BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-26
Company: EQUIFAX, 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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter was sent to them last XX/XX/XXXX which includeds all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link :XX/XX/XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX Balance Owed : {$26000.00}

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 non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XX/XX/XXXXXXXX XX/XX/XXXXNA Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all 3 bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.

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 2018-01-05
Company: Medical & Professional Collection Services, Inc. NC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company MEDICAL & PROFESSIONAL COLLECTION SERVICES, INC has a collection claim for the amount of {$1400.00} on my XXXX credit report. I visited Indiana 's Secretary of State website to verify the company and while attempting to verify the company I noticed that the company 's license to conduct business in the state of Indiana has expired on XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX this collection agency is not currently licensed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an automatic debit come into my account that overdrafted it. I immediately transferred money from my savings account to my checking account to cover the amount. I was charged with a {$35.00} overdraft fee to my checking account and {$9.00} fee to my savings account. I asked the money grubbing, profit swilling XXXX at TD Bank to refund the charges and was told no. 

TD Bank made XXXX billion dollars in profit for the XXXX quarter of XXXX. In its announcement, it also cites benefits from the XXXX tax bill signed by XXXX. I got an extra {$20.00} a month from the tax bill. And this year, I had to pay more in federal income tax. But XXXX forbid TD Bank XXXX XXXX XXXX XXXX, who makes {$15.00} XXXX a year, gives back my {$44.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I resolved the problem after 6 months, I sent to them more than 250 pages of proof that we didn't make the purchase when we show one thing, they said another, and all the time they change the causes of the withdrawal, after 6 months, I, tired, to discuss and fight with them, I said that I will let the case with FDIC and the Consumer Financial Protection Bureau, and as by charm, the money in the next morning was in my account {$2900.00}, much money, and to prevent that this can happen to another person I am sending the happened to FDIC and CFPB. 66 pages from 250 pages.

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 2019-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We are closing on our home on Friday morning and just need the payoff information on my HELOC with Bank of America. I have called twice, buyer 's attorney has called and they are telling me it could be 7 days which is after closing, I would just like to request a 15 day payoff be faxed to the attorney 's attention at XXXX. 

This is crazy as I am trying to make full payment and their lack of response is not only causing me issues in potentially not closing on time but, also affecting our buyers having a home to live in come Friday. 


We just need the payoff information as soon as today if possible. 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 non-monetary relief
Consumer complaint received 2018-01-31
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX mortgage shows that we are 3 months down we have been caught since our filing in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

1. Billing error XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 




Sincerely,

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 2019-09-30
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received unwanted debt collection calls ( robocalls- ( XXXX ) XXXX ) from Citi in the first week of XX/XX/2019. 

Transcript : Hello this is Citibank calling with important account information on your Citi Bank Card but I'm going to read it is by no you open a minute to XXXX read and if this is XXXX XXXX   XXXX press one should you be disconnected at any time during this call we can be reached toll free XXXX if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I'm going to read it is by no you open a minute to XXXX XXXX and if this is XXXX XXXX  XXXX Press one if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I got. 
( https : XXXX ) On XX/XX/2019, I spoke to a Citi credit card customer service agent. He confirmed that Citi sent out automated calls to remind customers ' of payments. 

I have not given Citi permission to call, and I have asked to be removed from your list. TCPA law prohibits telemarketers, banks, debt collectors and other companies from using robocalls to call you on your cell phone. Companies that violate the TCPA can face lawsuits and other penalties. Violations of the TCPA include : Robocalls to cellphones Telemarketers and solicitors can not call your cell phone using automated pre-recorded messages or robocalls. 

I'm sending this letter to stop receiving future robocalls from Citi.

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 2017-09-16
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, 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 monetary relief
Consumer complaint received 2017-09-16
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Regarding my recent late payments due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, 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 monetary relief
Consumer complaint received 2019-05-02
Company: EVERBANK, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I was late in the month of XXXX only TIAA. They are telling me when you they report absolutely not following Federal consumer guildlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Cashnet USA claimed that I signed a document that I never seen before. They forged my signature illegally. After paying my first payment, they informed me that none of it went towards the loan and as long as I was paying the minimum, nothing would be payed towards my loan. They claimed that I signed a document agreeing to these terms but I read every document I signed on and never once did I see anything like what they were stating. I told them that I would not pay them another dime because they are not scamming me. I would hire a lawyer before they scam me. The people there were very rude when I questioned them about it and told me that I had no choice but to pay them what they wanted me to pay or my loan will never be paid off. I was paying {$200.00} on a {$1000.00} loan. They are XXXX  and they should be shut down permanently before they scam anybody else!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have purchased my {$400.00} bitcoin from coinbase wchich I suppose to receive by XXXX XXXX 2017 but transaction is still showinng pending and have not received aything yet. I send tons of messages to them but they did n't reply and also created many support ticket but nothing happened. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this letter in regards to late payment reported by Loan depot my current mortgage company it was for the month of month of XXXX 2017.. On XXXX XXXX, 2017 Loan depot LLC, branch in the XXXX XXXX XXXX, CA called me because I qualified to refinance, my FHA Line of credit.
I agreed to refinance because the new loan was with same mortgage company Loan Depot and we started paperwork, the loan number was XXXX. During the refinance process I was dealing with XXXX XXXX he was processing loan. I asked XXXX XXXX  if I should continue making payments on my current loan.
XXXX XXXX was going to ask supervisor if I needed to make a payment for XXXX. Manager calls me back in regards to payment. I was told hold on wait until they got a payoff amount.
I did not receive anything in mail. I was under the impression that my loan was approved.
I would still be in good standing, because I would have made a payment on time for XXXX. I did not receive a written letter from Loan Depot LLC until XXXX XXXX, 2017 that loan was denied on XXXX XXXX, 2017. That was unethical on their part, the letter should have been mailed earlier.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife passed away on XX/XX/XXXX and we were reliant on her social security and pension for our monthly income. Those income streams have now stopped so my monthly income is less than half of what it was. After paying rent I have no disposable income for this credit card payment. I contacted XXXX on XX/XX/XXXX and asked if they would consider reducing the 24.99 % interest rate so that I can reduce the minimum monthly payment and so that it will go towards principal repayment. They did not care about any personal hardship or the death of my wife and they would not agree to lower the interest rate. I want to do the right thing and continue to make very small monthly payments on this account, but I can not meet this obligation without XX/XX/XXXX assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Bank of America Visa credit card has this policy regarding interest payments : " PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' I paid off my balance in full last month and see that this month I was charged a " minimum interest charge '' XX/XX/XXXX MINIMUM INTEREST CHARGE XXXX What??!! Since when do I have to pay interest when my balance at the beginning of the statement period was XXXX? I called the bank and was told that it is their policy to charge interest on a zero balance if in the previous statement there was an unpaid balance on the card. But, of course, I was charged interest on that unpaid balance THEN so effectively I am being charged interest twice, which looks like theft 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 monetary relief
Consumer complaint received 2018-01-04
Company: Home Loan Center, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
i am very disappointed with the banking industry..i feel completely disregarded and completely discriminated against because i live on a XXXX income. i have tried via numerous places including XXXX XXXX XXXX XXXX here in AZ to get a personal line of credit in order to pay off all my bills, they have refused me with no really good reason but to use my credit score as an excuse to deny me. I have also tried an online " XXXX XXXX '' and they also refused to give me a home equity line of credit '' also using the same excuse. I pay my bills each month regardless and all i wanted was to obtain money so i can replace my carpet and do some home repairs as well as pay off all my bills once and for all. NO ONE WANTS TO GIVE ME CREDIT. I HAVE PROVEN MY CREDIT WORTHINESS VIA XXXX LEASING CREDIT FOR 4 YEARS AND THEY TOO, REFUSED TO ALLOW ME TO BUY OUT MY XXXX XXXX WHICH I NEVER FALTERED A PAYMENT ON. IF THAT IS NOT DISCRIMINATION, I DO N'T KNOW WHAT IS. I HAVE 100 PERCENT EQUITY OF MY HOME AND I DESERVE SOME KIND OF RELIEF WITHOUT BEING FORCED OR PRESSURED TO EITHER FILE FOR BANKRUPTCY OR SETTLE FOR A DEBT RELIEF COMPANY WHICH ALSO WANT UP FRONT MONEY..I CAN NOT KEEP COMPLAINING ABOUT THESE ISSUES MORE THAN WHAT I HAVE DONE ENOUGH WITH THE CFPB BUT NEVER GET RESULTS OR HELP. WHY IS THAT?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from TD Bank yesterday thanking me for opening an account with them. I did not open an account with them and I do not have a previous account with them. The account numbers that it reported that I have were XXXX, XXXX, and XXXX. I contacted TD Bank today and alerted them about an account that was opened in my name. They directed me to you to report identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Opportunity Financial, LLC
State: SC
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:
Disputed many times company will not provide documents to prove account belongs to me but still reports negative on all credit reports which has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
At the end of last year I looked into my public service loan forgiveness status as I have worked full time for the same non-profit for the last 9 years. I read on Fed Loans website that some of the loans I had were not eligible because they were in forbearance or differment. I had no knowledge of loans being in forbearance or differrent. The website stated to correct this I needed to apply for a consolidation. So I began the process. I revieved correspondence that said I could loose the credit I had already earned toward XX/XX/XXXX so I tried to stop the process. Further I got correspondence that my application was incomplete because I had not provided the appropriate references - my application was processed any way. The loans were consolidated - fastest process I have ever seen. I have NEVER experienced anything quicker from Fed Loan. Every year I verify my employment and wait almost the entire year or never to hear a status update. I then recieve notice that I lost all my years of credit toward PSLF. I have been on hold for over 2 and a half hours. My first call went in to Fed loan at XXXX - someone called me back about an hour later but could not see anything on my account- she tranferred me and here I sit on hold. I am angry and deeply saddened by this process. As I mentioned I have worked full time at the same non-profit agency for 9 years - this XX/XX/XXXX is a joke if all those years count for nothing. I would leave my number but- don't bother as I will most likely still be on hold with Fed Loan

Company response to consumer: Closed with explanation