BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Adjusters Confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital one gave a pre-approval offer. Credit did not change, all details were verified but still came back as a decline, from what the agent said i should never had received an offer in the first place. This is in breach of firm offer of credit under FCRA. I provided verification of income and all other relevant details and my profile had not changed at all between the times. Misleading advertising and impossible to have received the offer. Hard inquiry placed based on misleading offer that was unachievable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On the XX/XX/XXXX, my husband and I went to the XXXX XXXX fair and purchased a mattress. Upon purchasing, the salesman whose name and information I can give upon request informed me that I would need my credit checked before purchasing, meaning he asked for my husband and I personal information. After informating us multiple times and reassuring us that this would only have a small hit on our credit and we would get 0 % interest on the mattress we purchased we signed the agreement. Before signing he mentioned that payments would be made through a credit card, we specifically said we did not want to apply for a new credit card and that we were more then happy to make payments through the credit card we already have per seeing the paperwork we were about to sign. He assured us that this was possible however, today my husband and I checked the mail to see that we have received a new credit card with synchrony with an extremely high interest rate of 30 %. When attempting to call the salesman directly in order to confront the issue he did not answer our calls, after which we called the card company and they said all that could be done is that we report it or call the salesman. We then called mattress firm and they said all that could be done is them emailing the salesman and the supervisor of the fair, however they told me that was all that could be done and it would take a while for them to get back into contact with us. I am extremely upset and confused on how to continue as I have been given very different information. When I called the credit card company they told me to contact you or the sales company, and when I contacted the sales company she informed me that I should not contact you guys unless I want to refund the mattress, which is something I dont want to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was informed that my transaction was successful but the recepient did not receive the money. 

Upon further investigation on my end it was confirmed that the money was returned to World Remit. 

The transaction completion date was XXXX XX/XX/2018. I followed up with World Remit to inquire about the status of the missing funds on 2 separate occasions. 

I was assured the first time that the transaction would go through, the second time I had confirmed the funds had been returned. World Remit assured me that they would refund my money but seem to still not know where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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:
I have contacted Transunion about the inquiries in question only to be met with " Inquiries are a statement of fact ''. I have been disputing the following unauthorized inquiries : XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX. Only XX/XX/XXXX XXXX was removed and I am asking that since the aforementioned were not verified, that they be omitted and removed from my report per the FCRA.

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 2020-11-14
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Banco Popular of Puerto Rico offered consumers a mortgage moratorium due to Covid19. The initial written offer was a 3-month payment moratorium, to be paid at the end of the mortgage. After us accepting the 3-month moratorium, Banco Popular sent a written confirmation letter acknowledging the mutual agreement. A month later they sent another letter extending the period to a 6 months moratorium. We reiterated that we wanted to stick to the 3 months already agreed on. A month later Banco Popular called us to say that to qualify for the moratorium, had to be at least 4 payments sent to the moratorium, we again stated we wanted to stick to the 3-month agreement, but we were advised not to pay the mortgage for the 4 months required to qualify. Last month they sent a new letter demanding payment for the 4 months that were supposed to be part of the agreement. 

We scanned and sent them the official letters they had sent on accepting the moratorium. Today we tried to process the XXXX payment as instructed and they refused to post it to the mortgage account. Somebody has to make Banco Popular responsible to honor their written offers. We did not ask Banco Popular for a payment moratorium, they offered it and accept it in writing. This situation is causing us distress and mental anguish as the only thing we did was to follow instructions on their offer. Can you help? According to other Banco Popular employees, there are hundreds of consumers going through the same ordeal. 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 2020-07-28
Company: LEXISNEXIS
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH,XXXX  I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addressesXXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX OH, XXXX XXXX  XXXX   XXXX XXXX OH, XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX OH, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an XXXX XXXX XXXX serviced through Synchrony Bank. I was charged a {$30.00} Security Fee on my first statement. No where on the statement does it explain what this fee is for or the benefits it pays for. When enrolling for this card a month ago, I did not opt in for any security service, nor was I advised there was a mandatory service for this card. I have sent a message to customer service, but wanted to report this as there may be other consumer who are unaware of what they are being charged.

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 2020-11-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working on refinancing my mortgage through PennyMac. Mr XXXX XXXX was the loan officer for PennyMac. We agreed on the terms and locked a rate. I received a loan estimate document from XXXX on XX/XX/XXXX that broke down fees and other items. The fees included a " 0.02 % of Loan Amount ( Points ) '' for the amount of {$65.00}. After that I was working with Mr. XXXX XXXX from Penny Mac. This loan estimate stayed the same throughout the refinancing process steps. The loan was approved and a closing time, signing the loan documents through the Title agency, was set to XX/XX/XXXX. 
On XXXX, eight days before closing, I received an email from Mr. XXXX that included the closing disclosure documents for me to review. The document was dated XX/XX/XXXX. I reviewed the document and all loan fees were similar to previous estimates, including the 0.02 % for points. 
The documents to go through and sign, my wife and I, on the closing date on XX/XX/XXXX included over one hundred pages. I was aware that I had 3 working days after closing to bring up any issue with signed documents. So, I was doing my best to review the documents and sign without having to spend a whole day reading the fine prints. After we were done signing the documents, I realized that there was a change in the fee by changing the 0.02 % for points XXXX {$65.00} XXXX to 0.38 % ( {$1200.00} ). I called Mr. XXXX to discuss then followed by an email on XX/XX/XXXX and other emails later, On XX/XX/XXXX, Mr. XXXX replied by an email, basically stating that if I did not like the changes I could opt out of the deal. I felt this not fair and not legal to introduce a change at the last minute and the only option for me was to opt out with no guarantee that I would be able to lock a good rate. I did not do anything wrong, PennyMac did. I did not cancel thinking that somebody at PennyMac will for sure address my issue. Since then I sent several emails to Mr. XXXX and one final email and several phone calls to Mr XXXX, but I got no positive response and I was left feeling robbed and helpless. 
I heard about your agency and I am reaching out to you to help me get my issue addressed. 
Thank you for existing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on my credit file. I immediately called and settled this debt as soon as I knew about it. I however, never received a 30 day right to dispute notice from Knight Adjustment. This is a violation under the FDCPA and the FCRA and it must be removed on that basis. I am aware that Knight Adjustment can report to the bureaus as they deem necessary since they are the furnisher. This account has been paid and I ask that they provide me with a deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to BSI Financial over one year ago. We have never had any issues with our previous mortgage company, but now all we have is trouble. BSI asked for proof of homeowners insurance and we provided it. We provided it 3 times! and had two " 3 way calls '' with BSI 's third party insurance company. 
In the meantime, they " sold '' us their insurance and charged us. We would send in our mortgage payment and they would XXXX it to an escrow account, showing our mortgage as late. We tried calling them dozens of times, and got incompetent customer service people and now we are at the end of our rope. 

As I write this, we are on hold on a Friday evening, waiting for one of their representatives to pick up. We got no answers ... ..only confusion when trying to resolve this issue. I would like to remortgage, but they put us as delinquent on our loan. We have no financial issues, we can easily pay our mortgage, but due to this downgrade we are at the mercy of this company. 
This needs to be resolved as we believe there may a violation of mortgage law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Had a lady send me a contract for rental of a condo for this upcoming weekend. XXXX and requested paypal payment. I sent as she requested, signed rental contract and returned. Now I feel she is scamming me and i send thru paypal friends and family. I would like to dispute this for a refund. ive asked for refund and to cancel and they stop replying. The amount is XXXX paid out of my checking act. The dates of transactions Your recipient should have the money by XX/XX/2020. 
Paid with {$66.00} PayPal Cash balance {$1100.00} XXXX XXXX XXXX XXXX  XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX Note XXXX Details Sent to XXXX XXXX {$1200.00} Fee {$4.00} Total {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to transfer funds from XXXX on line bitcoin and can not transfer monies into my account. Bank blocking transaction. This happened last year as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CITIBANK, N.A.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Phantom Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was contacted XX/XX/2020 @ XXXX MST from XXXX I was told my debt was {$4800.00} and that I would owe {$6400.00} after a judgment was granted against me and my wages would be garnished and negative information would be entered against my credit report. 
I was told I could get a settlement amount or make payment arrangements before this went to court and accrued legal fees.

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 2020-07-03
Company: Aqua Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX came to my house to do an interview about adding a alarm system in the house. They told me that they will setup up the security system and all I need a copy of my check and they will be able to setup up my services. They install the system the same day and told me that if I was unsatisfied that I had 72 hours to discontinue services. The service triggered false alarms 59 times. I was left to pay my county twice XXXX $ for a service that didn't meet expectations. After discontinuing services, I called my bank to dispute the issue and stop payment. In addition to that, there was a credit line open up in my name without my knowledge. They are still charging me for payments through XXXX. I also am receiving statements from Aqua Finance, ( their partner. ) They told me that they use this credit line to pay for the XXXX system. This was used to pay for the security system without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 two accounts listed below does not belong to me and it is fraud. 

XXXX account number XXXX XXXX account number 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 2022-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have accounts on both Coinbase and Coinbase Pro which I opened in XX/XX/XXXX. In total I bought roughly XXXX xrp using both Coinbase and Coinbase pro. Back on XX/XX/XXXX I transferred all of my xrp off of my Coinbase account onto my private wallet and that same day went to transfer all of the remaining xrp off of my Coinbase Pro account. The xrp immediately transferred to my private wallet from my Coinbase account however I was sent an email that the transfer from Coinbase Pro to my wallet could take 72 hrs for verification. I thought ok no big deal. On XX/XX/XXXX I went to check my private wallet and was surprised/nervous to find my private wallet had not received my latest transfer request from Coinbase Pro. After several attempts to login to my Pro account and getting incorrect password I finally selected forgot password to have them email me a new one. I never got an email so I tried a few more times. Still nothing. Thats when I reached out to Coinbase support for help. They told me they would review my case and get back to me in 4-5 business days. When they got back to me I discovered someone had hacked my account and changed my email, password and phone number linked to my account. Support asked me to verify myself by logging into my account even after I told them that was my problem in the first place, I cant! Then Coinbase Support quit responding to my emails. I have no one to talk to and they refuse to respond to my emails ( which have totaled over 18 emails now ). My two main concerns are 1 ) I would like my remaining xrp 2 ) I need my account unlocked and restored so that I dont lose my airdrop of Spark tokens from XXXX XXXX which would be distributed to this account over the next 2 years. Please help me with this, I have lost all faith in Coinbase and their lack of support

Company response to consumer: Closed with explanation