BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a refinanced loan with Quicken loans. In early XX/XX/XXXX I received a call from XXXX who only identified herself as a person with Quicken loans about my loan. She said XXXX had been trying to reach me about working on my credit rating. I said there was nothing that could be done about my credit rating because of my high medical bills out of pocket each month. She said that I should talk to XXXX that he had ways to help repair my credit. So I called and talked to XXXX and he said if I could get the two credit cards I have paid off that they would be able to remove the PMI from my loan. No one at this point every said it would be a new loan. All I was told was to get my credit rating up and they would remove PMI from my loan. I did as XXXX told me to do which was to sell off investments to pay off the cards. I understand now my credit rating is XXXX. This cost me about {$5000.00} in broker fees and money lost in money that would have been made had I left that money in the stocks and also monthly income that would have been earned. 
In the last week I have been getting calls from other Quicken loan officers about my new loan. I have never heard back from XXXX again. I found out today on XX/XX/XXXX that XXXX is a mortgage banker. I called today and spoke with XXXX he said now he never said he would remove my PMI that all he was doing was working with me to fix my credit which I have done so the PMI Would not be on my loan. Until today he had never told me that I would have to do a new loan and that the PMI could not just be removed. All he said he was doing was working to improve my credit so the PMI would not be on the now he stated new loan. This was the first time he used the words new loan. He gave me XXXX phone number and said I would have to discuss the terms of a new loan. I said I was not paying thounds of dollars for a closing and new appraisal of the house and witness fees and attorney fees to have XXXX dollars a month taken off my loan. I called and talked to XXXX XXXX Sevicing Resolution Specialist with Quicken loans who I had worked with before when I had problems with the last loan. He said I would have to talk to XXXX about terms of the new loan. That they could not just remove the PMI from my current loan until the 11 years were met or/and the life of the loan. I do have a call into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A year ago I took out a fixed auto loan with Wells Fargo. There are no pre-payment penalties for this loan. The minimum payment due each month is {$220.00}. I have paid more than the minimum payment due several times ( more often than not, sometimes as much as {$100.00}, each time writing on the check " please apply remaining balance directly to principal. '' However they have continually applied my over-pay amount to the following month 's in minimum due ( thus reducing my minimum payment for the following month. ) I still continued to pay more than the minimum due, and this cycle continues to this day. I assumed that eventually this will even itself out by reducing the amount of time it will take me to pay off this loan. 

This morning I thought it best to call Customer Service to verify this instead of assuming. The representative stated that this was not the case. Since I pay via Bill Pay ( through Wells Fargo online ) they do not process this pre-payment request, early principal payments can only be made by signing up on their Auto Pay Program. I once again reviewed the back of the statement and there's nothing indicating that this is required. In fact, all of my other creditor 's are able to accommodate my payment overage 's via bill pay without a problem. 

I feel that this is deceptive in that I reviewed the " Payment Options '' section of the back of the statement prior to pre-paying any of my principal and their " special '' requirement was never disclosed. 

Very deceptive!

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 2018-10-29
Company: Checkr, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I applied to XXXX for XXXX, XXXX XXXX and XXXXXXXX XXXX. The background check company they used is reporting my License as Invalid and has wrong issue date. I was reissued a current license when i added Endorsements for XXXX XXXX job. I can not XXXX for this companies with wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
apply for a delta skymiles credit card. When they applied, they offered me XXXX thousands, after spending {$3000.00}, I spent more than that and paid interest in order to earn the miles, and I called to see what happened and they said they would not give it to me. 
because at the time of applying they say that they will give the reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On XX/XX/XXXX, I made a purchase of {$430.00} on my card that involved travel services from XXXX XXXX XXXX. Those travel services were to be used in XXXX but unfortunately due to the ongoing pandemic, services were not received. In XXXX, XXXX, I contacted XXXX asking for a refund. They agreed to refund the full {$430.00} ( emails attached as proof ). I gave them ample time to issue the refund but as it had gone to XXXX without having received the refund, I decided it was time to escalate to my credit card. 

Thus far, American Express has not resolved the dispute. In fact, it appears they are closing my dispute without even bothering to help me on my behalf. Credit card companies ask their customers to follow the proper protocol, which I did, and then don't bother to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Under 15 U.S Code 1681B- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter Concerning the account listed below as a consumer, I am demanding a deletion of these accounts listed below :

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 2017-06-26
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My complaint is with coinbase. I have used them for years to buy and sell cryptocurrency. My daughter and I went to XXXX in XXXX and spent 7 days there. Upon my return and trying to sign into my account I gpt the following error message. <P/>Notice of account closure and pending disablement. Dear XXXX XXXX, We have reason to believe you reside in a country in which coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. treasury departments office of foreign assets control. As a result, we 've unfortunately had to close your coinbase account. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us as XXXX immediately and provide us with a copy of a photo ID and proof of your current address. If you account had a balance you will need to contact the U.S. treasury dept to request permission to access your funds. Respectfully, The coinbase team. <P/>I have sent I 'd verification and address proof on XXXX, XXXX, XXXX and XXXX and the only response I have ever gotten was a canned response about them being busy and if my issue is n't resolved please resubmit. I have already applied to the treasury to get my funds unlocked but have never had any response from coinbase as to if they have received my documents .... other than the same message which I will attach. They have no phone number to contact and no address to use, all of which I needed to file for the permit through the treasury. Since my account t is closed I do n't know the answers to many of the questions on the treasury application such as When was it closed? How much money? Address and phone number of the financial institution. <P/>I sent the form in anyway explaining that I could n't get into my account to know when it was closed or how much money was In it as coinbase will not respond. I searched for an address or phone number online and have come up with nothing. I have asked them repeatedly to help me with these answers since I do n't know them because I ca n't access my coinbase account. I 'm very frustrated that I would take almost 2 months without even a personal response or confirmation that they received my information. I feel this company is extremely unprofessional and are ruining people 's lives by holding their money hostage, approximately 12-14k in my case with no regard for expediency or even  communication. Please help me with this issue. It 's like I 'm chasing my tail trying to simply get a response. As far as I know they are out of business based on their lack of communication and my money/and or coins are gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon CFPB representative : I really apologize for having to address this same issue yet again. It has not been a full month since my last complaint. I put in a complaint on XX/XX/XXXX. The complaint # XXXX. Well, I paid my Wells Fargo mortgage through bill pay from XXXX XXXX XXXX for XX/XX/XXXX. It was documented on my account statement ; BUT, the additional cash payment of {$1400.00} that i made in the bank on XX/XX/XXXX was documented on my statement as unapplied {$1400.00} and not towards the principal as I clearly stated to the representative in the bank and when I called into Wells Fargo that same day to notify the bank that the payment would made for XX/XX/XXXX for the mortgage as well. So, the total amount I provided to Wells Fargo for XX/XX/XXXX was {$2700.00} ; {$1300.00} for standard mortgage payment + {$1400.00} cash additional principal payment. Again, I apologize for complaining about this ; but, I want this matter adjusted and corrected immediately. Thank you for taking the time to listen to my complaints. 
Sincerely, 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 2019-01-10
Company: Innovis
State: AZ
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:
On XX/XX/2017 Cbcinnovis Did a hard Inquiry on my account They had my permission then. They did another Inquiry on XX/XX/2017 and XX/XX/2017 They had my Permission to run my credit. 

Months passed by and on XX/XX/2017 they did another Hard Inquiry and again XX/XX/2017 and another on XX/XX/2017 I called Cbcinnovis and I asked why they had ran my credit again, they said it was a mistake. They had another customer with the same name and accidentally ran my credit. I asked if they can take care of it and they said yes. I waited and they haven't done anything to fix it. It has now been a year and still no movement. I am very upset as a consumer because it has had a negative affect on my credit. I am trying to fix my credit at the moment and this is not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
My wife XXXX XXXX has been dealing with BofA for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

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 2020-08-20
Company: THE MONEY HOUSE, INC.
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My rights were denied.the mortgage company appointed my closing lawyer ( agent ) I never knew who my representative was, until the XXXX before the closing when he called me.He never identified himself as my closing agent.I was assigned a hazard insurance policy generated by the mortgage broker.A stripped down policy that covered only {$160000.00} of a {$190000.00} purchase price.Ironically the closing agent sold the ( XXXX XXXX ) policy.This a form of liability which protects the homeowner from lawsuits against the property.Closing documents were given to the realtor without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XX/XX/XXXX ) 2. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency.

This is list of all the Hard inquiry.

1. XXXX XXXX XXXX.- DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- -- DATE XX/XX/XXXX 5.XXXX XXXX XXXX DATE 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 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to 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 explanation
Consumer complaint received 2018-10-29
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: Account status incorrect

Complaint:
have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-29
Company: EQUIFAX, 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:
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..CFPB please delete Bankruptcy : Discharged CH-XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following student loans were reported on my credit report XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-29
Company: Radius Global Solutions LLC
State: FL
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:
I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My family agreed on a lease on XX/XX/XXXX, a security deposit of {$900.00} was made through XXXX XXXX and on XX/XX/XXXX a first months rent of {$1000.00} was also transferred using XXXX XXXX XXXX  with Zelle to the individual that we hours later found out was scamming us into the lease and is not the actual owner of the home. We can not reverse the payments made without the scammers agreement which of course he will not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: MS
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 have disputed the late payments on XXXX/XXXX  XXXX, XXXX/XXXX XXXX OF HI XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-06-25
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PBCM received an account from XXXX XXXX that is more than 7 years old. Debt is not legitimate. Complaints filed with FCC against XXXX for cancellation charge that is not valid.

Company response to consumer: Closed with explanation