BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I ordered three different withdraws from Coinbase to my XXXX checking account. The amounts are {$200.00}, {$67.00}, and {$3.00}. The transactions say complete on their app and that the money should have arrived by XX/XX/XXXX. It is now XX/XX/XXXX and I have not a clue where the money is. Their customer support said my transaction went through but there is still no money in my account so I replied back to them and received a vague answer with no clear direction. I need the money and they seem to be beating around the bush on its whereabouts. I have attached a .pdf of my transactions and conversations with customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: LA
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:
The following companies ran unauthorized credit report on me.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: SYNCHRONY FINANCIAL
State: NC
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:
I am avictom if identity theft and have been arrested several times and I have several more warrants for my arrest and dont know what to do, please help me, this is out of comtrol, and I was also placed on probation for other crimes i did not commit I can not believe this is happening to me and my family!!! Please contact me 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 2018-04-02
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing LLC purchased my loan XX/XX/XXXX. After the initial letter about where to send the payments, I have not gotten any invoices or correspondence at all. I call them to see if I can get a balance or to see if the payment arrived and they inform me they " Can't talk to me because I am bankrupt '' I inform them my case was closed over 5 years ago. I have told this to at least 8 " account managers '' They all promise to " Change the system ''. I call and call for 2 years to no avail. I send emails. They never respond. They say " we can only speak with your attorney '' I don't have an attorney as the case was closed over 5 years ago. I keep telling them the same thing over and over. They put me on hold for 30 minutes at a time while waiting to " talk to their manager ''. I call customer service who promptly gives me a lecture about bankruptcy. I tell them the case closed over 5 years ago. Then they put me on extended hold again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Navient Solutions, LLC.
State: AR
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:
Have student loans through Navient from 3 different schools that are reflecting 120 + days late payment. First off, the starting and ending dates of these loans are when I was a current student. Therefore, there is no way these loans can be late. After completion of school, I utilized the Income Contingent Plan that is updated yearly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-05-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX  .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

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 2021-08-11
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I contacted HYUNDAI CAPITAL AMERICA regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC XXXX. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase Visa XXXX Card. Chase sent out an offer to upgrade to another XXXX card. Same account number, so no impact on personal credit. No other fee changes on offer. I agreed to upgrade to the card. I activated the new card on XX/XX/XXXX. Today I receive a letter from Chase dated XX/XX/XXXX ( todays date is XX/XX/XXXX ) stating changes to account terms. The change is that they are increasing their annual fee from {$99.00} to {$140.00}. I find it awfully suspicious that the letter came after I had time to accept and activate the card. This seems a lot like a bait and switch tactic. I will not accept this change in annual fees as it was not advertised when I was initially offered this card upgrade ( and I highly doubt Chase bank makes decisions to raise annual fees in less than a months time, these decisions are factored in months in advance ). Another example of how the banking system is not regulated enough, or perhaps a sign it needs more oversight since they resort to tactics like this. Bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Account information incorrect

Complaint:
I have a private student loan with XXXX XXXX XXXX ( XXXX ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus.

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions Inc.
State: MD
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:
Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on creditreports ; and as evidenced, it had not shown up on the XX/XX/XXXX report.
At first the response from the CSRwas a type of circular and dismissive explaination, which led
nowhere. when I questioned what they were saying, they finally stated directly that I was lying.
A similar conversation ensued with Experian, as there appeares to be the same clear mistake on their report as well.
Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner.
I have to say that XXXX is the most professional to speak with of the three, but I am uncertain of 
their documentation.
Please note the following : Reposseison of vehicle XX/XX/XXXX.
Filed bankruptcy XX/XX/XXXX.
Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy.
Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues.
I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time.
Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. 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 2018-04-03
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The credit collection agency would not send me paper documentation each month showing the balance due on the account they said I owed, and each payment I made to the agency of {$50.00} a month for several months was never recorded., the agency refuses to give me a receipt showing the amount of money I paid them, so I stop paying them and request the agency customer service person to send the account back to XXXX XXXX XXXX  so I could pay them because I could not pay a collection agency and not received something showing I pay them money each month and not get a document or bill.

After I stop paying XXXX XXXX XXXX XXXX, they sent me a letter on XX/XX/2017, showing I owed a payment of {$50.00} without a balance. I called the agency and told them to send my bill back to XXXX XXXX  because I did not trust the company after they told me I could not get a record showing payments. And they continue to call my phone more than 5 times a day from different numbers to harass me even after I told them to stop.

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 2018-04-02
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
It is inconceivable that Washington Federal ( XXXX XXXX ) had not disclosed the true costs of the loan, as the closing costs changed by more than 500 % within days of our expected loan closing date. 


We came to Washington Federal ( XXXX XXXX ) a construction loan to build a log cabin. One of these questions was whether we could use the appraised value of our land, which has not been in our possession for more than a year, rather than the purchase price. As our purchase price was in our opinion, and confirmed by Washington Federal, quite low, this was of critical importance to us in establishing the equity of our land. Washington Federal mentioned that Washington Federal believed our circumstance would allow us to use the appraisal price and Washington Federal would confirm with the underwriter. As a customer of the bank, we have no direct communication with the underwriter, and this issue was not brought up again by Washington Federal as a concern. We continued down the process of working towards the loan closing, paid for the appraisal, and provided documentation of 15 conditions set forth by the underwriter for the pre-approval process. These conditions required extensive work by us and we worked to complete these in a timely manner to ensure a smooth loan approval process. Within a week of our expected closing, for Washington Federal to inform us that the appraisal of our land could not be used was unprofessional and unethical. 

One of the loan requirements was to have a building permit. This required several thousand dollars of investment, so the project could be approved. We met this condition and submitted a copy of the permit to the bank, and then the terms of the loan changed, including the required loan to value ratio. 

On multiple occasions, we requested documentation of terms that were either verbally told to us or were documented differently than what was told to us. A loan professional, should not have waited for our request, but rather have documented any verbal representations immediately. For the majority of these requests, the documentation updates did not occur, and we were verbally assured by Washington Federal that it would be included at closing. For example, one item included a reduction in interest rate. As interest rate impacts our payments for a construction loan and subsequent 30-year mortgage, this item should have been documented and was not. 

Washington Federal charged us {$1100.00} for the land appraisal, over charged us {$200.00} did not send us a refund until we asked for a refund. If more documentation is needed for the complaint we will file at the time.

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 2017-08-09
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My XX/XX/XXXX statement showed a closing balance of {$100.00} on this account. When I ACH transferred that {$100.00} out to another bank, the transfer was refused by Peoples United Bank. Subsequently I received a statement from them showing a {$12.00} Service Charge which reduced the account balance to {$88.00}.
This account has been in existence for decades, from long before Peoples Bank took over the local bank. There has never been a monthly service charge before, and there has never been any information received from the bank about the implementation of such a charge.
I wrote the bank regarding this ( see attached ) but have only received a notice from them indicating that the account has been charged another {$37.00} fee for the overdraft. It instructs me to cover the overdraft as soon as possible and to sign up for overdraft protection.
Because of their reversal of the {$100.00} ACH transfer, the account still has funds in it and there is no overdraft to cover.
I am filing this complaint because the bank was not authorized to levy a {$12.00} Service Charge in the first place, and that the fees they and another bank have levied are all due to their improper application of the {$12.00} fee.
The bank to which I made the ACH transfer has also charged me {$25.00} because Peoples reversed the ACH transfer claiming insufficient funds.
I want your help in having 1 ) Peoples rescind the two fees ( {$12.00} & {$37.00} ) and to reimburse me the {$25.00} fee levied by the other bank. I request that they send me a check for the {$100.00} that was in the account plus the {$25.00} fee from the other bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a vanity table from a a furniture store on XX/XX/2020. 3 months later I have yet to receive the item. I have asked the store numerous times for a refund with no success. I made a dispute with American Express serve since this is the payment method I used. I told them my story and sent them a receipt of purchase. I waited a whole 45 days for them to tell me since it was a authorized transaction I wont be getting my money back. The fact that it was a authorized transaction was not in dispute. It was the fact that I never received a purchase for over {$1000.00}. This is my second dispute I put in with American Express serve. Within 4 days they sent me another generic email that I wont be getting my money back because it was authorized. Now I am on my third dispute with these people. I just want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-10-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was affected by Covid. I contacted Citizens OneHome Loans ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted Citizen One Home Loans and are working with them on the back payments. Citizens One Home Loans has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, Citizens One reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting Citizen One Home Loans with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CITIBANK, N.A.
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 was told by XXXX that the Credit Bureau has to remove negative information. 

There is an open XXXX account that does not belong to me. Recently, negative information re a {$29.00}. Past due amount was posted.

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