BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When i first bought my home in XX/XX/2017, after a few months my home owners insurance was cancelled because I didn't schedule a time for someone to come inspect my home ( even though this had already been done prior to starting the home owners insurance ). My insurance was cancelled. My mortgage lender never notified me that they would have to force-place insurance on my home. After I received new insurance, I called to update them on my new plan. I was told that they weren't aware that my insurance was cancelled because they weren't informed. So they said that since my home wasn't insured for the time I was without insurance, they would have to force-place insurance for months missed. Now my mortgage payments have gone from around {$620.00} to {$1100.00} per month and I am struggling to make payments. I looked into the laws for force-placed insurance and found this ; " The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. 
The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ). '' None of this happened as my mortgage company was " unaware '' that I was without insurance. Please advise if there is any action I can take to amend this. I am already on  new insurance but I am still having to pay these extra fees until 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 2018-01-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made a wire transfer to Coinbase on XX/XX/XXXX, and they said it was declined due to a name mismatch, and that they will be returning this wire back to my bank within 7 business days. After 7 business days, I sent them an email, and they stated that they were dealing with higher than average requests time, and that they needed more information about the wire ( reference #, XXXX #, full name, etc. ). I quickly reply to that email providing all the information necessary. This was onXX/XX/XXXX 

On XX/XX/XXXX, they replied stating that they recently experienced delays with wires due to high volume and the additional manual processing that they require, and that all delayed wires from their backlog have been processed ; and that I should receive my funds within the next 2 business days. 

I sent them another email on XX/XX/XXXX about the status of my wire, and I have yet to receive a response. I have only been receiving automated responses, and it is now almost XXXX. This is ridiculous. WHERE IS MY MONEY? 

Case ID : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: TN
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:
Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA EQUIFAX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: IA
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 found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address

of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX  points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX  of these errors and they ignore any real evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: PA
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 like to file a complaint for fraudulent debts listed on my credit report that does not belong to me. I have attached an Identity Theft Report XXXX with this complaint. The accounts that are fraudulent : XXXX XXXX and XXXX XXXX XXXX XXXX. I want these fraudulent items removed from my credit report immediately. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: The Thomas Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2019 I set up a payment plan with the Thomas Agency to pay an unreported debt I received notice about. I had an old debt that had been reported and was about to fall off my credit after hitting the 7 year mark. So we made a verbal agreement to set up a 6 month payment plan. Since they would not put it in writing, I sent my checks with accompanying letters confirming the arrangement, the debt to be paid and that acceptance of the check was acceptance of the terms of the agreement. Now four months later it has been brought to my attention that they have been taking my  payments and applying them to the old debt. I noticed this after they pulled this debt off my credit report, only to re-report it the next month as a new debt. This has hurt my credit and the company is not taking any responsibility for this. Their only response was to take the payment off and report the same debt yet again. I do not know if this is payment plan of unreported debt is a scheme to get old debts paid off, but either way it is in breach of an agreement they made to me. Now I am in a position that my credit is going to get further destroyed, as a result of just trying to pay what I owe. I have saved my letters and accompanying check numbers.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: WELLS FARGO & COMPANY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft WFDS Account Number : XXXX This is not mine. 

2. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have sent 2 payments a month to XXXX. The payments were processed within one day and put onto the account. Paid for this card for 4-5 months with no issues. I go in to a store and go to check out to find out my {$340.00} balance is no longer existent. Knowing I paid the bill and it had said paid and the balance was presented. I am rarely late to pay this card and pay over the minimum Once I called the company to see what was going on I told them I have my statements here that state my payment was indeed taken from my bank card and off of my statement. I also made a payment of {$40.00} Friday which shows but doesnt reflect on the account at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received XXXX American Express Reward cards in fall of XXXX. The cards have an expiration date of XX/XX/XXXX. I went to use these cards in XX/XX/XXXX, thinking they were still good for 3 years. I shocked to see one card had a XXXX balance and a second card had a balance {$81.00} lower than it should be. While I was reading the fine print on the back of the card it said a {$3.00} service charge would be implemented after 6 months. 

That is wrong! If the card was devalued after six months, the expiration should have been six months. I called and spoke to offshore people with English as a 2nd language who explained that they would not refund my fees. I asked for a manager who also refused to do anything, and said I should have read the terms and conditions In my opinion, this is theft. No one reads the pages of small print that come with a gift card. I can't believe XXXX and American Express would associate their names with this type of business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had 5 mortgage accounts with XXXX XXXX XXXX XXXX XXXX. Loan XXXX, XXXX, XXXX, XXXX. On XX/XX/21 they transferred the loans to XXXX XXXX XXXX XXXX. Now on my credit report I am having the same accounts reporting twice. They are duplicate and it lowered my credit score more than 30 points. I reported this to XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( Toll Free ). I reported this to XXXX XXXX at XXXX and XXXX Servicing at XXXX on XX/XX/21 but they have not fixed the issue. They are knowingly reporting data incorrectly. Additionally I have filed disputes with XXXX, XXXX XXXX and Equifax but they reports are still showing incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received notice from XXXX that a collection account was added to my credit report from a company that I have never heard from. I never received anything from the original creditor about a debt owed to them and now this company is on my credit report stating that I owe XXXX {$880.00}. XXXX never sent a notice and then the collection agency Caine & Weiner Company Inc. I have no idea who this company is and the fact that they are reporting to my credit report and dropping my score is a big problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had 5 mortgage accounts with XXXX XXXX XXXX XXXX XXXX Loan XXXX, XXXX, XXXX, XXXX. On XX/XX/21 they transferred the loans to XXXX XXXX XXXX XXXX. Now on my credit report I am having the same accounts reporting twice. They are duplicate and it lowered my XXXX XXXX more than XXXX points. I reported this to XXXX XXXX XXXX XXXX XXXX Servicing Department XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( Toll Free ). I reported this to XXXX XXXX at XXXX and XXXX Servicing at XXXX on XX/XX/21 but they have not fixed the issue. They are knowingly reporting data incorrectly. Additionally I have filed disputes with Experian, XXXX XXXX and XXXX but they reports are still showing incorrectly.

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 2019-09-10
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WE are not sure what this debt is or who its for or where it came from. It has been cleared from my credit report then reappears then I get it cleared then it reappears.. Its IC systems this time in the past it was XXXX  XXXX XXXX prior to that another collection agency they just keep selling it reporting it so on. They all demand money then offer want discounted settlements 80 % 90 % discount Its a fraudulent account.

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 2018-01-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX I lost my job and couldn't pay on an unsecured installment loan from HSBC. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XXXX XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
I tried to get my free credit report from aXXXX and it wouldn't let me see my Experian credit report. gave me this message " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
When trying to find my credit report on Transunion, I clicked on a link for looking at all 3 bureau report offer. Upon clicking it, I was automatically charged the XXXX $ for the report without every receiving it nor a prompt to confirm I was going to be charged. I have not been able to get a hold of their customer service, after hours of being on hold.

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 2021-06-02
Company: U.S. BANCORP
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: Investigation took more than 30 days

Complaint:
i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation 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