BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We contacted Nationstar because we are in the 6th year of A Make Home Affordable HAMP and we received a letter from Nationstar Mortgage stating that we may be eligible for the HARP program with a reservation ID # So I call - We wanted to lower our monthly payment get our rate as low as possible for 10 years but we would go to 15 years. 

Well to get to the point when I received the email of the Loan estimate from Nationstar the Loan cost origination charges came to {$4800.00}. dollars this included points and fee so my total Loan cost $ XXXX.and total closing cost came to {$10000.00} and the rate started at 3.75 % then 3.125 % for 15 years I just feel or know something is just not right about these numbers. I have talked to other leaders and the loan cost ranged from XXXX to XXXX. If someone would contact me to let me know if Nationstar has had complaint before this I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a debt validation and verification letter to Commonwealth Financial systems on XX/XX/2021 by certified letter. The company did respond to all of the information I asked for. Proof the debt belongs to me. My signature on any contracts, proof you are licensed to collect debts in my state. The item is still on my credit report with all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-03
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with the Collection agency of Conn 's Appliances, XXXX, for {$1600.00}, I paid this amount. The collection agency is owned by Conn 's. I have the bank draft where I paid them. XXXX  keeps telling me that it's accurate when it's not. I paid. You can not get in touch with Conn 's to talk about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/2020, my credit report showed I had a late payment for my best buy account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for BestBuy. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my best buy account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my best buy account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from BestBuy using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.

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 2018-02-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
COINBASE BANK TRANSFER DEPOSIT I made a international bank transfert ( XXXX ) for deposit on my COINBASE account on the XX/XX/2018 
Afterwards, I have realized I have made the transfer from an unsupported country ( XXXX XXXX ) according to COINBASE website. Therefore, there was no indication to make sure the actual bank transfer is not from an unsupported country during the process of how to make a deposit on a COINBASE account. 
I have no updates from COINBASE on where is my money, if it has been credited on their account in XXXX, if the money has been send back to me, I have no deposit on my COINBASE account either. I can not use it on my account as it doesn't show any amount on it. 
I have sent 3 differents complaints on COINBASE website starting from 10 days after I made the bank transfer, and I only had pre-made replies out of subject initially, and then NO MORE REPLY ... 
I am absolutely ALONE now. 
NO one from COINBASE is trying to contact me and help me or giving me status of that situation or updates.

I have called them in USA on their Support phone number as well but NO ONE replies ... 
I don't know anymore if I will get my money back from COINBASE. 
I NEED HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My XXXX signed me up for a deferred payment without interest with Comenity Capital Bank for an XXXX from XXXX. I had my bank make the direct payment of {$200.00} per month which went to the company on a regular basis. Last month the amount owed was {$230.00} dollars but the bank only paid {$200.00} dollars as it had been set up two years ago. I tried paying the {$38.00} but was unsuccessful getting to the account to make payment. The company now wants to charge me {$1400.00} additionally because the {$38.00} dollars were not paid before the loan expired in mid XXXX.. The company did not send me a notification of the loan expiration date and two years later it is unreasonable for them to think that I had that date present on my mind, especially during the time of crisis in our country, I have contacted them several times and they are not helpful. Their XXXX  score is # 1, which explains their behavior, I need your help trying to resolve this unjust matter. I am a responsible consumer with a credit score of over 800. Thank you for your assistance with this matter.! XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After being told by my mortgage lender that my Equifax report is blocked I began on the journey to fix the issue. Fast forward 2 months later I am still not able to have my lender pull my credit file even after following instructions of Equifax.  I have faxed Equifax personal information on 2 separate occasions, XX/XX/XXXX & XX/XX/2019.  Equifax will not give me any information about my file or why this is happening. I am very frustrated and upset because this might make me lose the home that I am set to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: CITIBANK, N.A.
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:
CBNA Inquiry : XXXX XXXX, 2016 I never authorized nor was I interested in obtaining credit with any company associated with this creditor ( Citibank ). I called the company over 2 months ago and was assured this inquiry would be removed because my information did not match their records but this hard pull has not been removed yet. I waited enough time for this issue to be resolved already. Your assistance will be greatly appreciated. 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 2017-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XXXX/XXXX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I applied online to open a HSBC Advance Checking account and also made a deposit of $XXXX. The account was opened to satisfy HSBC’s new checking bonus of $XXXX. The terms and conditions included:Open new HSBC Advance checking account by XX/XX/XXXX.Deposit a minimum of qualifying balance of $10,000 or more in new money in combined checking and savings accounts within 30 calendar days of account opening.Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance.Supposedly I was to receive the $XXXX  bonus 6 to 8 weeks after the completion of the 90 days period. Technically, by XX/XX/XXXX, I had satisfied all the requirements. Two months had passed and by middle of XX/XX/XXXX, I still had not received the bonus. I contacted the bank via live chat to inquire the status of the bonus. A customer service representative (CSR) indicated that the bank would start the investigation. Since then, on numerous occasions, I have contacted the bank either via live chat or telephone calls to inquire status of the investigation (case# XXXX). In XX/XX/XXXX, I was able to speak with a supervisor level CSR by the name of XXXX. He ensured that the issue had been escalated and the bank would send me an update in the next 2-3 days. It did not happen. So I tried to contact them via live chat was able to get through XXXX, on XX/XX/XXXX. He again promised me that he would send me an update in 2-3 days. On XX/XX/XXXX (not 2-3 days promised), I finally received a response from the bank indicating that the investigation is still on-going and a response will be sent to me in 2-3 days. It is now XX/XX/XXXX, and I still have not received a response. I’m very tired of HSBC’s false promises and delayed responses. After more than 8 months of the money being deposited into HSBC’s checking account, and 5 frustrating months after meeting all the requirements, I still have not received the bonus of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
been a victim of fraud have numerous inquires on my report that was dismissed and then added back years later contacted XXXX and XXXX they asking for another police 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 non-monetary relief
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
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:
Reporting inaccurate information on my consumer report. Even after I have made a plethora of attempts to inform them of this violation, they continue to show inaccurate information on my consumer report and choose to stay in violation of my consumer rights. 

They continue to give me cookie cutter responses and show the account XXXX as verified. 

When I exercised my rights under FCRA 611 A ( 7 ) and requested a complete breakdown of the methods they took to undergo this investigation, who they contacted and the actual steps they took to verify this, I also demanded to be provided with the original contract bearing my signature, when I confront them and ask them how they can possibly verify this and other credit bureaus who actually took the proper steps did not verify and so then complied and deleted this inaccurate item, they do not respond. 

They must delete this inaccurate account and comply to stop being in violation of my consumer rights by continuing to negligibly report this inaccurate information on my consumer report even after being made aware.

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 2019-02-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had over {$400.00} used from my debit card through chase. I filed a claim right away and filed a police report, the claim was denied twice. I dont feel like they genuinely care or did an investigation and thats a lot of money for me to lose, not chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the date shown below : XX/XX/XXXX/XX/XX/2018 - 30 days marked late! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. And to reconfirmed I actually went to local branch and asked exactly how much i owed and they mentioned that I was all caught up. I honestly dissatisfied right now with bank of america consider i have a stellar relationship with them and I would like to continue as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My credit reports shows a bank loan, paid off months ago, as still active. This caused a DENIAL of Credit on a new loan. I called Experian TWICE and after being ON HOLD for 20 and 50 MINUTES, respectively, I'm told " they're working on it ''!! BUT, NOT RESPONSIBLE for " inaccurate info FROM LENDERS ''! WHY NOT? You report it as GOSPEL!! Filed online dispute which was REJECTED as 'unsolvable Online ' THEN why HAVE Online?? WHAT if some DON'T HAVE ONLINE access to start with?? IT becomes excessive wait-time phone " required '' calls! I want the GOVT to take action to see that : ( 1 ) Consumers don't WAIT A LIFETIME on Phone for URGENT complaints. ( 2 ) Phone bank personnel must speak FLUENT English! ( 3 ) Email addresses MUST be provided with each Dept requiring issue { s } RESOLUTION! ( 4 ) The above is tip of iceberg in today 's " Customer Non-Service Era '' ESPECIALLY GIANT businesses such as Banks and XXXX!! THEY MAKE Billion $ OFF Americans and wont PROVIDE real CONTACT PROVISIONS! LAW ( s ) must be enacted, AND enforced, to correct Arrogant Avarice.. THEY HAVE plenty OF $ $ $ TO hire adequate staff! Don't believe it's possible? Check any BIG company website and SEE FOR YOURSELF! 
My daughter going through SAME with XXXX! FIND A VALID email or DIRECT HUMAN contact phone there! And its about FRAUD {! } on her ACCOUNT!! PERFECT Example! NO REAL " CONCERN '' for their SYSTEMS ' failures! They " GOT THEIR MONEY ''!

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 2018-02-28
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The week of XX/XX/XXXX I received a XXXX form from US Bank. It was a suspicious form because it was fairly nondescript, included a withholding amount but not an income/interest amount, and because I do not have an account with US Bank. I have only the US Bank REI Credit card. 

On XX/XX/XXXX I used a phone number I found online for the company, because I did not want to call the number I received on a suspicious form. The individual who answered the call ( the person I initially spoke to ) indicated that I should call the number on the form. I repeatedly told her that the form was suspicious for the reasons listed above and I was concerned about this being a scam. After telling me two or three times that she was " sure I should just call the number on the form, '' only then did she mention that she was not from customer service. I asked her to connect me to customer service. I spoke to a customer service representative who was very cordial who told me that the XXXX was sent out in error and that I would be receiving a corrected one " soon. '' I thanked the representative and got off the phone. 

I proceeded to search for any mention of this error online on the US Bank site or elsewhere to see what standard advice I could find. Nothing was posted anywhere about this issue, even though the representative told me that many customers were affected. 

I received no corrected letter, and became concerned because it is tax season and I need to proceed with filing taxes. On XX/XX/XXXX I called US Bank again. I again spoke with another representative who did not originally know about my issue, but put in the effort while I was on hold to find out. She then came back and said that " only today '' the company had decided that corrected letter would be sent out to anyone affected, and that I should receive one in 7 days. I found this interesting since I was told a month prior that I would be sent a corrected letter. 

To date I have still not received a corrected letter. I believe prompt resolution is important during tax season for an erroneous tax form. To date, there is still no notice on the bank 's online site about this issue or anything that would give affected customers peace of mind.

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