BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
Company: CITIBANK, N.A.
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:
I opened a checking & saving account on XX/XX/2018 and funded my account with $ XXXX on XX/XX/2018 so that I will receive {$400.00} cash bonus as their promotion stated. By end of XXXX, I haven't received my credit. I have tried calling and visiting branch, and they have changed the date that I would receive my credit. They initially promised that i would get it in mid XXXX, then early XXXX and then End XXXX, as time went by. The last time I went to the branch on XX/XX/XXXX, I was told I will get it in end of XXXX On the fine print, it clearly states the cash bonus will be credited to the new checking account within 90 days from the date i complete all offer requirement. I completed the requirement on XX/XX/XXXX and I should receive by XX/XX/XXXX. Today is XX/XX/XXXX and I haven't heard back from them after submitting a complaint nor receiving the cash bonus. 

Attached is the my bank statement showing that i have funded $ XXXX, their promotion material, fine print and new account opening doc.

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 2021-05-03
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Plusfour is trying to collect a debt of {$5.00} that was paid. I sent them a copy of my check for XXXX $ paid to XXXX XXXX. I contacted XXXX XXXX and they told me I had no balance owed. I want this XXXX  $ removed from my credit report. It was from XXXX. I disputed with XXXX and still no results.

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 2018-01-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired $XXXX to Coinbase on XXXX XXXX. Up until today (XXXX XXXX), it never credited to my account. I sent multiple emails only to get automated reply. I called them, and waited for 90 mins without talking to any humans. I submitted IMAD reference number so they can trace that my money has been deposited to their account. I created case number #XXXX and #XXXX. However, no one from Coinbase is helping me or even trying to help me. The money is just gone.

This is a pure fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Child support is still showing on my credit report, however the credit agencies should not be reporting such .Reason being is I have a court order inwhich states these facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I have had XXXX Rewards and XXXX Rewards Club cards for many years. They are managed by Chase bank ( Chase.com ). Over the past month Chase did not allow me to see my transactions or pay my bills over the internet. I am sure they are dong this to bill me late fees as no one in the organization can answer any of my questions as to " what is going on ''. They are blocking me from their payment site. I am not sure if they discriminate against all XXXX   seniors or just doing this to collect additional fees. I appreciate any help in resolving this issue, other wise my only actions are legal discrimination suits. In the past week I have cancelled my XXXX Rewards card and most likely do the same with XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a Citi Prestige card. I rarely used the card, so when the annual fee of {$450.00} came due in XX/XX/2018, I called Citi to inquire about switching the Prestige card to a free card with no annual fee. Citi said that I could switch to the Preferred card for no fee and could get my roughly XXXX Citi ThankYou reward points transferred from the Prestige card to the Preferred card. Citi closed the Prestige card and sent me a new Preferred card. However, the {$450.00} fee from the Prestige card appeared on my Preferred card balance for XX/XX/2018. I contacted Citi multiple times through several different communication channels asking why the fee was posted to the Preferred card and if I needed to pay it. I specifically mentioned my concern with potential negative credit reporting consequences. Multiple Citi representatives told me that it was fine, the fee would be removed, I didn't need to pay it and there would be no negative credit reporting. Eventually, in XX/XX/2018, the fee was removed. However, Citi is currently reporting that I was 30+ days delinquent in XX/XX/2018. I've followed up with them several times to no avail. In addition, the XXXX reward points -- worth several hundred dollars -- were not transferred to the Preferred card as promised. I would like my credit report fixed and my ThankYou award points restored. 

Note : this is not the first time I have had problems with closed Citi accounts and credit reporting. This appears to be a systemic issue for Citi and their customer service is woefully lacking.

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 2018-04-21
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through XXXX XXXX which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX credit for a student loan refinancing opportunity due to a negative account. After looking at my XXXX XXXX report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for Transunion and XXXX for XXXX. Noticing that XXXX  was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This Mortgage account was paid on time and never late. I was made aware the mortgage was sold to a new lender via USPS and did exactly what both lenders advised me to do. I assume this was reported as late due to an admin error. They reported a payment as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Last minute requests for more documents then hitting me with lock rate extensions. I applied for the loan and locked my interest rate. At the end of the rate lock Wells Fargo would ask for more documents and I would give them to them and they would have to extend rate lock and try to blame me and charge me for rate lock extension. This went on and on with up to 5 or 6 rate lock extensions until I finally let them know that I would not pay for the last rate extension. I was told that they would let me know what they were going to do. They did not let me know until I called them a week later. Thats when I was finally told that someone from the complaint department would get back with me. That was over 10 days ago and I never heard from them again. The loan I applied was a no brainer as I have banked with Wells for years, my wife and I have great credit with over 800 credit scores, and we were refinancing and paying the 1st down by about {$40000.00}.

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 2018-06-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I CONTACTED WFHM REGARDING A FINANCIAL HARDSHIP THAT WAS APPROACHING TRYING TO PREVENT FROM BECOMING BEHIND ON MY MORTGAGE. DURING THE PROCESS I DID NOT AGREE WITH THE PACKAGE THEY PRESENTED SO I DID NOT ACCEPT THE OFFER. DURING THIS TIME I COMPLETED MY REGULAR PAYMENTS HOWEVER I WAS NOT ABLE TO MAKE MY PAYMENTS ONLINE WHICH IS MY NORM. DURING THIS TIME WELLS FARGO DID AND PROCESSED ANOTHER ESCROW ANALYSIS. THE ANNUAL ECROW ANALYSIS STATEMENT DATE WAS XX/XX/XXXX THEN ANOTHER STATEMENT CAME OUT ON XX/XX/XXXX, LESS THAN 30 DAYS LATER. 


HOW IS THIS LEGAL? I DID NOT SWITCH INSURANCE PROVIDERS ... NO ONE FROM THE ESCROW DEPARTMENT EVER REACHED OUT TO ME EVEN AFTER I REQUESTED A CALL BACK FROM MANAGEMENT. 

I DID NOT ACCEPT THE REFINANCE OFFER BECAUSE THEY WANTDE TO MANIPULATE MY PAYMENTS TO HAVE IT APPEAR THAT I WAS 3 MONTHS BEHIND ON MY MONTHLY PAYMENTS WHICH IN THE LONG RUN IS NOT HELPING ME OR MY FAMILY ... .IT WOULD ONLY DAMAGE MY CREDIT AND SINK ME INTO A DEEP PIT OF DEBT.

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 2020-01-21
Company: La Casa Bonita Investments
State: NY
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:
I have been with 1file.org for two years was going on three. Before coming to an agreement of consolidation, I asked did they provide the loan debt forgiveness program. I was told the positively offer loan forgiveness. I made a large first payment then {$39.00} a month. I recently received an email two months ago to not make payments to this company due to legal actions. Come to find out they wasnt certified to offer loan debt forgiveness. I made a payment {$150.00} for recertification which was due XX/XX/2019. This became an issue being that I was thinking I was moving forward with a process to clear up this debt. Now I am trying to figure out how to recover the money they took from me which could of just went towards my student loan.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-12
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been going through this for a year now I do not have an account with net credit I have sent police reports of identity theft please remove this off my XX/XX/XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with lending tree, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the 2nd time transunion has violated my account. 

The first time they gave me a year free of XXXX. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2019-10-22
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that EDFINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to a new company in XX/XX/XXXX. We received a letter about this at the end of XX/XX/XXXX, and I called both my company and the new company, Shellpoint Mortgage, because the sale date was right after our mortgage due date. I was advised to send my payment as usual, and that there was a grace period for payments while the details were being worked out between the two companies. This information was also in the letter we had received. Our payment due in XX/XX/XXXX was sent and the check was cashed. We received a coupon from Shellpoint Mortgage for our XX/XX/XXXX payment, which I sent early. This check was also cashed. 

Today, these scam artists sent us a letter dated XX/XX/XXXX ( the due date for our mortgage payment ), but postmarked on XX/XX/XXXX. By this date our XX/XX/XXXX check had been cashed. Upon calling these rats, they claim we never paid for XX/XX/XXXX. I have all these letters. This is nonsense. I realize XXXX XXXX has been working to gut this agency in service of creeps like Shellpoint,  but please do your job and make them do right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I HAVE ADDRESS THATS ON MY CREDIT REPORT THATS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: The CMI Group, Inc.
State: AL
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:
Ive asked for verification of the account. Ive asked for an actual bill showing that I owe this. I asked for the exact date. Ive never been sent anything showing me that this is my account. The amount listed on my credit report is {$1400.00} and it said collection was opened in XX/XX/2017. Ive disputed this with the credit agency but it didnt do any good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am connected to CFPB complaint number XXXX, filed by XXXX XXXX XXXX, an issue concerning an incomplete lease contract for which I was the guarantor. The apartment community, XXXX XXXX   XXXX XXXX XXXX, FL, contacted the guarantee and told her that she had not completed a full lease and needed to sign a final copy of the lease in order for it to be complete and to be able to move in ( there is a voicemail and screenshot of the day the call was received attached ). Having been told by property management themselves that she never finished a required portion of the lease to be liable, she never moved in, nor did she receive keys to the property. 

However, XXXX XXXX XXXX falsely reported to the creditor, XXXX XXXX XXXX, that we had signed a full lease and were liable for the entirety of the rent, a claim the guarantee, XXXX XXXX was able to dispute with Transunion and get completely removed from her credit history. As the would-be guarantor and after filing a dispute over the same issue, Transunion would not remove this very same issue from my credit report. The claims were unfounded, and again, it is the exact same claim that was disputed and ultimately removed from the guarantees credit history. I am asking that Transunion remove this false charge from my credit history, since the other claimant involved in this dispute was successfully able to do so after being found not liable for the amount the property falsely reported to the creditor. The claim the property made was deemed unfounded by Transunion and the guarantee was found to owe nothing to the property, as should be the case for myself as the guarantor as well. The Transunion dispute number for XXXX XXXX is XXXX, and the notification sent from Transunion that the charge had been removed is also attached.

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 2018-04-21
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
Notified the company that the information being reported was not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for  your reference. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2018-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recov Assoc, Promise to remove the collection off the credit if I paid the settlement, which I did and it's still shows on my credit years after.

Company response to consumer: Closed with non-monetary relief