BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: American Financial Network Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 lender company called " American Financial Network Inc '' given a quote with XXXX $ credit with 4 % interest rate. 

In the initial CD they removed the lender credit. When I asked about the lender credit they mentioned that i will get that lender credit added in the final CD and asked not to worry about it. 

Final CD handed over about 3 to 4 hours before the closing date ( XXXX XXXX ) and again they have not added the lender credit. 

I was getting some realtor credit also but asked them clearly use only the amount you can and remaining you do not need to use it. 

There were seller home HOA issues and closing got postponed by couple of weeks. So when i have asked about my lender credit to the lender they were saying we had to pay rate lock extension and you will not get more than few hundred and if we add the credit now closing will be delayed ... etc. So they literally blackmailed me and corned me to close it without lender credit which they promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: AZ
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 disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

DPT EDXXXX 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 2018-01-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is in regards to my old Citibank Credit Card debt, which was turned over to XXXX XXXX XXXX XXXX. I had been paying XXXX {$140.00} per month to pay down this debt. 

On XXXX XXXX, 2017, my bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) sent a check to Citibank in the amount of {$2700.00}. This check should have gone to XXXX to pay off this debt in full. This check was cashed, however, by Citibank and not forwarded to XXXX. Citibank contacted by mail, XXXX XXXX XXXX, stating they needed more information regarding who the check belonged to, etc., and sent them a copy of the cashed check. XXXX tried to fix this situation and submitted the info. they requested. XXXX never heard back from them, after repeatedly trying to contact them. I also tried calling, mailing and faxing Citibank SEVERAL times, as no one I spoke to seemed to know the telephone number of the Citibank Payment Investigation Department. 

I have contacted XXXX ( XXXX XXXX at XXXX ) and explained to him the situation, that Citibank cashed the check, which should have gone to them. He was very understanding, however, they would like to receive their payment, in full. This has impacted my credit  score, as well.

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 2018-01-12
Company: Experian Information Solutions Inc.
State: AZ
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:
we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Navient Solutions, LLC.
State: MD
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Capitol One Quicksilver account ( Credit line of {$20000.00} ) was closed in XXXX due to inactivity, which has been disastrous for my credit score since it was among my oldest and largest lines of credit. In over a decade of having the account open, the account has never been delinquent, which I feel would make Capital One consider me a long time valued customer. I never received a warning or any notice whatsoever that the account closure was imminent. Only long after the account was closed did I receive a notice that it had been closed. Needless to say I am shocked that I was never alerted via the website, mobile app, email, phone, or at least sent a regular post letter giving me time to address the situation. Had I been made aware of Capital One 's intentions, I never would have allowed this account to be shutdown. 

According to the Credit Card act of 2009, HR 627, SEC. 101. PROTECTION OF CREDIT CARDHOLDERS. ( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED.- ( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED .In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. 

I should have been notified that my account was being closed 45 days before any action on the creditors part was taken. 
I have spoken to customer service agents on two separate occasions ; once back in XXXX when I found out the account has been closed, and once today ( XXXXXX/XX/2018 ) after finding out that another Capital One customer in the exact same predicament as myself was able to successfully get their account re-opened. The URL below links to a twitter feed from this person : XXXX XXXX   XXXXXXXX XXXX Upon further internet research, I've have seen additional evidence to find that Capital One indeed does re-open accounts if they were closed by the creditor, not closed by the consumer. 

XXXX : XXXX # XXXX When I asked the Sr. Account Supervisor I spoke with today, ( ID # : XXXX ) how my account was closed without my knowing, and who can make the decision to reverse this, I was told that it's on a " case by case basis '' and he refused to discuss the matter further. When asking who I could further inquire to beyond his abilities, I was told that his superiors, however, he refused to give me any information on how to contact these superiors except for the fax number and PO Box for general correspondence. 

It is discriminatory that Capital One 's policy seems to be able to grant preferential treatment randomly to whomever they deem deserving of leniency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had previously sent small amounts of funds to friends in XXXX this past 30 days. I think four times.

Then about 10 days ago, i went to Western Union to do another wire transfer. Cancelled and I was blocked. Came back a couple of days still could not send funds international.

Tried XXXX this past week with same results. Tried XXXX XXXX this week could not send. 
Said I was blocked. 
DO not know who or why i would be blocked internationally. Not their authority to block sending funds to assist friends in a third world country. 
Have filed complaint with Western Union XXXX XXXX XXXX on XX/XX/2019. Sent requested additional info they requested on XX/XX/2019. Maximum I send is about {$500.00} USD.  Don't do this often. 

Filed complaint with XXXX XXXX on XX/XX/2019 under similar circumstances. Name was blocked trying to find out who or what government agency. 

I need your assistance. Who oversees International Wire Transfers in the US government. Is it CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, I went into my local Fifth Third Bank and paid off my Mortgage Loan in full. I was told to pay my XXXX payment of Property Taxes. I went to the Court House and paid my Property Taxes. In XXXX I received a letter from the Court House that 5/3 had also paid my Taxes. 
I then went online to my banking and saw that my Mortgage had Not been paid off. I contacted the local branch and found out that instead of applying my money to payoff, they took out a payment that was Not due until XXXX XXXX, they had also paid the Property tax. This should never have happened as it was paid off on the XX/XX/XXXX 
Then by the first part of XXXX, I started getting collection calls on this Mortgage and also mail every day saying I was in default.I even received a Foeclosure letter via Registered mail.I have called faxed and gone into the bank daily to resolve this. I went in and paid the {$350.00} that they had paid on my property Tax. I keep getting told on a daily basis that this will be resolved in 2-3 business days. It has been 73 days. This is ample time. The money shows on the account as unapplied. I do n't know what else to do. I have my paid receipt and the payoff letter from them. I have hired an Attorney. This is Harrassment and I have spent countless hours trying to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Account is not mine. Credit alert set up and police reports sent in regards to existing fraudulent accounts. 

This frauduent account new on my credit report : Date account created was XX/XX/XXXX right after my ID theft report. 

Never opened this account, never been late on a non existing account. 

Account number on credit report : XXXX Called with no resolution. 

Please resolve, thank you both XXXX and XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My bank ( XXXX XXXX XXXX ) sent a SEPA payment of XXXX Euros to Coinbase on XX/XX/XXXX and one SEPA payment of XXXX Euros on XX/XX/XXXX. Coinbase stated that the name of my coinbase account was not the same as my bank account so said they would return the funds. They said these funds will be returned back to the sending bank within 1-2 business days. 
My bank advised me that these funds have not been returned. After providing Coinbase with additional payment details to make a SWIFT Payment on XX/XX/XXXX, may bank still stated they have received the funds. 
On XX/XX/XXXX, I received an email from XXXX at Coinbase to say that payment have been reversed. Again my bank has no evidence that these funds have returned. 
On XX/XX/XXXX, I had further discussions with my bank. They stated Coinbase need to provide the XXXX of the returned payment to they can investigate the payment from our end to try to locate it and get it returned. 
I have had no response from Coinbase since XX/XX/XXXXCoinbase case ID 's are XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been unable to access my online banking account for over a month. I called Capital One, and they escalated the request to " Tier II. '' I heard absolutely nothing from them. This call took place around XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I visited a Capital One caf account. The XXXX banker called Capital One, and they said that they were aware of the issue and they were issuing a patch that would correct the problem at midnight ( on XX/XX/XXXX ). He said it was a problem that had resulted after a system update, and had affected only a few dozen people. I was told that it would fix the problem, and on XX/XX/XXXX I would be able to access the account. I still can not. I called again today ( XX/XX/XXXX ), and all I was told was " they were aware of the problem and do not have an estimated time of resolution. '' It 's an online account, and I have no way to access it other than through the app. It 's exceptionally frustrating, and Capital One does not seem to be taking the matter seriously since it 's only effecting some of its customers. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Credit Card is calling me because my boyfriend is late on his payment. I do not even have a XXXX credit card and have no idea how they got my number but they call me every hour. I have told them that it is not my account but they continue to call. The file that I have attached is an example of every day.

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 2019-04-11
Company: CITIBANK, N.A.
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:
Can you please remove inquiry

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 2019-07-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello. 
This is an " Charged Off Account ''. 
To my recollection. This account was opened in XXXX. 

My card was stolen, and I reported this to the creditor 's collection agency, which was Midland Funding. 

I just recieved a notice from the XXXX XXXX Sheriff 's Department of XXXX County ( received today XX/XX/XXXX ). It was time stamped by the Sheriff on XX/XX/XXXX. 

The File no is # XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX Tel # XXXX Account # XXXX They have threatened to Garnish my wages. They want to garnish payments of {$330.00} from each of my paychecks ( Bi Weekly ) until the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Aargon Agency, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving a invoice of unpaid debt and my insurance company have taken care of the debt. I would like for this to be removed from my credit history.

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Account is not mine. Credit alert set up and police reports sent in regards to existing fraudulent accounts. 

This frauduent account new on my credit report : Date account created was XX/XX/2015 right after my ID theft report. 

Never opened this account, never been late on a non existing account. 

Account number on credit report : XXXX Called with no resolution. 

Please resolve, thank you both XXXX and Transunion, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed my credit report with Equifax and they told me I could n't email the dispute because of the problems they recently had but I could fax it or mail it so after receiving their fax number I faxed it ( XXXX/XXXX/XXXX ) I got confirmation that the fax went through so I called them two days later and was told they had n't gotten the fax but give it more time. I then called a week later and was told the same thing. At this point I 'm totally upset because I never got I acknowledgement of my dispute, all of my personal information went somewhere else and my credit score with them has just dropped after I sent them proof ( acknowlegement from the company ) that my collection was paid. I also sent them a dispute with XXXX XXXX with all of my bank statements, personal information, Social Security number etc ... .. 

I also received note that a address was added to my credit report. Please help!!! 

If not acknowledged that they received it after I got confirmation I 'd have to file a law suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: MoneyLion Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX Moneylion ( XXXX XX/XX/XXXX) ran a promotion where they advertised a bonus of upto {$590.00} or 17 % of first paystub direct deposit and maintaining direct deposit for 3 months. See details below : 1. Join MoneyLion 2.Set up a direct deposit of $ 500+ 3. Opt in to bonus 4 Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit I opened the account, opted into the promotion ( see attached SCREENSHOT ) and maintained direct deposit of {$3200.00} ( XX/XX/2019 ), {$3100.00} ( XXXX ), {$3100.00} ( XX/XX/XXXX ) and  {$3100.00} ( on XX/XX/XXXX ). 

Even after meeting the promotion terms, I did not get the promised bonus of {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: OR
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:
I have a rental property that has a mortgage in good standing ( XXXX XXXX ) which Equifax will not report on my credit file, I have paid this account faithfully! No lates! Years of every payment being on time! They also dont have any way to dispute satisfactory accounts to my file ( ie.. to dispute a missing account or one that is not showing ) which seems that it should b illegal for these credit reporting companies to block consumers from correcting false or missing information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Sierra Holdings LLC
State: NC
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/2019 I reported my Vehicle as paid off from XXXX XXXX company   formerly Sierra finance. This information was given to XXXX and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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