BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I was pre approved for a home loan. End of XXXX I gave the go ahead to proceed. The loan officer XXXX XXXX didn't write anything up right. My out of pocket expenses kept changing. After having {$430.00} removed from my account on XXXX for appraisal, nothing happened. I was assigned to XXXX XXXX. Her customer service was horrible. Would not correspond with me hardly at all. Then after 2 weeks of waiting for her to respond I was notified she was no longer with us bank. I was never notified or assigned to a new loan officer. The appraisal was finally done, but was told that I had to do repairs to the house before the loan could proceed. Im buying the house as is. Its in the contract. I told the loan officer to cancel the contract with us bank. After 3 months I'm no further along than when I started. I'm formally requesting my {$430.00} back since NOTHING is 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 monetary relief
Consumer complaint received 2017-12-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
as you know, i am a client with td bank. on XXXX XXXX i made a deposit of {$600.00} dollars at XXXX XXXX  through the vending machine which is located at XXXX XXXX XXXX XXXX ny in the afternoon, i wen to shop somewhere else i did not find my banking card.i went to the bank to claim my card they told me there is no balunce in my account.therefore, i filed a complaint to the bank. after, 20 days i have no received any answer, i went back to file a second complaint. i went today XXXX XXXX the branch, they informed me my complaint has been denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 simply sent my remittance coupon with ucc codes with letter with my signature for payment to bearer. The bill of exchange could have been in many others forms I could open a lock box as well I sent this registered mail a week ago. Today I received strange email no letter or correspondence that Capital has closed all of my accounts. Because I sent in a remittance coupon as holder in due course. These creditors are acting like we live in circus as they constantly are accessing my information from credit bureaus that is completely controlled by circus of billing errors and without my written consent constantly surveil for extracting any money then can get on high interest payment which I am paying. Very high interest. Capital One is in dishonor and clearly out of line as I need to credit cards for household purchases. I also see they have sent me a credit alert from experian report soon after they closed all 3 accounts in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a Counbase account which I use to trade crypto currency. I made a sale on XXXX XXXX and then bought back some more XXXX  but this was put into my XXXX  vault without me authorising this. I tried to get this moved to my XXXX wallet from my ethereum vault but it requires a secondary email verification which I no longer have access to. I contacted coinbase support on XXXX XXXX and had no reply. I then re contacted them on XXXX and XXXX via there support page and on social media. I then was asked to verify my account using my driving license and face recognition on Sunday XXXX XXXX which I did at XXXX. I have since tried to contact coinbase to find out what is happening again and no reply until Wednesday XXXX XXXX saying wait 5 days. It has now been the 5 days and I have had no reply from coinbase and currently losing money on trading upwards of 150. Please could you look into this lack of customer support with my own money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15
Company: HMSV Financial Services, Inc.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
First contacted this loan officer who took my income information and made a pre-approval for the amount of a home I was looking at, it was hitting the max end of our pre-approval but she did it anyway. When our buyer of our home wanted us to pay closings costs, $ XXXX, I asked XXXX if this would be a good idea, she said that we would maybe have $ XXXX leftover if we paid our buyers closing costs, if we purchased this home we were looking at. There was a lot of communication back and forth with XXXX she kept asking for items I had already sent her, and pretty much rushed us through the process. I do not recall any sort of pre-counseling of sort or notice regarding not using your credit cards when in the process of trying to obtain a mortgage. Also, I ended up not paying my mortgage because I was using that money to make repairs. From the months of XXXX through XXXX is when our loan was pre-approved. Then, come the day we were finishing up on closing on our loan all of a sudden this lender says we are not qualified. Actually, I could not even get a hold of XXXX after she emailed me and told me that we were no longer approved. I tried calling all day Friday and the remainder of the weekend. I was basically blown off and given no chance to fix the deficiencies. We literally had already sold our house based on XXXX 's professional advice. They must have done something procedurally incorrectly, well they did, we had ten days until we were homeless at that point. We could not breach our contract with our buyer. We scrambled and there was no apology, no response, no nothing. I spoke with XXXX XXXX, her supervisor, the mortgage branch manager, he had no idea about our file or what was going on. It was awful to know no one cared that our us and our XXXX kids would be homeless. We were lucky enough to have our seller rent his house back to us while we are ( stlll ) trying to correct the deficiencies that XXXX apparently did not catch ( or her team ). This is a complaint against the entire department. There is no oversight nor care in the way XXXX or her team do their job. I am writing this complaint in hopes that this does not happen to anyone else that they may work with on a home loan, there needs to be reprimand, although I think XXXX should be fired for this behavior. The only person at that company that even remotely helped or answered the phone was XXXX XXXX. This company should not be allowed to do business unless they are in the business of making families homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizens bank offers a {$400.00} total promotion- {$300.00} for a deposit of $ XXXX and {$100.00} for XXXX debit card transactions within the first XXXX months. I made XXXX XXXX deposits in that time and called Citizens bank to ask if either deposit qualifies. Both reps confirmed and assured me the promotion requirements were met. 

Following up with Citizens today, a rep stated neither deposit qualified. Additionally, reviewing the terms and conditions, I realize theres no language to distinguish what types of deposits are disqualified, e.g. Direct Deposit from another bank or Real Time Credit. 

The rep did confirm I qualified for the {$100.00} credit for debit card transactions but did not provide a reason on why the credit was not applied or follow up on how to get the credit applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: OH
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 disputed inaccuracies regarding credit inquiries with Equifax. My first issue is the listing of an address that does not belong to me, yet the inquiries are coming thorugh under this address. I have submitted my driver 's license and copies of utiliy bills showing my correct address ; however, Equifax keeps stating that the inquiries have been validated. 

Per my request, I also asked that they would submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Equifax that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistantly disputing including the new listing of this unknown address. 

Again I am requesting that the creditor and Equifax provide documentation baring my signature for consent. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I pulled my credit report on Equifax and found 3 previous addresses listed where I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried reaching out to this company. They claim I owe a debt. I spoke with the original creditor and explained that I never got any bills, invoices or otherwise delivered to my home or email. I was never called regarding any missed payments. As a result, I have come to a resolution with original creditor. I never owed Collection Bureau of American any funds nor did I have a contractual obligation to this company. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation '' ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. It is illegal for your company to report a status, on my credit report, as paid when the payment was not made directly to your company. I would like the account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Account status incorrect

Complaint:
The Credit Bureau, Experian, is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from XXXX XXXX XXXX. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. The attached student loan breakdown is the same from the school and has been in good standing, never late as report but Experian has them both confused. 

The collection agency : XXXX XXXX XXXX sent a notice to Experian on XX/XX/2020 to close this debt because they could not validate this debt with the school. The school would not give them any information to validate where this debt is coming from and who its for so their policy is to close the debt. 
Experian closed the wrong account and closed the student loan to XXXX instead of the collection debt to XXXX. Please correct ASAP!

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 2020-05-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax dispute XXXX XX/XX/2020 XX/XX/2020 PENDING This remains pending. I am a victim of ID theft, I contacted them by phone and they want me to mail my ID and SS # via unsecured mail. That is not correct, I have no issue submitting via a secure and encrypted link - but not in the mail especially both documents together that would be horrendous if it gets in the wrong hands. This has been way past the 30 day timeframe and it needs to be resolved. As per the law, Equifax must remove the accounts and notify the other credit bureaus for their removal as the investigation has passed the 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-17
Company: Experian Information Solutions Inc.
State: DC
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:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX does not have data about my date of first delinquency, worst delinquency status, or cause for derogatory status. They have very limited data, they have said when they spoke to me via phone. This account resulted in a derogatory status. The customer service agents working at XXXX cant even tell me why my account was derogatory or even if it ended in a positive or negative account status. I would like to have this account removed or deleted permanently from my credit file due to this discrepancy and lack of information supplied by the creditor. They have also applied these discrepancies after account closure in 2017. Has been disputed and dismissed before.

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 2023-02-09
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( Mar. 27, 2020 ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ).

If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).

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 2023-02-22
Company: Experian Information Solutions Inc.
State: PA
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 a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-23
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: Old information reappears or never goes away

Complaint:
XXXX  does not have data about my date of first delinquency, worst delinquency status, or cause for derogatory status. They have very limited data, they have said when they spoke to me via phone. This account resulted in a derogatory status. The customer service agents working at XXXX cant even tell me why my account was derogatory or even if it ended in a positive or negative account status. I would like to have this account removed or deleted permanently from my credit file due to this discrepancy and lack of information supplied by the creditor. They have also applied these discrepancies after account closure in 2017. Has been disputed and dismissed before.

Company response to consumer: Closed with explanation