BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX I have tried to dispute this through the credit bureau 's but of course it was " verified as accurate '' although no one will admit to it or provide any documentation. 

XX/XX/XXXX I received a response to my request to have 3 late payments ( XXXX, XXXX & XX/XX/XXXX ) removed from my 3 credit reports ( SEE ATTACHMENT 1 ) from my Freedom Mortgage Loan. I stated that I did not receive my statements in the mail and therefore fell behind as I did not realize the missed payment until I received the next statement and paid in full ( 2 months ). 

On XX/XX/XXXX I also received an email apologizing for allowing a solicitation email that I have opted out of sent to me by them ( see attachment # 2 ). This also shows they can not manage their internal systems properly with notifications. 

XX/XX/XXXX I called XXXX Spoke with XXXX # XXXX who informed me a response letter was sent dated XX/XX/XXXX that I have yet to receive ( as of XX/XX/XXXX ), which further proves either the items are not actually being mailed or they are not getting her for some reason. 

The XX/XX/XXXX was faxed to me by XXXX at Freedom and states they are unable to honor my request despite the fact I am not receiving statements and letters from them ( see attachment # 3 ) XX/XX/XXXX I called and informed XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID XXXX XXXX & XXXX - customer relations division, them under XXXX Periodic statements for residential mortgage loans, they are required to send statements but they refused to remove them or to let me speak to a manger. They all just suddenly kept asking if I was still occupying the property but refused to escalate or have this open dispute looked into for an update other than the due date of XX/XX/XXXX which is too late for me to be approved for my new mortgage. 

XX/XX/XXXX Since no one would help me or let me speak to a manager, I sent an email to the CEO and other execs asking for a courtesy adjustment but I have not received a response other than an out of office from Mr. XXXX 's ( see attachment 4 & 5 ).

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 2020-05-05
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: Information belongs to someone else

Complaint:
I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information must have merged with someone elses, because none of what I am seeing is familiar. I AM NOT THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :

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 2020-05-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My bestbuy acct has charges that are not mine. This occurred last year in XXXX. Bestbuy didn't remove the amount from my credit card. The total amount was about {$600.00}. My card then had extra fees late fees, more interest. They ended up closing my acct. and now I am left with almost 3,000 to pay and it continues to go up every month.

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 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tried to purchase an item ( XXXX XXXX XXXX ) on XXXX XXXX  for a sum of {$130.00} on XX/XX/2021. The seller agreed to a XXXX transaction which cleared XX/XX/2021. The seller stopped responding to my messages, deleted his facebook profile ( and the listing ), and never sent the item. 

I opened a claim with my bank ( Bank of America ) on XX/XX/2021 and submitted a claim through IC3 on the same day. Bank of America contacted the recipient 's bank ( XXXX XXXX  ) but claimed that XXXX was not able to refund the payment to me. The claim was closed on XX/XX/2021. 

I contacted Bank of America again on XX/XX/2021 but they told me that nothing more could be 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 explanation
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : WFDS - XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2017-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After selling my loan to XXXX XXXX, capital one kept losing my loan modification documents or asking to resend banks statements because " it needs more pages '' even though all the pages were marked. Today I was assured that my modification package was received and the foreclosure is on hold. The reason I decided to log this complaint is Capital One is transferring my loan servicing to a new company and I hope the modification process is n't jeopardized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/19, I received a notice from XXXX  that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, XXXX and Equifax are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: WI
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: Other problem getting your report or credit score

Complaint:
My husband and I are attempting to get a refinancing loan for our house. Our lender contacted us to inform us of a problem. Two of the credit reporting agencies are reporting my information correctly. Equifax is saying that I have no credit file with them. Our lender gave me the name of the person showing up on the credit report that they received using my SS #. The name is that of my deceased brother. My brother and I have very similar names ( I kept my maiden name ) and our SS # are exactly the same except for the last two digits. So Equifax has my SS # in their system, my credit info ( house loan, car loan, credit card info ), but all that info is under my dead brother 's name. As I explained to Equifax, since my brother died over 8 years ago, it is impossible for him to have taken out a car loan four years ago, as well as opened a new credit card within the last few years, much less be making payments on all of this. Incidentally, my credit score is very good. Equifax 's mistake in creating a mixed account between my brother and me and is causing me to not to be able to refinance my house loan -- the locked in rate is only good for another 2 weeks and it is the only info that our lender is waiting on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially tried this gym membership for a total of about 5 days, for their online rate of {$1.00}. I was told by the owner of this establishment that if I had canceled for any reason before the due of first payment of {$54.00} that I would not be charged additionally, which I did. I canceled and despite unsubscribing I have been receiving numerous unwanted communications from these people, regarding this mystical owed amount of about {$54.00} and it soon to be reported to collections. 

First of all I want these people to stop contacting me, secondly I will not be paying any additional money for a gym membership that I used for 2 hours and then canceled shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: WELLS FARGO & COMPANY
State: OK
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 been disputing a missed payment that wells fargo reportedXX/XX/XXXX. I sent proof of payment to XXXX  verifying that the payment was not missed and they notified me that wells fargo assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX  and XXXX with she same incorrect information not 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 2020-05-05
Company: SYNCHRONY FINANCIAL
State: CA
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:
We became Care/Credit - Synchrony Bank customers a few years ago. This account provides for " promotional '' charges which, originally, postponed full payment for one year, convenient for our veterinary charges of several thousand dollars. We continued on for several months, added a number of charges and made all monthly payments on time, and paid off the large " promotional '' balances when they came due for transfer to the 26 % accrual status. Many months along we saw that the " promotional '' period had changed and the interest imposition was occurring at 6 months rather than one year. We missed the " fine print '' explanation and that's on us. However, at the same time we learned that the promotional offer did not apply to charges under {$200.00}, and that our balance actually accumulated a few thousand dollars of such charges, which also was subtly mentioned in what appears to be an advertisement ; we learned this after calling Synchrony about what appeared to be an excessive and inaccurate balance. At that time I voiced a strong complaint that their statements omit the balance portion which is accumulating the excessive interest charges, but instead simply include the amount in the total, is easily missed and one only can obtain that actual " hidden '' amount by subtracting the pending deferred interest sub-totals from the total balance. As I told them at the time, I have never seen a credit card or loan statement which concealed specific balances accumulating interest, especially at such an exorbitant rate. It also appears that monthly payments are applied to promotional amounts as well as the hidden balance, so in order to apply payment to the hidden balance specifically one has to call Synchrony and be very clear that a payment is to be applied solely to the hidden balance. Clearly this works to the great benefit of Synchrony and to the detriment of consumers, particularly those who have not figured out this manipulative and deceptive practice. Further, if one goes to their website to make a payment, again there is no way no make the payment only applicable to the hidden balance. We not only find this an unfair practice and anti-consumer, but is fraudulent behavior which is at least borderline criminal. Lastly, during this time when staffing is limited there is NO WAY to make payment on the hidden balance, since neither automated telephone system nor website allow for it and a actual human can not be reached by telephone.

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 2018-03-23
Company: HUNTINGTON NATIONAL BANK, THE
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:
I have contacted Huntington Bank SEVERAL times and was told by XXXX XXXX this fraudulent inquire would be removed. That was back in XX/XX/XXXX, it is now almost XX/XX/XXXX and they have yet to remove the inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have been a loyal Kohl 's cardholder since XX/XX/XXXX and I have always paid my bill on time. I was given an option to get an additional % off coupon if I signed up for paperless billing. This was my biggest and most costly mistake. I had let my son use my Kohl 's charge card to make an online purchase on XX/XX/XXXX. I take responsibility for not remembering he had made this purchase but I never received an email letting me know I had a bill due, let alone a delinquent bill due. On XX/XX/XXXX I received my first text message from Kohl 's card stating I should visit the XXXX website or I should call a XXXX number. I also received a phone call later that evening letting me know I should contact Kohl 's regarding my account. I called the number back and was informed that I had a delinquent payment. At the time, I thought it was for a purchase I had made on XX/XX/XXXX. Without any questions I made a complete payment for what I owed and the representative from Kohl 's removed the late fee from my account once I explained I had signed up for paperless billing and I hadn't received any email communication regarding a payment due. Two days later I received an alert from my credit monitoring report letting me know Kohl 's had submitted a delinquent alert on my account. I was confused about this but upon further investigation I realized I had been delinquent on my payment from XXXX because of my son 's forgotten about online purchase. Again, I never received any email communication or any message on my Kohl 's app that I had a payment due or an overdue payment. When I talked to a supervisor today I was told that they wouldn't rescind my delinquent alert on my account because I admitted some responsibility for forgetting my son had made a purchase on my account. My issue is that I didn't receive any email communication regarding my payment due or that my payment was overdue. Had I received this communication my bill would have been paid in full immediately. I think it is unfair I only received a text alert about my account after I was two months delinquent and after Kohl 's had reported a delinquent alert to the credit bureau. Is this a method Kohl 's is using to collect late fees on their customer 's charge accounts? I am strongly considering not ever using my Kohl 's charge again based upon how my situation has been handled and how my credit score has been negatively impacted. I have always had an excellent credit score. Currently, my credit score is still considered good but I'm disappointed Kohl 's took no responsibility in correcting their poor communication process with my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 at XXXX XXXX ( 31 mins ), XXXX XXXX ( 2 mins ), XXXX XXXX ( 1 min ), and XXXX XXXX ( 16 mins ) I called my mortgage company Mr. Copper. I spoke with XXXX ( ext # XXXX ) in regards to a letter I received in the mail. The letter has a statement date of XX/XX/2019. In the letter it states that I have to pay {$80.00} to my escrow account by XX/XX/2019 to have a monthly payment of {$990.00}. Mr. Copper calls that option 1. That is an increase from my past monthly payment of {$980.00}. Option 2 is to have the escrow shortage divided for 12 months and my new monthly payment will increase to {$1000.00}. I paid {$90.00} on XX/XX/2019 to my escrow account to have my monthly payment be option 1 of a monthly payment of {$990.00} and yet my monthly payment increased to {$1000.00}. 

The reason for the call was ensure if I place {$1000.00} in my escrow account would it decrease my monthly payment. When speaking to XXXX she told me that was not possible. I told her I would like to see a copy of Mr. Copper 's policy on escrow accounts and would also I like to speak with her supervisor. The supervisor name is XXXX ( employee # XXXX ), she gave an analogy of the escrow account being like a bank checking account. She said, " If you escrow account is in the negative, then the increase in the monthly payment increases to cover the projected escrow cost. '' I then said, " If that is so then if I transfer {$1000.00} my escrow account then my monthly payment should decrease. '' She told me that is not correct and the escrow account could not have a positive amount and I would receive a refund the following monthly. I then ask if she could send me Mr. Copper 's policy on escrow accounts, a document in writing where it clearly states that as being the company policy. 

It is now XX/XX/2019 and I have not received Mr. Copper 's policy on escrow accounts and that is my chief complaint. 

My secondary complaint is that I paid {$90.00} to my escrow account on XX/XX/2019 to have my monthly payment of {$990.00} and it still increased to {$1000.00}. 

This occurred to me last year as well. I paid the required escrow payment and my monthly payment increased anyways. I am sure if Mr. Copper is doing this to me they are doing it to other people. 

-- Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
on XX/XX/2021 I sent a wrong crypto currency to my coinbase account. I meant to send XXXX from my XXXX XXXX  account, but instead sent XXXX XXXX  XXXX. I sent {$3700.00} worth of XXXXXXXX  ( {$3600.00} XXXX after fees. I then saw my mistake and searched for ways to recover this money. It is not a complicated process at all is what I gathered from research, the only problem is Coinbase. They refuse to help customers when a customer accidentally sends their crypto currency to their addresses. In fact, they do not respond to customer service requests period it seems. I've read lots of forums with people stating that Coinbase will simply reply to customer service requests by suggesting they look at the FAQ page of Coinbase or they just have an automated response, which will never provide answers customers are looking for. I have submitted requests to coinbase before, but they have never answered. Their website implies that Crypto Currencies sent to the wrong address can not be recovered, yet they also have a blog that states they will are working to be able to recover them eventually but they give no information as to what tokens we can expect to be recoverable, or how to request tokens a customer may want to recover.

Company response to consumer: Closed with explanation