BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: SANTANDER HOLDINGS USA, 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 is missing that should be on the report

Complaint:
Regarding Santander Mortgage Loan # XXXX Issue 1 : Santander has discontinued/stopped reporting all loan payments to the three credit bureaus, XXXX, XXXX, and XXXX effective XX/XX/XXXX to current date under the primary borrower/payor XXXX XXXX XXXX XXXX XXXX myself ) . 

On or about XX/XX/XXXX, this mortgage has been sent to the Bankruptcy department of Santander due to the co-borrower, XXXX XXXX XXXX XXXX having included this in his bankruptcy filing. I, the primary borrower, am not and have never been in bankruptcy and have been the sole payer of the mortgage since our divorce in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has not resided or paid the loan on the property of the Mortgage since XX/XX/XXXX. Outside of being the original borrower in XXXX, XXXX XXXX XXXX XXXX has nothing to do with this account. 

I am filing this complaint to enforce Santander to re-instate the Mortgage reporting of timely monthly payments dating back to XX/XX/XXXX to current and beyond for the life of the mortgage for credit reports of XXXX XXXX XXXX XXXX at XXXX, XXXX, and XXXX. 

Issue 2 : Santander has stopped issuing monthly paper statements via mail or any electronic format for access to XXXX XXXX XXXX XXXX. I also have been shut-down from being able to log-in to access my Santander mortgage for viewing the account, making payment, or any e-banking function otherwise. I emailed a Letter of Request for Reaffirmation/Reinstatement dated XXXX. In this letter I requested Santander to correct/update the credit bureau reporting , allow me to have statements, and to regain online access to the account. 

On XX/XX/XXXX I received an email from the research department of Santander stating that since relief was granted ( I have no idea what that means, again ... I am not in bankruptcy nor have ever, so I don't understand terms ) That since relief was granted, Santander is unable to remove the internet stop on this account. As such, the online payment option will not be available to me. 

I am filing this complaint to state that I feel my consumer rights are being violated by the refusal to access my own account by both a block on my account to access via online and by discontinuance of paper statements. Additionally Santander should be reporting to the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Ph. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX denied my credit card application which is against federal law. I have attached my letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello i am trying to get my funds like the us bank closed my account and i have money on there they keep turning me around telling me that the funds or check will arive within 7 days or 10 days of closing the account and it never came it has been XXXX plus days now. Please help because i need the money to pay rent

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 2021-04-30
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to freeze my Experian account multiple times but the site is always unavailable to me. As a result, I have not been able to open an Experian account for years. I have been monitoring my Experian credit score using XXXX. 
I just saw on XXXX that Experian has an incorrect XXXX XXXX XXXX for me. I tried submitting a complaint to Experian and learned that an account ( which was not opened by me ) is open in Experian. 
In XXXX I used certified mail to send a full-file disclosure request to all 50 consumer reporting companies listed on the CFPB site. On XX/XX/XXXX, I used certified mail to send updated information to Experian, XXXX and XXXX This information included updating my phone number, because my XXXX fraud alerts were going to an incorrect phone number, and updating my mailing and residential address. I did not receive proper confirmation of my updates, or a full file disclosure, from Experian. 
DOCUMENTS AVAILABLE UPON REQUEST

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 2023-03-14
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was serviced at XXXX XXXX XXXX XXXX on XX/XX/2022. I got my bill ( {$150.00} ) and paid via my XXXX XXXX XXXX ( {$150.00} ) on XX/XX/2022. My insurance created a check on my behalf and sent it to XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX cashed the check on XX/XX/2022. I began to get letters in the mail that I owed them and after calling many times and complaining, they decided to send It to collections. The collections company the hospital sent it to : Medicredit. I have called medicredit 3 times and I have sent proof of payment and they said my dispute was denied and didn't give me a reason why. Then I called insurance to triple confirm the check and the dates cashed and it was correct and they told me there was nothing they can do and that XXXX was trying to pull a fast one. Then I called XXXX XXXX XXXX XXXX XXXX again and they said there was nothing I can do because they sent it to collection ... they said all I could do was nothing and to write another dispute and send it to have it as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/2020 I apply for a loan online. The loan company approved loan application and said they needed my online banking access to verify my account. The amount of {$2000.00} was deposited into my account. After the deposit the loan company called me and said I was approved for {$4000.00} and to show that I have an active account I would need to return the {$2000.00} via XXXX XXXX or gift cards. This made me feel uncomfortable and I didnt trust this process. 
I withdrew the money and sent it back using gift cards because the representative would not give the information to use XXXX XXXX. 
They said if I did not send the money back the would lock my account. 
2 days later I received a new Debit card from Bank of America : which said my account may have been used in fraudulent activity. This made me feel better. 
On XX/XX/XXXX, I received 2 emails from Bank of America stating that my claim was denied and that {$2000.00} will be debited from my account on XX/XX/XXXX. 
I went into the bank to find out what was going on. The Representative that assisted me said that the loan company used my online banking access to file a claim, which caused Bank of America to deposit {$2000.00} on my account. That transaction makes it appear as if the loan company made the deposit. The representative at the bank said it was a scam and that I will have to pay back the {$2000.00} to Bank of America.

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 2022-02-09
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage lender, XXXX XXXX XXXX  transferred my loan to PHH Mortgage as of XX/XX/2021. There is a loan modification that is supposed to be taking place in order for me to become current on my payments ; however, I have not received any official information from PHH as of today. I have called them numerous times over the past two months, and had several scheduled phone appointments with their representatives to discuss the plan for my repayment- only to be told that they need additional time to process and review my loan. I was told initially that I needed to sign a packet with information regarding my modification and return it to them to process the modification. I was also told that I didn't need to complete this packet and they had all the information they needed from me. Either way, I have received no such packet. I have received letters about my delinquent loan ; however. I've also received calls to collect the money owed. On my end, getting in-touch with them is extremely difficult. A couple of weeks ago I tried to speak to a manager, and after holding for XXXX minutes I was hung up on. I have never received such horrible customer service. I am so afraid that my mortgage will default to the point of foreclosure, and I don't want that to happen. All I want is to get the loan modification underway, and become current on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX tried to login to my TransUnion account and couldn't after 2 attemps-I tried to reset the forgot password attempt which I got locked out of and account suspended email was sent with the instructions to call Customer Service which I did. The 1st call took 40 '' to get help from customer service to unlock and reset my Transunion account with THEIR password. An hour later I tried to login TransUnion again USING the password and I tried to CHANGE the password that Transition gave me to a password of MY OWN and was locked out AGAIN with the site saying that Transition couldn't change my password at that particular time. I went to the online chat to see if I could login to complete my password change and 45 '' later AGAIN I still couldn't get in under the direction of someone named XXXX ( Transition Chat help desk ) about XXXX XXXX. I got about 5-6 email password re-sets to no avail and with 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 non-monetary relief
Consumer complaint received 2021-06-17
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:
i faxed over an identity theft affidavit, with unauthorized inquires that were on my credit report. i have not heard back from equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Home Point Financial Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, I was impacted by Hurricane Irma. My lender, Home Point Financial offered assistance by allowing me to defer payments on my mortgage for 3 months and then at the end of XXXX, allowed me to pursue a disaster modification. The disaster modification was finally completed in mid XXXX after many calls to confirm what was needed and ensure payments were made timely. Midway through XXXX, Home Point Financial also did some kind of reorganization which included changing their name. At one point in the 2nd quarter a mistake was made on all accounts going through a disaster modification ( this is per a representative I spoke too ) resulting in a lot of us being reported past due incorrectly ( we were in forbearance as the disaster modification was being processed and the forbearance was not taken into account during reporting ). I was told that credit reporting would be updated to reflect this is a mistake and took Home Point Financial at its word that it would be fixed. 

Fast forward to today, I noted a missed payment notification and traced it back to XX/XX/XXXX where apparently I was reported 60-89 days late despite being in forbearance during my disaster modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had an account with Coinbase Pro. I forgot my password and kept trying to get in, but it always took me to Coinbase. After speaking with someone they told me my account was closed. And that everything was moved to Coinbase. I asked where the money was that was in my Coinbase Pro account, and they said they could see it but did not know how I could access it. They said they had to escalate the situation because they were not getting an answer. They explained I would receive an email in regards to this. That was days ago, and I have not received anything in response at all. I have no idea how long this account has been closed, they have made no effort to get any money to me, and I have been trying to get in for over a year now. The email address used is XXXX. That is the address associated with my Coinbase pro account that used to exist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been unable to contact Transunion about a credit report dispute. 

Numerous calls to their call center get hung up on, despite calling during their office hours, following the prompts and waiting on line. I made six calls today, XX/XX/ Their web site is inaccessible. It doesn't recognize my sign in information. They promise to send a code to my email but no code shows up. I try and try and still no code to sign into my dispute account. I checked spam, junk, etc. but no code. 

I try to reset the password on my account to get in but the reset password site just goes around and around asking the same questions over and over again. 

They appear to be dodging access.

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 2021-06-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Amex is refusing to waive my interest charge despite that fact that it's my first month with my new card and I thought I already had auto pay set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have some medical collections from kings credit service, account number XXXX XXXX i have more collections from this company, i want these accounts deleted from credit report becuase these collections are medical bills and i had insurance to cover the bills, also the hospital violated my rights per the hippa law. the collection company should not have my medical records. that's a violation and i can sue. but all i want is for kings credit to delete all my accounts from my credit report, asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
US Bank closed ALL my accounts including my business account due to fraudulent activity. I have never committed fraud. What gives them the right to close an account without the owners permission? Due to them closing my accounts so abruptly, I was not able to pay vendors or services that I use for my restaurant. This in turn effected my restaurant negatively. I couldnt get the products I needed to run my restaurant properly. Ive been with this bank for about 7 years, and this is how they treat a loyal customer. They closed ALL my accounts ( business checking, personal checking, savings, credit cards ) all on XX/XX/2023, without a formal explanation of why they were closing them. I spent the last three weeks trying to get my money and Im finally picking up a check for my balances at a local branch XX/XX/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 2022-02-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I over-drafted my account and was charged a XXXX  fee. I blocked the card, as I did not have sufficient funds and was unable to make it to the bank to deposit funds and funds transfers from my other bank werent working- they continued to accrue NSF fees for transactions still hitting the account despite me blocking them. I went to the local branch on XX/XX/XXXX and deposited {$100.00} cash to cover the overdrafted amount and the first fee and close the account, asked for the fees to be refunded, and was told theyd escalate to a manager to see if they could refund the remaining XXXX in bank fees and close the account. I logged into the account the next day to find out that the balance was at {$0.00}, so I assumed they waived the fees and closed the account as I had requested. It wasnt until XXXX of XXXX I received notification that the account had actually been charged off and charged an additional XXXX charge off fee for a total of {$130.00} being sent to collections. Called customer service to figure out how when I had closed the account, they told me to go to the branch. The branch then told me they couldnt do anything and would not give me statements until I demanded that was illegal. They then told me that I would never be able to open an account ever again at any other bank and would never be able to use checks because theyd automatically be blocked at any other bank ever again, having worked in fraud for another bank, I know this is untrue and is illegal debt collection practice. I was given misleading information, and the branch gave me false promises and failed to inform me that the account was going to be charged off on the next business day when I went in for the deposit. This bank is using illegal sales practices and is misleading customers and committing theft with unclear practices and fee structures and failed to communicate with me the status of my accounts when requested :

Company response to consumer: Closed with explanation