BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: GERSHMAN INVESTMENT CORPORATION
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have been working on my new home mortgage with the Gershman mortgage company. I have been working directly with branch XXXX XXXX XXXX. We have been working on this loan for more than XXXX weeks. We started the loan application and then she asked me for all the documents needed to begin the process. Before we started I mentioned that I had school loans and asked her if that would affect me in getting a loan through them. She indicated it wouldn't affect as long as I'm not paying anything right now, I let her know that I wasn't because I was currently still in school and I won't graduate until XXXX of XXXX  and that the loan repayment would start XXXX  months after graduation. She asked if I can get the loan information and I sent that to her. Weeks passed and she didn't mention anything about it anymore. Then XXXX XXXX comes she called me about XXXX times to ask me for Insurance for the home and started to mention that now my school loan was affecting my debit yo income. But that she was still trying to see what they can do. Since I was trying to get the home insurance already I went to the home insurance company I chose and got it then she called me stating that she was trying to see if I could rent the home until I can get a total of about {$21000.00} for the closing. The closing was already on XXXX XXXX and she had already made me sign paperwork and on XXXX of those documents it stated my closing costs which was {$8400.00}. I think she should have explained all this before and should have not lied about the loan not affecting. I asked her if I had any other choices and she said only come up with the rest of the closing costs or if I wanted to close this mortgage. I right away said close it because that was a lot of closing money and that's not what was in the beginning and I advised her that was not ok how she went about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened up a business checking account at Wells Fargo in branch with a business banker. There was a promotional offer for a {$500.00} bonus after meeting a few requirements. These requirements included depositing at least {$2000.00} within 10 days of opening the account, having a minimum {$2000.00} balance on day 60 after opening the account, and posting 5 transactions by day 60. The banker gave me a statement showing that the new account was opened with the promotional offer attached, and the minimum {$2000.00} was transfered into the account on XX/XX/XXXX. I met all the requirements on day 60 ( XX/XX/XXXX ) and then waited for the {$500.00} bonus to post to my account. After several days, I messaged Wells Fargo inquiring about the bonus, and they replied that it will post within 30 days after meeting the requirements, which is correct per their terms in the offer and should have been executed by XX/XX/XXXX. I then inquired again, and they replied back that it will now post within 45 days ( XX/XX/XXXX ) from meeting the requirements, which is already against their own terms & conditions. On XX/XX/XXXX, I went into the Wells Fargo branch and met with the same banker I opened the account with. He went through my transaction history and confirmed that I met all the requirements and then spoke on the phone with the back office where they stated that my initial deposit was invalid. The banker then proceeded to escalate the issue and said that he would get back to me in a few days. I also then inquired Wells Fargo through their online system, and their online customer service was now saying that the account was never opened with the promotional offer. I have a paper statement showing that the account was indeed opened with the promotional offer, and I also inquired with my banker again, and he confirmed too that the account was opened properly. Messaging with other representatives, they were all coming up with various different and contradicting reasons on why the bonus had not posted and Wells Fargo seems to be dragging their feet on the issue. After day 45 from meeting the requirements, the {$500.00} bonus still has not posted, and I feel incredibly deceived by Wells Fargo.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Its been overXX/XX/21 and no sign of investigation and no information given. I sent Experian certified tracking regarding accounts that I do not recognize or recall. Accounts misleading and I never entered in any contracts with these companies. Moreover, per 15 USC 1692 laws, I was never notified within 5 days nor did the companies provide information or I give permission to these accounts on my credit report. FTC Report Filed see attached. Multiple Federal Violations

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 2020-10-12
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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per

Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed {$2100.00} to a merchant did not receive a warranty merchant ripped me off charged warranty that was never requested or received contacted Wells Fargo WF opened many claims and made several errors I've added a cease and desist to my account and they would not honor my request on my account I refuse to have anyone in the XXXX working on my account Now I don't trust Wells Fargo Wells Fargo never advised me of these debits and have out of the country working on my account which means my account is being processed out of country

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 2019-01-16
Company: Nelnet, 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: Account information incorrect

Complaint:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon review of my credit file with Transunion, I took note of several inaccuracies pursuant to 15 USC 1681. 

I sent the attached affidavit to Transunion, for all inaccurate accounts and inquiries to be removed. 

That has not yet been done.

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 2020-08-26
Company: AMERICAN EXPRESS COMPANY
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: Problem getting your free annual credit report

Complaint:
american express is reporting a 'charge off ' for an account that i have been continously paying and was never late. 
# XXXX and is stating that the account was closed by credit grantor. amex suddenly chanced the terms of the repayment amount and started to call me hundreds of times even on sundays.. and late at night.. i talked to agents there hundreds of time and for hours on end.. being transferred many times during most calls. i have a good credit history with amex since XX/XX/2010 and before and most agents would tell me i was a 'good ' customer.. this call started when a payment was misplaced on a account with similar account number and i call in to have it reposted to the proper account. 
this is not the first time amex has blundered my account payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Coinbase, Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have not been able to access my Coinbase account for almost a month now. They have advised me via automated message that they are conducting a manual account verification but stated ( a month ago ) it would take several days. They have not responded to any of my inquiries. 

Not a lot of money involved ( ~ {$250.00} ). 

Not sure whom I should contact about this issue. Perhaps you can point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: The CMI Group, 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've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDIT MANAGEMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in regards to Granite State Management Group who was sold my student loans to following college graduation to pay back these loans. I unfortunately had no money in the economy downturn crisis coming out of college of XX/XX/2007 and did what I could to pay off the loans accordingly. I had a few late payments to which they recorded in my opinion on my credit report 4 different times between the accounts. Now over 6 years later I contacted them in regards to working with me to take these off and they had no care to and just directed me to file a complaint and let y'all take it from there. I do understand that at the 7 year mark is when these red flags should taken off my credit report to which I will make certain that does happen before then or on that very date. i am so close it would make sense that they are taken off promptly. Let me know what you all need from me to keep this inquiry alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
I contacted XXXX multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX district of New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for XXXX bank fraud etc. and XXXX continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX  can you have XXXX  explain this? they cant the only number XXXX should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud TD Bank denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both XXXX  and TD bank harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This was a lease that I entered into with GMfinancial. The agreement opened on XX/XX/XXXX and ended XX/XX/XXXX. It was a 36 month lease term that ended early. I choose to end the lease as my wife was over miles 2 months early. GM and I worked out the payments need to complete the agreement, which I paid in full. The total of {$2700.00} was paid for early termination and mileage. I opted to ground the car at the dealership that I purchased a new GM car from. Throughout the life of the lease, I had an excellent payment history.

GMFInancial is appearing on the derogatory section of my report. This should not be derogatory and be removed. This has hurt my credit score and resulted in high costs to buy another vehicle. I have been unfairly affected as a consumer by this error and should be compensated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
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:
I have 8 accounts on my credit report that do not belong to me I have not applied signed or authorized these accounts I need them off my credit report asap!!! 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified 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 2021-07-15
Company: Experian Information Solutions Inc.
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:
I have a serious problem with The Experian Boost Program Malfunctioning on a regular basis effecting my credit score reporting.The afore stated problem is on going and I have reported this issue to Experian Member Complaint Department numerous times and I've have been told that they contact the Tech Company that monitors Experian Boost Experian does not have control of Experian Boost and out sources to a Private Tech Company.I have two Credit Card Accounts on Boost that Malfunction Constanly either Disconnected or Permanently Disconnected a long with Failing to Connect to Utilites Associated with the Cards.The Malfunctioning effects my credit reporting on a monthly basis.These issues have been ongoing for months and have not been corrected ruining my credit score.

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 2021-06-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife called Mr. Cooper, our mortgage company, several months back, during the height of COVID, I believe to set up automatic payments, but while on the phone they sold her on the idea of accepting their Forbearance plan. They sold it as something they were offering their clients to help during this financial crisis during COVID. An opportunity to skip several payments and then make those payments after the original life of the mortgage at no additional cost throughout the life of the loan, a deferment. Now the forbearance period is over, they are harassing us and trying to intimidate us into signing a loan adjustment, that would potentially add $ XXXX to the life of the loan. When I search for Mr. Cooper 's Forbearance plan online, I find the following : https : XXXX It claims there are four possible methods of repayment. The deferral that was sold to my wife, and three other methods not mentioned to my wife including the aforementioned loan modification, a reinstatement ( pay all missed payments up front ), or a repayment plan ( pay missed payments over several months ). 
They are calling me several times everyday trying to get me to sign this loan modification, costing us an additional ~ $ XXXX, or the reinstatement. They will not honor the deferral option promised to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my 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 2019-01-16
Company: iMove Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received a physical letter in the mail from iMOVE Mortgage in regards to our FHA waiting period ending. After reading and receiving the letting, I called the company this morning at the number on the letter, XXXX. 

The gentleman who answered the call was rude and was arguing over my request to simply remove my address from future mailings. I informed him as well that if I would be interested in refinancing in the future, I would initiate that with a company of my choosing. 

At this point, I do not truly know if my address will be removed from their mailing list as requested. The argumentative behavior from the gentleman was unnecessary, impolite, and bad business. This simple request should not have been treated as such.

Company response to consumer: Closed with explanation