BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
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 status incorrect

Complaint:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed the account on my credit report. I disputed and XXXX XXXX responded with US Patriotic Act ( which details for the company to keep records ). 

XXXX XXXX has not validated or verified the account is mines.

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 2021-02-09
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a XXXX employee and have been furloughed many of times in which I notified Bridgecrest and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.

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 2018-04-12
Company: SYNCHRONY FINANCIAL
State: SC
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 had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/Belk, XXXX/jcp, XXXX/lowes, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from 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 2019-03-19
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have set up automatic payments and they are set to coming out on every XXXX day of the month. This month I didn't come out after I set it up with my new bank account information. Conns have called me repeatedly 30 mins apart ( I have phone records to prove it ) and that is harassment! I have never been late this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a first time home buyer working with PRMG who has closed out my file without providing me reason as to why my file was closed. I believe I am being discriminated by this company as I have paid for an appraisal and was not given a new appraisal. The appraisal provided was given by 3rd party lender who I was working with prior to working with XXXX, XXXX XXXX and XXXX XXXX. I paid for an appraisal and was not refunded. I believe these loan officers took my credit information and ran my credit without intention to provide funding for my purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Winklevoss Exchange LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I was attempting to withdraw my XXXX XXXX XXXX XXXX to my hardwallet on Sunday, XXXX XXXX, 2022 and was receiving the following message : Sorry, this ETH withdrawal can not be completed at this time. Reason : Security hold. Contact XXXX -I immediately contacted XXXX, the representative informed me I needed to submit some documents via a 'safelink ' but would not tell me why but to let them know once the upload is complete, and they'll be happy to expedite my case. -I submitted a single photo that contained the following : 1. A view of your full face 2. Your ID that was used to register with Gemini. 3. A handwritten note that states the current date and says [ XXXX ] underneath as requested early morning on XX/XX/XXXX22 via the link : https : XXXX -I was told on the morning of XX/XX/XXXX22 that the representative is working with his team to resolve my issue regarding my account restriction. He will be sure to follow up as soon as he have the next steps. 'If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email. ' -I replied to the email on XXXX, XXXX ( morn ), new ticket XXXX, emailed XXXX on XXXX, XXXX. - no responses. 
-I also sent DMs per their twitter to @ GeminiSupport and @ XXXX XXXX the owner ) - no responses. 

The Gemini Points of Contacts are : XXXX and XXXX, twitter accounts are @ XXXX and @ geminisupport. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On account ref # XXXX Shellpoint : Stole money from our bank account ; Lied to us about how it was stolen ; Lied about how long it would take for our bank to reverse the charges ; Either lied about " anyone on the phone '' being able to stop our withdrawal from our account or withdrew money from our account without authorization ; Inaccurately issued an ( unnecessary ) refund check to us ; Told us upon our inquiry that our account was not in default and that we shouldn't cash this check ; erroniously reported us as having missed a payment to the credit ratings agencies, being " in default '' ; Never told us that they'd reported us in default or had considered us in default ; Either the check they sent us was a cashier 's check, in which case they just threw away money when they told us not to do anything with it OR lied to us when they told us it had been a cashier 's check ; Still refuse to admit that our credit was damaged because of an accounting error generated by a mix of their own incompetence and dishonesty and our attempts to have our bank stop them from stealing from us when, do to their unresponsiveness, we had no indication we'd ever get our money back ( > {$4200.00} ) ; Continue to refer to only one of MANY phone call transcripts, one which they think somehow clears them even though it also proves their dishonesty or incompetence ; Continue to insist they did nothing wrong because they are either dishonest, incompetent or both

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had a credit card with Bank of America for years. I have made many many phone calls and downloaded their app ( which I did not want to do but thought it was the only way to resolve disputes ). I have never been able to speak to an actual person and I have never been able to resolve any disputes with them. I am charged late fees when I am not late. But I'm never able to speak with a person. It's fraud. My payments are due on the XXXX of every month. On XXXX XXXX of XXXX I made over the minimum payment to Bank of America but was still charged a late fee on XXXX XXXX statement. I am always charged a late fee no matter when I pay. I can't communicate with anyone about it. I've tried the app, chatting, calling ... no one. I have statements to show this combined with bank withdraws from bank of america. I do not understand when I need to pay to avoid a late fee. I am also then charged an interest fee - to clarify that i'm not confusing fees. 

Now I would like to cancel my account, the current wait time is 3 hours and in the past even hours of waiting no one answers. I am unable to cancel online. I am in a nightmare relationship with this company and I just want to close my account. I have to repeatedly give my SSN, which is highly uncomfortable given that amount data breaches occurring. I am not able to report my card lost or stolen. Nightmare company. I can not believe that their practices are allowed to continue. I also have many screenshots to support these claims. 

Attached documentation is one example of Bank of America 's practices. I have and can locate more examples of fraudulent behavior. However, this is very time consuming.

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 2020-01-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

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 2021-04-06
Company: DocuPrep Xpress
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I got a call from DocuPrep around XX/XX/2020, offering a student loan forgiveness plan. They checked, and I wasn't eligible for forgiveness, but I could start paying {$50.00} per month, after I paid them their fees of {$990.00} ( {$190.00} per month for 5 months ). I just recently checked with my loan servicer, Navient, and they replied that they are not affiliated with this company. I emailed DocuPrep twice, telling them they were not getting any more money from me ( before the 5th payment came out of my account ), and that I had found out from XXXX 's website that companies are not supposed to be charging for help in repaying student loans. I asked DocuPrep to immediately return the {$790.00} to me that they had charged. I have not heard back from DocuPrep since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
Company: MORTGAGE LENDERS OF AMERICA
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About 2 months ago I applied for a home loan through Mortgage Lenders of America. The loan officer below was the one who attended me. 

XXXX XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America direct ( XXXX ) XXXX-XXXX mobile ( XXXX ) XXXX-XXXX Toll-free ( XXXX ) XXXX-XXXX, ext. XXXX fax ( XXXX ) XXXX-XXXX XXXX@mloausa.com This whole process has been a nightmare so many things were not diclosed. Numbers have changed over 5 times and after locking in my rate all of sudden 3 days to closing all numbers changed and rate went up to 3.42 points from 1.5. These are bait and switch tactics and they are taking advantage of my situation and the 2 months of craziness I have been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I checked my XXXX XXXX account online to check my latest charges. I was amazed to see a pending charge of {$89.00} from Experian which I never made. The only time I previously contacted them was in XX/XX/2017 to put a freeze on my account, which I paid {$5.00}. I tried calling them, and was told the wait time was greater than 1 hour. I checked some of the websites and seen that there are many others going through the same issue. Many of them complained about waiting as much as 2 hours just to have them hang up on the caller. It sounds like many people just give up trying to get the charge removed. This is just pure theft and the company should be prosecuted. I don't intend to let them get away with this. My next step is to contact the local TV XXXX for them to bring this to light. Please help.

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 2019-02-11
Company: EQUIFAX, INC.
State: MS
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 initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of Equifax, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. Equifax would not allow me access to my report. I have been denied credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Back In XX/XX/2016 XXXX I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Professional Debt Mediation, 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 become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CITIBANK, N.A.
State: NE
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 was advertised and promoted to use the flex plan associated with the credit card company which allowed me to make fixed payments, with fixed repayment terms and fixed interest rate on certain purchases. 
I made regular purchases outside of the flex plan subject to my current APR rate for the month of XX/XX/2021. Flex plans were already existing and in place. 

Language in the statements says the following : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, the to the balance with the next highest APR, and so on. '' I made a payment on XX/XX/XXXX and XX/XX/2021. One payment was for my minimum balance due and the other was for my outstanding purchases. My outstanding purchases payment was applied to the flex plans that had a lower interest rate than my outstanding balance.

I tried to resolve the issue multiple times with the credit card company and was met with multiple different and inconsistent reasons why the payment was applied the way it was, hostility from customer service, hung up on by customer service, told the issue would be resolved and I would be sent written correspondence 5-7 in the mail explaining the issue being resolved, instead the issue wasn't resolved and I received a letter explaining how payments are applied in general. 

Issue is still not resolved, company unwilling to offer a solution or comprise to fix issue despite bait and switch tactics that should be reviewed for Unfair, Deceptive, and Abusive Acts and Practices ( UDAAP ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: VA
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 made serval attempts to remind you of your duty pursuant 15USC 1681. It appears your intentionally and willfully being neglectful in remedying my affair. 15 USC1681E ( B ) assures that I am due, promised accuracy in my report based on federal law. I am making this another attempt to have these errors corrected on my consumer report. 


Its been 6 months and still haven't received a response from the consumer reporting agency.

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 2021-09-09
Company: Experian Information Solutions Inc.
State: MI
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 requested to see proof and methods of verification for alleged account that is reporting on my credit reportI do not owe this debt, I requested to see signed contracts between myself and XXXX credit. 

XXXX credit management XX/XX/2019

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 2017-12-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased some XXXX through Coinbase using my debit card. I then sold the coins and have the funds sitting in an online wallet, the funds are in XXXX and I have been unable to get any advice out of the company as how to actually get the funds back into my bank account. They advised me to send a payment to them to verify my bank account but they still have not done this meaning i can not get access to my funds. All of the advice on the Coinbase.com website is very confusing regarding the withdrawal of funds especially if they are in XXXX. 

Coins bought on the XX/XX/XXXX and more on XX/XX/XXXX. This was very easy and i used my debit card. I then sold the coins on the XX/XX/XXXX. I completed the payment to them as requested on the XX/XX/XXXX which debited my bank account on the XX/XX/XXXX. Coinbase say they will then verify the account 1/2 days later. This has not been done yet and as all of the reviews online are so negative about this company I am starting this procedure now in order to get my funds out asap. I feel very misled by the company and let down by the online and telephone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I called the bank on XXXX and requested a payoff amount. They refused to give it to me. They asked many identification questions and I answered them all but did not know the penny amount of a $ XXXX transaction. I knew the exact balance, my SS I feel the bank does these things to generate revenue that they did not earn. In this particular case, extra daily interest. When i asked for a supervisor the representative stated he was.

Company response to consumer: Closed with explanation