BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is being filed against Javitch Block & Rathbone debt who represent the creditor XXXX XXXX XXXX XXXX XX/XX/XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX XXXX XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX XXXX XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX and XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX and XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.

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 2018-11-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Fee 's changed from last Loan Estimate disclosed to the Final Closing Disclosure at closing. I addressed this with my loan officer and processor but processor was rude and not very unresponsive and Loan Officer told me the fee 's where re-disclosed to us but they were not. 
Last LE disclosed to us on XXXX had : Final Inspection of {$100.00} in B section, Lender Credit of {$290.00}. 
Final CD at closing on XX/XX/XXXX had : An a .03 % charge for points in the amount of {$39.00}, Final Inspection charge was {$150.00}, Lender Credit of {$50.00}. 
Rate lock had to be extended because the processor did not work on the loan in an efficient time with the date we were supposed to close ( XX/XX/XXXX ). The loan officer told us she could do a free 10 day rate lock extension, that did not happen. Whenever they wanted any documents we would send them right away, so we were not the problem with the hold up for settlement and rate should not have needed to be extended if the bank would have done their job. Title was done, we had insurance, all we were waiting for was the bank. We had the worst experience and would not recommend this bank to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Last year, I checked mycredit report when applying for leaseing a car in XXXX XXXXand found that I had several credits card under my name that I had never applied for. Because I am a full-time housewife, I have little economic contact with the outside world, so I have not noticed. Upon inquiry, my ex-husband used my SSN to handle these CARDS without my consent. I first tried to communicate with the bank and applied for a report from the police, but the bank thought that the credit card had used the debit card in my name to repay, so I knew and enjoyed the benefits of the card, so I need to be responsible for the debt generated by this credit card and affect my personal credit. 
Here, I want to emphasize above all, as the credit card bank said the checking account that use to make payments for the credit card is under my name. But I want figure out that is a joint account, so that does not prove that I am the one who take action to make payments and I was awared that I have this credit card. Because the bank 's transaction records can't show whose credit card was paid. Most importantly, I did not apply for these credit CARDS myself, nor did I ask others to help with the application, which was caused by the lax approval of the bank 's own credit CARDS.

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 2018-06-15
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to file a complaint against, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. 
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to XXXX XXXX XXXX XXXX. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. 

Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: MA
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 writing to dispute XXXX XXXX/XXXX  XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.

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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This collection has been paid in full and transunion is reporting it like I owe this debt. I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

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 2018-06-15
Company: CITIBANK, N.A.
State: NY
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 a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BEST BUY/CBNA with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 writing to dispute XXXX XXXX/XXXX XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.

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 2021-07-14
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They declined me without checking my credit its not fair their system auto declined saying I was a bad customer when I wasnt I was told I could reapply but when I call they refuse to even pull my credit and see if I qualify to have a new account Opened claim they have a policy that doesnt allow and I can never have a nee account I feel discriminated against

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 2020-02-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2019-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2018 I contacted XXXX around XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, XXXX   would not removed it, XXXX did remove it. And I dont know If equifax did anything. 

I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at santander. This is ruining my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am going to make this short and sweet as I dont have much time. It would be much easier to speak with my husband or I about the situation as we are extremely busy trying to complete all of the tasks needed to get back into our home over 9 months post Harvey. We lost our home and the entire contents in Harvey ; left with a few clothing items and essentially have started our lives over. We have XXXX children ; ages XXXX, XXXX, XXXX and XXXX and both work in the XXXX XXXX field as XXXX XXXX. We do okay financially but definitely are not living extravagant lives. All of our money is going towards getting back into our home and will be for the next couple of years. We received FEMA full assistance among a few other small donations but when you sum up the amount lost, havent even come close to meeting the amount needed as we did not have flood insurance. Everything was moving along ; our mortgage company, XXXX was super understanding and did not require us to make payments on a home we werent living in for 6 months +! My husband had almost gotten everything in required for an SBA loan ; we were even going to be able to get an amount enough to cover not only our home repairs ( well over {$100000.00} ), but also add in our existing mortgage. All of a sudden we begin receiving paperwork from another mortgage company ( freedom mortgage ) stating that they had taken over our loan and we were IN DEFAULT! We began frantically trying to understand and fix the situation when all of a sudden on the day that we were supposed to close on our SBA loan, we were informed by the loan officer we had been working with that we were not eligible for the SBA loan due to being in default! Our SBA case manager has known from the beginning what was going on and said nothing. We were never in default until 3 weeks ago! We have now had to redo the application process among other things and to top it all off had to immediately come up with over {$11000.00} to get our mortgage that we were never told was in default current! We have no money left to pay for our home repairs and havent even begun to purchase furniture and are now stuck waiting hoping that this while SBA loan will work out. All of the things the disaster recovery assistance programs were supposed to provide for those like my husband and I have not been done ; there are numerous others going through the same thing as us if not worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made this mobile deposit for my account and it got declined XX/XX/2018 for XXXX and I want to know why it was declind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: GA
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:
Derogatory marks PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 XXXX/XXXX  CHXXXX

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 2020-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage using a payoff amount provided by the company that was good through XX/XX/XXXX. The mortgage company then went ahead and took an additional payment out of my account on XX/XX/XXXX. They then refused to even allow you to wait on hold to speak to someone and are holding on to my money. It is unacceptable to steal from someones account and have no one answering the phone on your customer service line during business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
The late payment that is showing on my credit report for my auto loan with XXXX is not correct.

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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The late payment that is showing on my credit report for my auto loan with XXXX is not correct.

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 2019-09-09
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The said accounts were not open by me. And any contract bearing my signature was not signed with my own hand and is fraudulent and COAST PROFESSIONAL continue to attempt to collect on a debt thats fraudulent after notified.

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 2019-09-09
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This cellphone plan started on XXXX. After all the lies about pricing and quality of services, we would receive told to us by the sales rep came to light. I returned all of my equipment and canceled all services under the buyer 's remorse clause on XXXX to the original store. 
I paid all restocking fees and have the original sales receipt as well as the original return receipt. On XXXX I received a notification on my credit report that an account placed into collections on my credit report. And is know showing as an active collection on my credit report. I returned all the equipment and canceled all service. This Debit is not valid, and I have not received any prior notice of attempts to collect this debt to give me a chance to dispute this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Capital One- XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major operation, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a payment required on my account due to unauthorized access to my account. 

I have attempted to pay this amount regardless, but Coinbase does not allow me to pay the balance due to technical issues. I can not add money to my USD wallet to pay. I can not go to the payment required page and pay by bank or out of my BTC account. I currently have XXXX or {$5200.00} in my account. 

Due to this supposed " Payment Required '', I am not able to send or withdraw my funds. This needs to be fixed immediately. 

I have contacted Coinbase repeatedly on the issues within the access of my account and they are not handling it in a timely manner. Cases are still open, but they continue to close cases and I have to reopen them via the support ticket. After calling 4 times, they just continue to escalate the cases only to be rejected.

Company response to consumer: Closed with explanation