BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX = I opened a Coinbase account in order to buy XXXX, so that I can later transfer my XXXX to another platform and use it to buy XXXX. 
I transferred XXXX $ to my Coinbase account and bought XXXX for XXXX XXXX 
Made the transfer to my wallet in XXXX. 
XX/XX/XXXX still no money. 
Waited 3 days for the transfer to complete and even though it says on Coinbase " completed '', when I click on the address of my transfer I receive a message " error 404 ''. 
XX/XX/XXXX - I waited 1 week for the money to supposedly reach my wallet in XXXX. 
XXXX is not responding at all to my queries. 
The last time I had my money they were in Coinbase 's possession - now they are missing. 
None of the platforms replies. I reached out twice to Coinbase support email, received only an automatically generated email. Nothing about my missing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: IN
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:
Once again ... the only errors that have been fixed by XXXX regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. XXXX can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a zero dollar balance and as a Chapter 7 discharge from Equifax with the same zero dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.

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 2019-07-25
Company: EQUIFAX, INC.
State: KS
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 did not know i was breached by Equifax. They never sent me anything and now i am having to go through my credit information and call my banks and credit and car companies to see if anything is affected. I have credit monitoring and they failed to tell me this when this took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have respectfully requested for XXXX, TXXXX and Equifax to remove bankruptcy on my credit report. 

It appears that XXXX has removed Bankruptcy from my credit Report. XXXX has not sent me a verification of bankruptcy removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling XXXX XXXX XXXX, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling student loan services, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When reviewing my credit report from all 3 major bureaus I noticed collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, and collection agency to send me proof and HIPPA consent The bureau said the information was investigated but never provided proof or statements neither has the company. I am in the process of applying for a mortgage and this is a problem in being approved by a lender. The collection Agency information is listed below. I have contacted XXXX XXXX, XXXX and XXXX along with the collection company asking for proof and also this is a violation of HIPPA because I never granted permission for them to have my information. I did not obtain any information on this alleged debt and all I get is a piece of paper with 3 to me with no detailed information As you can see I have asked for information regarding these debts which are not my numerous times. They should be removed from my credit reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my report and I noticed inquiries on my Equifax and XXXX report that don't belong to me. I don't know why they are there but I never tried to apply for anything through these companies. Also Accordint to the Fair Credit Reporting Act section 604 - 15 U.S.C. 1681b these inquiries shouldn't be there I didn't authorize any of them to pull my credit. 
Equifax. 
1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX Bank XX/XX/XXXX 3 ) XXXX XXXX bank XXXX XX/XX/XXXX Experian. 
1 ) XXXXl XXXX Bank XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX Co XX/XX/XXXX 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
XXXX XXXX XXXX Opened XXXX XXXX, 2017 no balance but showed i paid {$51.00} is reporting on my credit report and this account does not belong to me. I don't know who the company is. It is hurting my report.

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 2018-01-12
Company: BTH Management
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a collection item from a collection agency called XXXX XXXX XXXX XXXX in the amount of XXXX only on my XXXX credit report. It just started showing up, I have never heard of them and have taken out a payday loan. I tried to dispute it with XXXX and XXXX XXXX, XXXX said they contacted the company and was told it was valid without receiving any type of contract or documentation to verify it, they just took their word. When I contacted XXXX they have no record of the account and told me to file a dispute with XXXX! And XXXX is telling me to contact plaza so I keep getting the run around for a debt that does not belong to me but is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When I first got my American Express XXXX XXXX, I had no credit limit. Without informing me they imposed a credit limit of approximately {$2900.00} in XX/XX/2020, when I made {$37000.00} per year. At the time, I tried to get them to raise the credit limit on my card but they said I needed to provide them documents showing I had a change in income or assets. When I did that, they still denied me even though my annual salary grew to {$67000.00}. I then received a subsequent raises to {$78000.00} per year and then to {$80000.00} year. When I called back recently to try and get it raised again, they told me my type of card was not eligible for a credit limit increase, even though they allowed me to submit documents to try and increase it before with the same card. I was told that I qualified for a XXXX XXXX  and that card would be eligible for a credit limit increase, so I got the XXXX  XXXX  ( which has a {$250.00} annual fee ). Recently, I got the XXXX XXXX and tried to increase my spending limit today and was told that with my current card they only increase spending limits when they review accounts periodically, a direct contradiction of what I was told only a week or two ago. I feel like I'm being defrauded and want help. I have looked through my card holder agreement and can't find any mention of this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my report and I noticed inquiries on my XXXX and Experian report that don't belong to me. I don't know why they are there but I never tried to apply for anything through these companies. Also Accordint to the Fair Credit Reporting Act section 604 - 15 U.S.C. 1681b these inquiries shouldn't be there I didn't authorize any of them to pull my credit. 
XXXX. 
1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX  XXXX XXXX  XXXX XX/XX/XXXX Experian. 
1 ) XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX Co XX/XX/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 2019-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A payment was sent to Bank of America XX/XX/2019 from a XXXX foundation to cover my mortgage payments for XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXfor XXXX. I am out of work and they are helping me make my payments as I am not receiving any income while out of work.They applied {$520.00} to XX/XX/XXXXand XX/XX/XXXXpayment and the remainder to principle. Someone from their collections department told me to call once they received the check to make sure they apply the payments as advised. I saw the payment was not applied correctly and sent email to fix and they advised that they can only make one payment in advance after someone in their collections department has already said it would not be a problem. I am a cross country with my sick  daughter staying in XXXX XXXX House I did what they told me to do and now they will not honor my request and I do not have the time to keep going back and forward with them. Im trying to make sure they get paid and they are making it hard for me.

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 2018-01-12
Company: PNC Bank N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-on to CFPB complaint # XXXX, dated XX/XX/XXXX associated with PNC Mortgage Company and PMI payments which should have been cancelled automatically. 

This complaint has been closed by the CFPB and PNC Bank has sent me a computer generated letter, dated XX/XX/XXXX, stating that I am no longer required to carry Private Mortgage Insurance ( PMI ), which I appreciate. However, they did not address my proposed and fair remedy to the problem and that is why I have created this new complaint. 

As previously stated in my correspondence and agreed by PNC, I started communicating with PNC in XX/XX/XXXX, regarding the removal of PMI on my loan. Based on PNC 's PMI removal requirements, my loan principle balance was below 78 % with the XX/XX/XXXX payment. Based on my original loan PMI documentation, PMI should have been automatically stopped at this time. It was not. 

On XX/XX/XXXX, I again wrote PNC, requesting deletion of PMI. They either did not read all information that I submitted or chose to ignore it and again sent me computer generated information on PMI. My complaint to CFPB regarding this was submitted on XX/XX/XXXX. In the CFPB complaint I proposed that PMI be terminated effective with the XX/XX/XXXX payment, which I thought was more than fair based on my communications and evidence. I did not request an effective date of XX/XX/XXXX, which legally, I should have been entitled to. In PNCs response to me and analysis of escrow account, the effective date would be XX/XX/XXXX. In addition, for XX/XX/XXXX, they charged me double for PMI ( MIP ) : {$86.00} versus {$43.00}. I received a refund of {$10.00} from XXXX, PNC 's partially owned PMI company. 

It was not my fault that the PMI document was originally written incorrectly and I did everything I could to resolve this issue in a timely manner. Based on the timeline of my communications regarding this and the PMI documentation, I was being more than fair by requesting a PMI termination date of XX/XX/XXXX instead of XX/XX/XXXX. Instead, they have taken an additional {$110.00} PMI ( MIP ) ( {$43.00} for XXXX plus {$86.00} for XXXX and minus {$10.00} refund check ) from my account. I request that I be refunded the {$110.00} overcharge or provided with detailed correspondence which clearly explains why I have been charged PMI for XX/XX/XXXX and double PMI for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 multiple credit card accounts open with XXXX XXXX in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by XXXX XXXX that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking XXXX XXXX for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to XXXX XXXX @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and XXXX XXXX even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like XXXX XXXX to appreciate a customer who has never stiffed them on principal or interest and have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.

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 2018-06-05
Company: EQUIFAX, INC.
State: IN
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:
Once again ... the only errors that have been fixed by XXXX regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. XXXX can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XX/XX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XX/XX/XXXX. 

I applied the account with XXXX XXXX ( XXXX ) on XX/XX/XXXX and submitted request to XXXX on XX/XX/XXXX. $ XXXX assets was successfully transferred on XX/XX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.

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 2022-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. 

If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausXXXX, XXXX, and XXXXand your credit score will take a hit. 

The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )

Company response to consumer: Closed with explanation