any help and I feel like I have been scammed this time. Please, I need your assistance. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: JPL Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This collector has been calling about a debt and been calling posing as a law enforcement agency for years and I would like for them to cease communication altogether and stop the harassment. They have yet to be able to provide information on the alleged debt and have threatened to either sue or arrest me which is illegal according to the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
None of these addresses belong to me. I have disputed before and I never received any confirmation. Now XXXX and the other two will not let you dispute these addresses that do not belong to me. 

Previous address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX  XXXX, KY XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX, TN XXXX Dispute this

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 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent transunion llc a dispute letter to which they had 30 days to respond to and they haven't.

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