BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - I spoke to customer service and requested a manager. I was told that Freedom Mortgage had a problem with their mail system in XX/XX/XXXX where payments were going to another company. My problem was in XX/XX/XXXX where my payment was not received by Freedom Mortgage and on XX/XX/XXXX, I received a letter from Freedom Mortgage that they received my  original cashier 's check for my XXXX payment payment marked RETURNED-STOPPED PAYMENT. 

I emailed a letter to Freedom Mortgage on XX/XX/XXXX, with documentation of all payments sent ( copies of cashier 's checks purchased ) and correspondence received from Freedom Mortgage from XXXX - XX/XX/XXXX 

I received a response from XXXX Mortgage on XX/XX/XXXX stating " After reviewing your account, our research determines we are unable to honor your request to update credit reporting. The delinquency for XX/XX/XXXX is  accurate as reported. 

I purchase a cashier 's check every month around the XXXX or the month and mail my cashier 's check to Freedom Mortgage. This has worked well every month until XX/XX/XXXX. I have been informed of a mailing error from Freedom Mortgage in XXXX that payments have been received by another company. I think this mailing error started earlier than XX/XX/XXXX, because my XX/XX/XXXX payment didn't show up at Freedom Mortgage until XX/XX/XXXX. 

I have documentation to support everything I'm saying. I hope you can look into this matter and Freedom Mortgage will remove my XX/XX/XXXX late mark on my credit file. I'm looking to purchase another home and this error on Freedom Mortgages part is costing me more money for my new loan because my credit dropped from XXXX to XXXX. My mortgage lender is telling me that because of the lower credit score I am paying {$2500.00} more in points to get the same interest rate.

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 2019-09-15
Company: Experian Information Solutions Inc.
State: KS
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:
Debt included in or discharged through Bankruptcy Chapter XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case number XXXX Open Date XX/XX/2012 Last update XX/XX/XXXX XXXX XXXX XXXX Credit card   {$1500.00} I am no longer liable for this 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 non-monetary relief
Consumer complaint received 2018-06-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a credit card open under my name on XX/XX/2009 and appear as closed as XXXX XXXX. Also I got an alert my email and my mailing address was found on dark web. My address is listed as company address which is incorrect. Automotive services I do not recognized this service. Please pay attention to this matter and fix it. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX is saying that i owe them for an account. I have never had an account with them. I have asked them for proof of an existing account and i have never recieved one. This is affecting my credit rating. On XX/XX/2018 i  spoke with a rep. for them gave him my last name and last for of my SS and he could not find a account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was attempted to be collected by XXXX XXXX and after working with the original company they could not verify the debt and removed all collections and flags in XXXX of 2019. And A letter followed for confirmation. In XXXX of 2019 DCI collections has been attempting to collect this debt and originally flagged my bureau with no calls and/or written notification. The day after my bureaus were flagged I provided the letter from the previous agency and this debt was then lifted from my bureau in XXXX of 2019. However in XXXX I am receiving calls regarding this debt from XXXX XXXX XXXX once more. Attached is the resolution letter now provided to DCI twice and copies of their most recent calls to me. No other action has been provided by this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have two accounts ( XXXX XXXX XXXX, XXXX ) that are under investigation with Equifax that have been under investigation for about two months now- please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is regarding Citi Bank XXXX. 

On XX/XX/XXXX Citi bank agent told me that there was a promotion offer for {$500.00} if I open a saving account {$25000.00} with new money and keep a total of {$50000.00} in my account for only 3 months. I opened the savings account and kept the conditions as they told me, but did not receive the {$500.00} after 3 months. 

On XX/XX/XXXX I called Citi bank priority customer service regarding this issue and asked if I qualify to receive {$500.00}. The agent informed me that I do qualify for the promotion offer. The agent informed me that even if I close my saving account and transfer the money to my checking, I would still qualify for the promotion offer. The agent then proceeded to close my saving account and transfer the money to my checking account. 

A few days passed and I still did not receive the {$500.00} promotion offer as promised by Citi bank. When I requested it again, I received a letter stating that I can not receive the offer because I closed the savings account. 

This is not rightful action taken by Citi Bank. I was deceived and given incorrect information. I followed the conditions stated by Citi Bank employee. I brought {$25000.00} and opened a savings account and kept a {$50000.00} balance for 3 months. I even verified with the bank prior to requesting to close my savings account, in which the agent stated I would still qualify for the offer if I closed my saving account. 

The bank should pay right after the 3 month promotion period. I waited for 4 months then closed the account because the Citi bank employee told me it was okay. 

When I participated in offer, Citi bank employee told me I only needed to keep the account open for 3 months. She did not tell me that I needed to keep the account open. The customer service agent also confirmed that I did not need to keep the account open. 
If the savings account needs to remain open to get promotion offer, that is not a 3 month condition. 

This is a mistake by Citi Bank and they should give me the {$500.00} promotion offer as promised. The employees at Citi Bank should be well informed about their services in order to prevent giving their clients wrong information and from losing money.

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 2021-07-20
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i start trading cryptocurrency with COINBASE in XX/XX/XXXX, make several transactions deposit and withdraw with no issues till XX/XX/XXXX, someone compromise my account and change password and email for my account and tried to make 2 other purchase using my bank account XXXX, but thank GOD i could dispute those transactions because they were still in pending, tried several times to contact Coinbase customer support via email and phone to fix this issue but no aim, no-one get back to me except for first time to provide steps to reset password but when i try to tell them that hacker change Email for my account to his, they stop responding and never get back to me after that, the hacker took {$14000.00} from my account in 5 different transactions cleared from my bank account as shown below : XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2800.00} XX/XX/XXXX {$2900.00} i really need my money back my case # XXXX username : XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: STATE FARM BANK, FSB
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company charged us 2 payments one week XX/XX/20 and XX/XX/20. We are on a bi-weekly auto draft with them. They did eventually refund the one payment but it took several days and put our account in negative for several days. I have tried to request the NSF charge of {$32.00} to be refunded to me from them several times and have still yet to get that refunded. Every time I call I'm on hold for at least 30 mins and usually the call takes up to an hour. Hardly anyone there knows what they are doing. I requested to speak to a supervisor and was told one would have to call me back. If one ever did call me back I never received a voicemail. We were supposed to have a payment taken out on XX/XX/20 and one still has not been taken out. I have tried calling the customer service line several times and after being on hold for about 10 mins I get someone's voicemails saying I'll get a call back and no one has ever returned my voicemail. Their service is horrible. I could manually make a payment online but I don't want to do that and then auto draft come out as well and it double charge us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have begin to look into my credit as because I am at the age where I need to focus on my foundation, so I see things on there I have never had or thought I could have because of my credit, there is a depth collection company that I can't get intouch with because when u call their line it gose right to voicemail, the one time I did get an answer the guy was like, '' what are you calling me for. '' I have called XXXX and the customer service rep was like The account has been sold what do you wants us the account has been sold so you mean to tell me you cant tell me anything about this account in which I owe a bill for and they are the only one that has any record of such cause in 2016 of XXXX the XXXX I was released from XXXX  went to stay in XXXX GA, got a phn from XXXX XXXX XXXX, then from there boost mobile and have been with that company for going on 4 years. So how do I get. Somewhere with this, I have rights and I know that somthing can be done, I don't have anything to give to anyone I have not had A service from. I have disputed the debt 8 times, they take it off put it right back, something about the regulation, and pretty much I am responsible but there is no way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, INC.
State: KS
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:
This was included in my Chapter XXXX Bankruptcy United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case Number XXXX - XXXX Open date XX/XX/2011 Vehicle Loan XXXX XXXX XXXX XXXX Account number XXXX " Bankruptcy Petition Fixed Rate '' No longer liable for this item

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX XXXX and and XXXX bank is listed as paid settled here are the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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 {$890.00}, {$8500.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Conn's, Inc.
State: LA
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 went into Conns and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that Conns account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
XXXX XXXX and and XXXX XXXX is listed as paid settled here are the credit reports.

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 2021-07-19
Company: FirstPoint Collection Resources
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I paid off my collection at First Point Collections in XXXX North Carolina in XXXX of 2020, shortly after I found out it existed. Only to find out a year later it is still on my credit as paid and not deleted. I have called several times and have been told that the manger is on vacation and only he can delete these items. When the manager returned my items still havent been deleted. I have been given the run around over and over again. I did my part by paying my debt I just want them to do there part and have it deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PNC is not allowing transfer of funds to a third party savings account, XXXX XXXX. They are not allowing me to save for my future the way that I choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Google Compare Credit Cards Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at approx XXXX XXXX I cancelled a transaction of {$400.00} that I had entered on Google Payments. I received a confirmation of the cancellation. I relied upon the information and used the funds to make other payments. The following day they debited my bank account the {$400.00}. They have been telling me since then and are now telling me that it will be 710 days to return the funds that they should not have taken. Their support center has done nothing to correct the error. The just repeat the information on their website or cut and paste it into an email. I think that it is either inconvenient to have people Available to correct their errors. The claim that it is impossible to fix. Certainly there is a person capable of correcting this but they cant or wont relay the information. As they are not regulated like a bank they seem to believe that they dont have obligations. This is costing me hundreds of dollars in fees and loss of reputation. Their representitive offered me a {$5.00} courtesy credit. I need the {$400.00} back and will address the fees later. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Harvard Collections, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection agency Harvard Collections based out of XXXX, IL placed two separate reports to my credit for the same debt in XX/XX/XXXX and again XX/XX/XXXX. I have never been contacted via phone, or mail in regards to any debts. When I contact Harvard they could provide zero I formation but it was a debt from XXXX. I contacted XXXX  XXXX  number provided from Harvard Collections and was told it was an overpayment from XXXX in the state of Illinois. I have not lived in Illinois since XXXX. They have no record of ever speaking with me and could not verify any other information. They confirmed they have never received any payments towards the debt from me but from state tax returns in XXXX & XXXX. Since, then there has been no other contact on this debt until it appeared on my credit 21 years later without warning. Not only was it reported it was done twice causing me great economic hardship as my daughter is preparing to return to school this fall and this hurt my abilities to co-sign her lease. I do not owe this debt and have zero knowledge. How can a company put a 21 year old debt on your credit without reasonable attempts to resolve? What is the statute of limitations? These people basically are saying they waited over 10 years to report the debt. I had to write the headquarters of XXXX in XXXX, IL for details as Harvard or XXXX XXXX  could provide any details just the date of debt and the amount. I do not owe this and needs to be removed from my credit reports ASAP. I also want Harvard Collection and XXXX collections tactics reviewed as this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX ; Experian and XXXX are reporting incorrectly that I am 30 days past due on the XXXX  - partial account XXXX ( page 20 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming 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 non-monetary relief
Consumer complaint received 2019-09-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX bill from Navient for XXXX. Paid XXXX through auto pay which processed on XX/XX/XXXX confirmation sent from Navient. XX/XX/XXXX payment said not made. Called customer service they said they would apply it and get it fixed. XX/XX/XXXX notice from Navient my student loans were paid off, went into site to find accounts said XXXX balance but that I owed XXXX still even though I had only borrowed 30 something thousand to begin with. It is also not showing my XXXX payment and says I only owe XXXX in XXXX. Clearly they have misplaced payments and I'm highly concerned about why I owe more now after over 10 years of payments then I started with.

Company response to consumer: Closed with explanation