BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I obtained a conventional mortgage loan from Navy Federal Credit Union ( XXXX ). The loan closed on XX/XX/2018. {$440000.00} at 4.625 % 30 years fixed rate. I paid 1 % loan origination fee and paid XXXX in points to buy-down the rate to 4.625 % from the original 5.125 % rate. 

My complaint relates to the deceptive and misleading manner which XXXX advertises its loan rates and terms on its website. The site advertises multiple loan products and teaser rates which are generally unavailable or available in very limited instances. For example, XXXX advertises 30 year conventional rates with 5 % down payment as low as 4.125 %. That rate may be available, under certain circumstances, for specific loan products. Unless a buyer knows of the limited circumstances which that loan is available, he/she is unlikely to obtain that rate, even if the buyer qualifies for that product. This dynamic creates an unfair burden for the buyer. When I spoke with XXXX, the response was you have the lowest rate. That may be a true statement, but its a misleading statement. XXXX should be more transparent in its disclosure. For example, if XXXX recognizes a buyer may qualify for a lower rate, it should disclose the conditions or loan product ( s ) that may provide the lowest available rate. This approach gives the buyer more information to make a more informative decision. Im disappointed with my loan process with XXXX. The bank may not have committed an illegal act, but its lack of disclosure and transparency is likely intentionally deceptive. Im asking for monetary compensation of {$6500.00} to reimburse me for the discount points I paid under misleading circumstances. XXXX has an obligation to be more transparent with its members. XXXX failed to meet that standard based on how it chooses to advertise its mortgage loan program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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 status incorrect

Complaint:
Equifax wont allow me to file a dispute online or answer any phone calls. Inaccurate reporting on account affecting home purchase. Contacted company that has account on report stated they contacted Equifax but Equifax didn't remove said account. Problem is with Equifax and their failure to keep up with proper reporting.. Account info. 

XXXX XXXX finance XXXX {$2500.00} Account closed and should be removed, was in Chapter XXXX bankruptcy that XXXX XX/XX/XXXX. 

XXXX XXXX bank inquiry removed-bankruptcy chapter XXXX XX/XX/XXXX Bankruptcy that was-dismissed wish those to be removed. Reference number XXXX Date file XX/XX/XXXX Equifax does not respond to written disputes, nor can you file electronically. Equifax phone number dosconnects when you choose any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CITIBANK, N.A.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both Citi Bank and XXXX XXXX XXXX have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. I have discussed this issue with representatives of both Citi and XXXX XXXX XXXX and they were not interested in my concerns. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens.

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 2020-11-14
Company: First Credit Services Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call claiming I owed {$200.00} for a gym membership debt with XXXX XXXX in XXXX IL with an account number of XXXX. I live in XXXX Washington and have never had a gym membership with XXXX XXXX or ever been to XXXX, IL. On XX/XX/XXXX, I received a letter/bill demanding payment from First Credit Services in XXXX, IL. I called their number to let them know that I've never had this account. Their representative claimed the account was opened in XX/XX/XXXX. I XXXX  XXXX XXXX XXXX Illinois during the call, and that search revealed that the company went out of business in XX/XX/XXXX, more than 2 years before my supposed contract date. I believe I am a victim of either identity theft or the target of a scam by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: LendKey Technologies, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2021, I filed a complaint that LendKey had not applied my XX/XX/2021 payment on that date but instead applied my payment 27 DAYS LATER on XX/XX/2021. On XX/XX/2021, LendKey responded to that complaint stating they had updated the payment date to reflect XX/XX/2021 and also applied the corresponding interest adjustments according to the earlier posting date. They also stated they would review the loan post-processing to verify the adjustments processed correctly. As of XX/XX/2021, NONE of these adjustments have been corrected. The INCORRECT payment date of XX/XX/2021 still remains, and no interest adjustments have been made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
Company: M&T BANK CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened and M and T Premier checking account XX/XX/2020. The promotional terms were {$500.00} which I completed on XX/XX/2020. The bank confirmed my promotion and instructed me to wait. I waited the 90 days and now they state I am not able to receive a promotion .I spoke to the bank at least 5 times and they had many opportunities to inform me. They made me send identify documents twice. I feel they are being deceptive as they also charged me {$14.00} in service fees for 2 consecutive months. They had no intention on paying this promotion and merely bilked me for fees. I have attached all the records I have kept, and a copy of their promotion.

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 2019-08-29
Company: Google Compare Credit Cards Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have purchased a {$250.00} gift card for Google Play. I paid cash for the gift card yet google prompts me to upload an image of the gift card, receipt of purchase, and a picture of my ID in which I immediately do. We are going on 2 weeks and Google has tied up my money and not allowed me to use my gift card purchase. I am getting a Bureaucratic runaround and no evident action is being taken. Please assist.

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 2018-04-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: MARINER FINANCE, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
MARINER FINANCE LLC has been in violation of the FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against MARINER FINANCE LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: U.S. BANCORP
State: MN
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 received a letter dated XX/XX/XXXX from US Bank. The letter begins with " Important information about your US Bank Platinum Visa Card account. It goes on to inform me that my credit limit is being decreased by {$500.00} based on the information that the 'account is currently inactive. ' US Bank 's decision was based on information from XXXX  consumer credit reporting agency. The letter goes on with the usual boilerplate data indicating that US Bank obtained my credit score from XXXX  and US Bank 's credit decision was made using XXXX  's data. '' I DO NOT have a credit card with US Bank! In XX/XX/XXXXI had a mortgage with US Bank which was sold to another lender. I also had a checking account with US Bank that was associated with the mortgage. To make a long story short, the checking account was set up by US Bank specifically for this mortgage ; I did not have to pay any monthly fees because of the associated mortgage, yet each month I was charged a fee and each month a banker would reverse the fee. It turned out that the banker who reversed the monthly fee always used the reason that I was a military widow. Although I am a widow, my spouse was NEVER in the military. I decided that US Bank was unethical in it's practices and wanted nothing to do with them. 

I took the checking account checks as well as the debit card associated with the checking account into the bank and sat there as the banker closed everything. I hate doing any sort of business with these dishonest people so you can appreciate why this upsets me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already handled this through another company through the CFPB and was told that it would be removed completely from my credit report. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX XXXX. via the CFPB saying " Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed. '' They responded and sent me a fraud packet to fill out and mail off to XXXX XXXX XXXX which has not yet been responded to ; Specifically they stated " On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) contracted XXXX to collect the unpaid balance of {$1600.00} from XXXX   XXXX, XXXX, TX. According to XXXX XXXX XXXX, the account became delinquent XX/XX/XXXX. Ms. XXXX   complaint revolves around fraud. Mr. XXXX may visit XXXX XXXX XXXX to obtain XXXX XXXX XXXX fraud process. XXXX has attached XXXX XXXX XXXX fraud packet to this response. XXXX XXXX XXXX provided XXXX with billing statements which has also been attached. '' regarding the fraud packet completion as part of their response. 

I would like to have this immediately removed from my credit report as it already was ; and I was told this would not be a future issue. 

Thank you for your assistance with removing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This is a secondary complaint to # XXXX that was somehow closed before the problem was actually resolved. ( Freedom Mortgage failed to show up for the scheduled closing on XX/XX/XXXX. ) Freedom Mortgage again failed to show up for the rescheduled closing on XX/XX/2021, at XXXX XXXX EDT. Now we will have make yet another payment on the current loan while we await Freedom Mortgage 's response. This is absolutely no way to treat a military family.

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 2021-04-07
Company: EQUIFAX, INC.
State: OH
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 submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One XX/XX/19 & XX/XX/19 showing on my XXXX  Credit Report in which I have not applied for any credit or increase. or new cards. Capital One Bank has no reason to be running credit been I not applied for any new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
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:
I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge

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 2020-01-30
Company: EQUIFAX, INC.
State: MA
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 just received this following report from my credit monitoring service from XXXX XXXX XXXX ( XXXX ) sent to Equifax : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX  - XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : xxxxxxxxx XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX This is an alleged HELOC that was closed on XX/XX/XXXX when my home was ILLEGALLY Foreclosed on in an Illegal Opposed Auction on that date and yet this FALSE report shows this alleged account to be still open. It was closed upon the above dated auction!!! This company XXXX XXXX XXXX   ( XXXX ) needs to report this account to credit reporting as CLOSED UPON FORECLOSURE ON XX/XX/XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
An account XXXX is reporting inaccurately by Transunion on my credit report. It is showing as an open account however it is in Collection/Charge off status. Transunion continues to toggle the account back and forth between reporting as opened and closed. The last payment date is incorrect and it is still reporting late payments among other inaccuracies. I have disputed this inaccurate account multiple times over the past few months in writing and over the phone and Transunion has refused to report accurately. My consumer rights are being violated. I have detailed records of all my disputes which I have sent certified mail.

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 2018-04-14
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:
Dear CFPB Representative, On XX/XX/XXXX I initiated a transfer to my XXXX trading accountoperated and serviced by Coinbase , Inc, in the amount of {$2000.00} There was a disclaimer that the transfer could take up to 5 business days. On XX/XX/XXXX It was confirmed that my deposit was available. I tried to access my account for three weeks with an error upon login that finally turned to " You account has been temporarily suspended ''. I contacted Coinbase for the first time on XX/XX/XXXX ( Case # XXXX ) when my account still did not allow me access. I finally got a response onXX/XX/XXXXwith an email stating " Due to increased volume it may take several days to receive a response. '' I questioned the timeline of when my account would be reviewed and a decision granted and was told " these reviews are typically completed within 4-5 business days ''. 

After being ignored I contacted coinbase again of XX/XX/XXXX and was told by the rep that " Ive just checked your account and can confirm that your request has been properly escalated. '' I emailed again on XX/XX/XXXX, with the same response. I called the company directly with a 2 hour hold and the rep told me " If I told you an estimated time when your account would be reinstated then I would be lying '' I decided to wait a few more weeks. OnXX/XX/XXXX I need the funds for an emergency and contacted them that I will file a CFPB report if I my funds were not transferred back, and that I don't even want to patronize their platform any longer. I opened a new case as well ( Case # XXXX ) and revised the exact same response " Ive just checked your account and can confirm that your request has been properly escalated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Amsher Collection Services, 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:
AMSHERCOLLECTIONSERVICES # XXXX To Whom It May Concern, The reason for my dispute is AMSHERCOLLECTIONSERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMSHERCOLLECTIONSERVICES # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) AMSHERCOLLECTIONSERVICES # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 ) AMSHERCOLLECTIONSERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMSHERCOLLECTIONSERVICES # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AMSHERCOLLECTIONSERVICES # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMSHERCOLLECTIONSERVICES # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation