BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is an update to a previously submitted complaint ( XX/XX/XXXX ) regarding multiple violations during the mortgage refinance application process and refusal to properly release the appraisal. I have an updated request due to the time limitations ( if action is not taken soon, appraisal will expire ) as well as Wells Fargo 's failure to communicate in a timely manner. Per my last conversation with Wells Fargo representative on XX/XX/XXXX, I was to receive an update by XXXX on XX/XX/XXXX. That did not happen, adding to the pattern of habitually late responses. Therefore, if appraisal is not completely released ( per guidelines already discussed with Wells Fargo ) before it expires, I am seeking financial damages in the full amount paid for the appraisal.

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 2019-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I open a Credit Card with Bank of America in XXXX. I paid the Debt in  XXXX and closed the account but it is still showing as a delinquency on 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 2022-08-11
Company: CBC Companies, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 I have two inquires for a home refinance ; according to your rules this was refinance 0n my current home and they happen in the 45 day window I should only have one inquirey.. 

Companies involved 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I forwarded a Certified Letter to Transunion Consumer Solutions Disputing the Validity of a Collection account listed on my most recent Credit Report. 
Collection Account - Creditor : XXXX XXXX - Date opened - XX/XX/XXXX. Original Creditor XXXX XXXX XXXX XXXX 
( XXXX - debt buyer ) I also attached a page from an older Transunion Credit Report which was dated XX/XX/XXXX showing a line item XXXX XXXX XXXX  with a last payment date XX/XX/XXXX. XXXX ( XXXX XXXX ) - showing the same account number as the XXXX XXXX account listed above. 
( this account had since dropped off of my Transunion report and the Collection account was added ) I advised that I did some research of my own and was aware of XXXX XXXX XXXX Deceptive Practices and this appeared to be one of them ; False Credit Reporting ; Re-aging an already existing item and that I was aware that this practice was ILLEGAL and it had a severe negative impact on my Credit Score. 

In addition I advised I was aware that XXXX had to pay a {$3.00} XXXX penalty to the CFB 's Civil Penalty Fund, that it Must stop selling debt that it can not verify and that XXXX sent inaccurate information to debt buyers when it sold off credit card debt and used law firms that Altered court documents. 

I also let Transunion know that I was aware of the article on the CFPB website dated XX/XX/XXXX that Transunion must provide more than {$13.00} XXXX in restitution to affected consumers and {$3.00} XXXX to the Bureaus Civil Penalty Fund. 

Transunion came back with the following : Your Investigation Results : XXXX XXXX Information Updated, Verified as Accurate and Updated. 

I do not feel that Transunion has Accurately reviewed the contents of my Certified letter and attachments. 

It was made extremely clear in my letter, that this debt buyer ( XXXX ) has engaged in the act of False Credit Reporting Re-Aging. 

XXXX BOUGHT XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX! 
I DID NOT sign any agreement with XXXX/XXXX. 

The above is a clear example of REAGING with the INTENT to severely damage a CREDIT SCORE by adding a NEWER line item and RESET a Statute of limitations. 

Transunion has permitted this to occur by not properly monitoring reporting practices.

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 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
I went into XXXX XXXX on XX/XX/XXXX to make a shoe purchase that I was unable to make online as I was having several issues when ordering and the rep advised that I go inside to place on order. When I went in the store did't have the shoes I wanted on hand and the cashier stated she could order them and ship them to me and at that point I paid for the merchandise in store and they stated it would arrive within 2 to 3 business days. After a few days past and I didn't receive the merchandise, I contacted XXXX XXXX to see where the merchandise was and they stated it was shown as delivered. I advised them at the time that I never received the merchandise and they stated that I would need to call XXXX to initiate an investigation which I did. XXXX finished their investigation and stated that they showed it as delivered and left on the porch ( although I previously advised them not to because I had issues like this in the past ) but their was no package to be found. They told me to contact XXXX back and advise them that their investigation was completed and to have them issue a refund or merchandise. I called and requested that they re-send the merchandise and they stated they could only offer a refund and I would need to re-purchase. They initiated the refund for merchandise not received and sent a confirmation email showing that the refund was processed, but after several days of not receiving the refund I contacted Bank of America to start a dispute because I never received the refund they promised. It took 6 months to get a 1st response from BOA stating they were denying it because I went inside the store and made the purchase and they stated that merchandise was obviously received because I made the purchase in store. I then advised BOA, that I did in fact make in in store but never took the merchandise as they had to deliver via online because the stock was not available. At that point they re-investigated the claim with that information and I also forward the the actual email confirmation from XXXX XXXX of the email that was sent to me showing that the return process had been initiated but once again the funds were never disbursed. I received a letter from them again on XX/XX/XXXX stating that because I went inside the store and made the purchase, they were unable to refund my money although I NEVER RECEIVED THIS MERCHANDISE! This is insane, I cant afford to pay for merchandise I never received and I never had or received these items how can I ve held liable for these transactions?? Please investigate this matter and advise me of my options as this whole process seems corrupt and unfair, please help 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 2017-11-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is not helping me over the phone and are not correcting errors needed

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 2018-03-20
Company: CITIBANK, N.A.
State: OR
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:
I have had the same Citibank Bronze card since earlier XX/XX/XXXX. In XX/XX/XXXX the card was compromised and needed to be replaced. I went to use my airline miles that I have been intentionally accumulating on this card, when I was informed there is no record of my miles from XX/XX/XXXX-XX/XX/XXXX from the original card. ( I booked a trip to XXXX XXXX during that time, which really racked up some miles! ) I called Citi Bank and they conferenced in the rep from XXXX XXXX ( their partner sponsoring the miles ). I was in tears! They assured me they would find my miles. Yesterday I got a letter from them that I had some how forfeited my previous miles when they replaced my card for me in XX/XX/XXXX! There was never ANY mention of that at ANY time. I went to book a trip next month with my miles, and half of them are gone. I feel completely robbed. Never did anyone mention this -- -I wouldn't have done that. Someone made a mistake and their and they need to right it. 
I appreciate your involvement in this scam. I did NOT change card programs, I simply had my card replaced.

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 2022-08-11
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An unauthorized withdrawal at a Citi bank teller ( in the amount of {$25000.00} ) took place on XX/XX/22. This was a fraudulent withdrawal and overdrew the account. I first noticed this activity on the evening of XX/XX/22 when i went to withdraw money from my account. I notified Citi as soon as i noticed the fraudulent withdrawal. I was provided with a case # and was told i would be contacted within 24-48 hours. No one contacted me regarding the incident by Wednesday XX/XX/22, so i called back to inquire about the status of the withdrawal and was told that the case was still being investigated and there was nothing further to share. I then called back on Friday XX/XX/22 and after escalating to a manager twice, i was given a new case # as the representative said the original case did not adequately flag the transaction as fraudulent. I was not given any further details regarding the withdrawal and I was informed that it could take 30-90 days to resolve my case. Citi then sent me an indemnification request to indemnify them of any further fraudulent activity on the account, which i did not sign. I called Citi again on Sunday XX/XX/22 to inquire on the status of my case and was told i would receive a call back ( which never happened ). I called back on Monday XX/XX/22 and it took over 1 hour to speak with someone regarding my case. After speaking with them, they created yet another case number and i was told again that it would take 30-90 days to resolve this. At no point has Citi ever provided me details of where the withdrawal took place or any other details so i could inform local authorities of the fraudulent transaction. Citi has never called me back regarding this dispute.

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 2019-04-26
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX RMP LLC XXXX XXXX XXXX XXXX. In XXXX XXXX RMP- # XXXX Creditor Number XXXX- XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX TX XXXX XXXX While trying to obtain correct balance of a debit that XXXX XXXX XXXX XXXX XXXX XXXX. for medical services dated XX/XX/XXXX, that was never sent to me until XX/XX/XXXX. They forward to RMP LLC collection to immediately place on my credit report public records to force me to pay something that balance was wrong. Instead of working with me to correct the issue. RMP refused to request from XXXX XXXX XXXX XXXX XXXX XXXX documentation for the correct amount. I had to research of the information for RMP and XXXX XXXX XXXX XXXX XXXX XXXX. Thru XXXX XXXX XXXX XXXX ( XXXX ) of TX that XXXX XXXX XXXX XXXX XXXX XXXX was paid for their services under XXXX contract amount. Then XXXX XXXX XXXX XXXX XXXX XXXX, then forwarded the rearming balance requested by XXXX XXXX XXXX XXXX XXXX XXXX. Of {$2.00}, XXXX on XX/XX/XXXX after submitted at the request of XXXX to filing on my XXXX claim with my auto insurance XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Then sent update to RMP that I was correct and did not owe {$4500.00} but {$2100.00}. RMP employee stated payment number XXXX confirm payment, identified herself as XXXX and Manager identity himself as XXXX since I was correct about not owing that original amount and paid the correct amount, stated they would email me a letter saying the debit was paid in full and remove the collection from credit file. As of XX/XX/XXXX, I never received the letter stating debit was paid, nor did they remove the collection from my credit file.This is an example how collection agency uses the credit report system to file derogatory marks to force people to pay something they do not owe. Then after agreeing to the error they never remove the derogatory marks from the person credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi there, This issue is one Coinbase 's priority issues ( delayed payments ). When I changed my phone number associated with my Coinbase account in XX/XX/XXXX, my pending transactions to buy Ethereum and Bitcoin got cancelled. I did not receive the cryptocurrency, and I did not receive a refund. I was supposed to receive my refund for two transactions that have been cancelled within 3-4 business days according to the E-mail I received, but after > 3 months, I have not received anything.

The transactions that were cancelled were : - OnXX/XX/XXXX, I ordered XXXX   BTC for {$500.00} USD.

- On XX/XX/XXXX, I ordered XXXX ETH for {$500.00} USD.

These transactions have taken money from my bank account, but has not yet been refunded. I have emailed Coinbase Customer support many times, and I have yet to receive any help. I was told a " specialist '' would be looking into it months ago, but I have been emailing them since about it, with no response.

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
OnXX/XX/2019there was a hard inquiry on my Transunion credit score from XXXX  XXXX XXXX XXXX XXXX. I did not apply for any Credit Card as I just completed a Bankruptcy in XX/XX/2019. I called the phone number that came with the hard inquiry from XXXX XXXX. The lady there told me to call Transunion. So, I proceeded to call Transunion. The lady there explained the deletion process. I was to call XXXX XXXX back and get a " Letter of Deletion '' from them. Once I received that, then I was to send that with a letter of Authorization to Transunion : XXXX XXXX XXXX, XXXX, PA XXXX, and to make sure that I include my Name, address, last 4 of my SS #, and the File # XXXX. So, I call XXXX XXXX  back. First I get XXXX - she was unable to help me at all so I asked for a supervisor. I get XXXX on the line and he proceeds to tell me that he can not give me a letter as this is a known issue between Transunion & XXXX XXXX - he called it " Naming Table Translation ''. I have no idea what this means, but again, I was told to call Transunion. So, one more time I call Transunion. I speak with XXXX. I again get the same story but he is going to mail me a copy of my Credit Report ( not sure what that will do ) - you need to call XXXX XXXX. I am so frustrated at this point. I do not have any documentation other than my Credit Report showing the hard inquiry.

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-10-02
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, I got a loan in the amount of {$2100.00}. It is now XX/XX/XXXX and decided to login into my account to see how much principal was left on the loan and its {$2100.00}. Only {$57.00} paid to principal in the last year. Ive made all my payments on time, {$58.00} every 2 weeks. Something can not be right with this loan. I feel as though Ive been getting robbed for the past year. I do not understand. 

My fianc has a loan with NetCredit as well within the same timeframe. In XX/XX/XXXX, loan amount {$3000.00}, now in XX/XX/XXXX, principal is only down to {$2900.00}. Her payments are {$78.00} every 2 weeks, never missed a payment. 

Please help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX, I became a customer of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX ; Missouri ( XXXX ). On XX/XX/XXXX, I filed a civil complaint with the XXXX District Court of Missouri located XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX, United States. Details of the complaint filed with the XXXX District Court of Missouri can be found by following this link : XXXX XXXX XXXXXXXX. When I filed a civil complaint with the XXXX District Court of Missouri, I proceeded in Forma Pauperis because of my inability to pay court proceedings. Representatives of the XXXX District Court of Missouri have afterwards requested for my financial records via postal mail they have sent to me. On XX/XX/XXXX ; I contacted XXXX XXXX  via e-mail and asked that they mail all financial records they have of me to the XXXX   District Court of Missouri. XXXX XXXX  have not responded to my request. I was previously also a customer of XXXX  XXXX XXXX. I created a checking account with XXXX  XXXX XXXX in the summer of XXXX. I was also a customer of Wells Fargo. I created an account with Wells Fargo in XXXX - XX/XX/XXXX. On XX/XX/XXXX ; I have filed bankruptcy with the Department of Justice ( Executive Office of the Trustee ).

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 2021-05-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Information belongs to someone else

Complaint:
Recently decided to pull my credit report since trying to purchase a home and hired a monitoring service. I noticed addresses on my credit report that are not mine. I asked for the information to be corrected. I was then sent a noticed that my requested was not my own. I sent them my photo Identification and proof of address via a bank statement. 
My letter stated that this information is incorrect and should not be attached to my profile.

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