BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, I opened a checking & savings account with Citibank on XX/XX/21. I wire transferred {$200000.00} from my other bank to my new Citibank checking account. Last night on XX/XX/21 I could not log into my accounts to check if the wire transfer cleared. This morning on XX/XX/21 I called Citi & they told me they closed my account. They did not specify a reason. They said they would issue me a refund check in 30 to 60 days. I do not think it is right for Citibank to hold my money for so long. I in good faith deposited my money into their bank & this is how they treat me. They get to play around with my money for 2 months if they choose to.

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 2021-09-03
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a Discover prepaid card and was approved on XX/XX/XXXX. They withdrewthe deposit on XX/XX/XXXX and opened the account on XX/XX/XXXX. After approval and before even receiving the card they asked for more information on the XXXX. This ended up including a tax form plus a notary form. They said it was for identity verification but did not explain that it included 3 months of my personal account balances. I received the card on XX/XX/XXXX and assumed the tax form was enough. When I tried to use the card I found out it had a soft hold on it. At this point I felt deceived and misled and once I saw the form and what it asked for, I refused to submit back balances to have a non-working prepaid credit card. During the whole process I was switched to different people, none of whom could provide answers or anyone who could. Discover planned to close the account on XX/XX/XXXX but forced me to close the account in order to speak to a higher representative. I said I just wanted the account closed so I could get back my deposit. They closed the account " at my request '' knowing this would prevent any further action from me about the account. When I contacted the XXXX  Discover reached out and sent the refund, but also said they would look into the issue of how this whole ordeal damaged my credit. They've never addressed this issue. They've never contacted me as promised, and when I contact them I get the usual spin. They only damaged me, they never even gave me a card I could use once, but kept my money for almost 2 months, earning the interest I could have earned. I have only been damaged by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried to transfer XXXX $ XXXX from my XXXX wallet to my XXXX wallet. In order to send $ XXXX, you must enter a valid $ XXXX crypto address and a valid $ XXXX Memo ID. Unless you successfully enter both of these numbers, and XXXX validates both of them, then XXXX will not allow the transaction to go through. As in, the Withdrawal Button will not turn blue and allow you to click on it until you first enter both of these numbers and receive messages in green stating the numbers are valid. 

However, the transaction was somehow processed with a missing memo, thereby never made it to my XXXX wallet. I spoke with XXXX multiple times, & they advised me there's nothing they could do on their end, at least not for 30 days. I have tried contacting XXXX for over 2 weeks now and have not received a single response!!! 

This transaction is worth over {$2000.00} and is too much for me to lose access to. I can not believe XXXX won't even return a single message when they are supposed to be a trusted, publicly traded company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22
Company: FISERV INC.
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:
On XX/XX/20 I received a letter from TRS Recovery Services regarding a check number XXXX for the amount of {$190.00}. This check was written to XXXX. 

I called TRS and told them that I had not written any checks to XXXX and asked them to send me a copy of the check and a copy of the ID used to write the check. They refused but did provide me with the Account Number and Routing Number over the phone. The routing number ( XXXX ) is for XXXX in XXXX  XXXX. I called the bank and was told that account ( XXXX ) was closed for fraudulent activity. They would not tell me any more. 

I have contacted TRS repeatedly and relayed all the information above, several times. They continue to send letters demanding payment.

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 2020-12-22
Company: U.S. BANCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sent a check to pay off my auto loan in full, which US Bank cashed on XX/XX/20. After over 4 months had passed and I never received my title, or even any communication or acknowledgement from US Bank I reached out to them to see what was going on. 

I called them on XX/XX/20. I spoke with someone ( XXXX ) who told me that they would electronically release my title with XXXX. She told me that I may need a " Release Letter '' to take to XXXX to get my title and that she would have this sent in the mail to me. I never received anything in the mail or heard anything further from US Bank. 

I called again on XX/XX/20 and spoke with XXXX. She told me that the bank had never received my title, and that maybe the dealership didn't provide it to them, so she said that maybe US Bank never had a lien on my car and recommended I contact XXXX to confirm. I emailed XXXX, and they confirmed that US Bank is the official leinholder on my title, and that US Bank needed to file the electronic title release. 

I called US Bank again on XX/XX/20 and spoke with XXXX. I told him that XXXX said US Bank needed to release my title. He told me that he would " escalate '' my situation to management, and that someone would reach out to me in 24-48 hours and that a letter would be sent to me by mail. I never heard anything further and nothing ever arrived in the mail. 

I called US Bank again on XX/XX/20 and spoke with XXXX. She told me the same thing that XXXX had told me back on XX/XX/20 - that the dealership may never have given them the title. I hold her that this is not what XXXX is saying and that I wanted to speak with a Supervisor. She told me that her Manager ( XXXX XXXX ) would call me back shortly to discuss. I made very clear that no one at US Bank has followed through on anything over the last 3 months, and she assured me that XXXX XXXX is very good and would absolutely call me back. I have not heard anything. 

At this point, US Bank has essentially stolen my vehicle. I paid my loan in full over 6 months ago, and they will not provide me with my title. After calling on 4 separate occasions and getting nowhere, I don't know where else to turn? They should be held accountable for this atrocious behavior.

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 2021-02-16
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
About 11 years ago I owed about {$68000.00} in student loans as went threw a divorce I had to use deferment options because I wasn't able to pay. I never went into default and used options to lower my payments but because of payment reductions and for forbearance 's over the years my balance is now over {$300000.00} dollars with interest and fees. My employment status has changed in the past 3 years and I am now able to make payments. I can't afford the standard payment amount on that kind of money nor will I ever be able to pay that back. I offered to sell my home and give all of the money made which would only be about {$40000.00} and find a way to pay the difference of {$28000.00} from the original amount to them but they said they can't settle the loan for a lower amount. because of what the loan was increased to i was turned down for a mortgage and do not qualify to make any significant purchases. My fiance and I was looking to purchase a home together but I don't qualify because of a {$300000.00} debt. I am upset that the only reason that I can't move ahead in life is because of a student loan balance on my credit report. If I defaulted on it is one thing but because of the interest and fees my life is at a standstill. What can I do to resolve this issue?? Thank You!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services, LLC illegally charged an insurance coverage in my property taking more than {$1600.00} premium from my escrow account. There have been insurance coverages in XXXX and XXXX. The alleged to want HO6 coverage, which is basically content coverage that is no more than {$7000.00}. Rushmore certificate received a week ago states coverages for {$170000.00} insurable values. This amount is the loan amount. Insurance for replacement costs existed and exists in the property. HO6 only covers kitchen cabinetry and bedroom that in an 800 sqf condo is no more than {$7000.00}. Even charging for insurance more than replacement costs is illegal. Rushmore needs to refund the {$1600.00} premium illegally charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent a hand written letter to Transunion stating that fraudulant activity had taken place on my credit report and hard inquiries have been placed that do not reflect activity I authorized. I listed each hard inquiry in the letter as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I included a copy of my FTC fraud filing that I was required to send to prove I filed a complaint of fraud. I was told once I send those items the fraudulant inquiries would be removed in 5 business days. I sent everything via certified mail on XX/XX/XXXX. The letter I received back on XX/XX/XXXX was a letter describing what a hard inquiry is with the definition and listed it was in reference to me wanting an explanation of what a hard inquiry is. The letter and documentation I sent was clearly not a request to know what a hard inquiry is and is exactly what the Transunion representative asked for when I called XXXX. I followed the exact procedure requested of me for these removals and am being denied my right to an accurate credit report. TransUnion is reporting fraudulant inquiries on my report that I want removed immediately. I am including the letter I sent with my file number as requested per a transunion representative and the ridiculous response they returned 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 2018-01-04
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXXI requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of NELNET. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Was not notified of investigation status or results

Complaint:
I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: ID Analytics, Inc.
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to the XXXX  used car lot in XXXX Louisiana. It's been a while since I had. Like less than 2 years. I DIDN'T get a car not loan. It's has me as having a loan for a car an neither of them I was informed about. I'm trying to get a place to live and my credit is the reason to why I can't get a roof. I have a XXXX year old XXXX. Help me with the process of getting us a place to live. Please and thank you.. 
2020. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: U.S. BANCORP
State: CA
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:
My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now US Bank and now sold as debt to XXXX XXXX, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However U.S, Bank claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at XXXX XXXX was started on XX/XX/XXXX,  according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by US Bank to illegally extend the time limitations for almost 4 extra years. I called U.S. Bank recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now XXXX XXXX is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.

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 2021-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An item appeared negatively effecting my credit report regarding an account of which I had no knowledge. My expecting fiance and I were denied housing because of the derogatory marks on my credit. This account was opened fraudulently. Ive asked that the item be removed from my credit report simply pending further investigation into the matter. At this time no steps have been taken by the company to allow for such and legal counsel has been obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
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: Their investigation did not fix an error on your report

Complaint:
I finally got the non deniab fact, and proof of it. XXXX XXXX who am complain about sent me the paperwork I needed. Turn out it was a bad check that they are trying to recover for. California has a statue of limitation of two years on checks, and bad checks do n't belong on my credit report. Thank heavens I did my own investigating on this matter.

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 2022-08-12
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Recently, in XXXX, I paid off a low balance credit card. XXXX weeks later, I received an email from the credit card that my account was closed. I immediately contacted customer service and asked, why? The representative was rude and refused to answer my inquiry, and just said we closed it and thats it. I asked to speak with a manager and the rep said, no you can not and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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:
the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: BARCLAYS BANK DELAWARE
State: MO
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:
XXXX is blocking me from enabling external applications. 

It is my understanding that The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly by giving access to financial data. I have already sent a message to XXXX and hope that you will enforce as well that they need to give me access to my financial data.

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 2021-11-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX, XXXX XXXX, XXXX, Victoria Secret, all during COVID did I have trouble paying, I was in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX XXXX  I submitted an application with Carrington Mortgage Services . Throughout the process I have been totally transparent. All income information was submitted and verified by 1099 's, W-2 's and pension statements. I meet all requirements of credit worthiness. I have been in my home since XX/XX/2003 and not delinquent on my payments. I have more than {$220000.00} equity in my home. The home is valued at XXXX the existing mortgage is {$100000.00}, I requested a refinance for XXXX. I have been undergoing the loan process for approximately 90days and no closing has occurred. There were some hiccups along the way, but all have been rectified by being fully cooperative. Today ( XXXX ) I received a letter from Carrington Mortgage stating that my application has been withdrawn citing no reason for their actions. I called the company to speak with the loan officer and underwriter, the results were negative. I am angered because I began this process when the rates were low ( 3.625 % ), now they have reached almost 4.75 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Convergent Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection account I believe was paid. In order for them to remove I just paid reduced balance but they still will not remove XXXX  or update my payment.

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