BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I assumed the mortgage from XXXX XXXX XXXX. I have made the payments of {$570.00} there after the assumption of mortgage. I realize the the interest rate is 10 %. The Mortgage was thru XXXX XXXX XXXX XXXX then thru Citi financial and then transfered to XXXX XXXX XXXX. I have some documents dating back to where the payments were going straight to interest and payments going straight to principle. The mortgage was for payments of {$570.00}, and would have expired on XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Citi Financial has taken some action to resolve the interest rate problem from XX/XX/XXXX until XX/XX/XXXX and transferred the correction to XXXX XXXX with interest 10 % and a balance of {$3400.00} due at the time of transfer. Which XXXX XXXX has not done so correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
Hi my name is XXXX XXXX XXXX XXXX XXXX i have 3 problems in my credit report. 

1.By XX/XX/XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is XXXX XXXX. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX XXXX XXXX collection ( XXXX $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in XXXX  but still there and pay just to finish this quick so i dont get my credit bad. 

3. BANK SANTANDER USA ( XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I got a call from someone who claimed herself as FBI officer and she told me my ID was being abused by someone doing drug trafficking and money laundering. Also, my ID and SSN have been used for multiple bank accounts and in order to differentiate my accounts and the imposter 's, I need to transfer all the money in my account to another account she appointed. I initially thought it was a fraud so I hanged up the call but soon later someone called from XXXX and claimed himself as the police officer and told me that was real and I must follow the instructions. I XXXX the number calling from and it does belong to the government agency. Therefore, I wired the money out. Later they asked me to liquid my stock portfolio and wire more money to them, I realized I have encountered a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: LICTY, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Repeat phone calls and emails to put me in a XXXX XXXX XXXX forgiveness plan. I XXXX XXXX XXXX and have for XXXX years. I talked with XXXX @ XXXX XXXX XXXX and gave info and signed off logically on their service. I sent no money but have gotten no info. They have my banking info but no moneyXXXX XXXX XXXX so there is none.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: MI
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:
I contacted Equifax on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Equifax they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Their investigation did not fix an error on your report

Complaint:
In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>XXXX purchase in XXXX, XXXX - it was traded in without a single delinquency in XX/XX/XXXX With that said, the Equifax, XXXX and XXXX credit reports each contained XXXX single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to Equifax, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the Equifax, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the Equifax, XXXX and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to Equifax, XXXX and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with Equifax, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
After reviewing my Credit report with all 3 major credit reporting agencies I noticed Portfolio Recovery Associates, LLC located in XXXX XXXX XXXX., XXXX, VA XXXX have reported a derogatory item under my SSN claiming I owe them {$600.00}. 
I wrote to them and sent a letter via USPS certified mail requesting additional information, and documentation bearing my signature on XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. 
In all 3 instances in the span of 4 months, they have only responded with two pages of XXXX XXXX interest charges, with no details of any charges or documents bearing my signature. I also disputed this item with all 3 credit reporting agencies, and Portfolio Recovery Associates, LLC only responded to them as accurate with no additional info or documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME

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 2018-01-01
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear CFPB, I withdrew XXXX Litecoins from Coinbase as a sell and wire transfer to my bank account on XX/XX/XXXX. I figure that it might take a couple days to process and go to my bank checking account so i waited to check. I then went back on coinbase to check the process on XX/XX/XXXX and found that the wire transfer was processed on XX/XX/XXXX to my bank on XX/XX/XXXX, but no funds were in my checking account. I then went ahead and sent Coinbase an email on XX/XX/XXXX expressing my concern. I heard nothing from them in the next couple days. I decided to give my bank a call to see if they were holding the wire transfer and was told that there was no pending wire transfer into my account. I then decided to send Coinbase another " Follow Up '' email on XX/XX/XXXX since i did not hear any response back from my previous email on XX/XX/XXXX. I was looking for some assurance that my funds were not lost. I did not hear anything from them to this date XX/XX/XXXX. I called my bank again and they said that there are no wire transfers in the amount of {$2100.00} ... I also did a support request on Coinbase including all the information of the withdraw i made about a week ago and still have not heard anything back from Coinbase. I have even sat on the phone with them for 40 mins trying to speak with an actual customer service person over the phone before hanging up because of the wait. Please help me get an answer from them so i can receive my funds from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Transunion seeking proof of this debt : Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They continuously violate FCRA by not properly validating this alleged debt and refuse to remedy 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 explanation
Consumer complaint received 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a capital one Quicksilver one. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) Capital one Quicksilver one 2 ) Capital one Venture one 3 )  Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I use Regions Bank and have 2 checking accounts and one savings account. I have the both checking account set up for taking out of savings if if checking accounts overdraft. I also called to have secondary checking account draft money from main checking account if not enough in savings. Last night my second checking account overdrafted. and there was not enough in savings but I was charged a {$36.00} fee because money was.not drafted from primary account account. I called and was told money can not be drafted from primary account to cover secondary account. I told the supervisor that I had called a couple months back and service representative said I could draft from primary account. This bank is practicing unfair trade actions and should be avoided

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 2018-01-02
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX placed a collection on my credit in the amount of {$2300.00} at the time i had insurance so i had no idea of the bill untill XX/XX/XXXX when i was in the process of reparing my credit. XXXX  removed it and placed it back on my credit without notifying me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. DISCOVER BANK has violated my rights as a consumer. I sent them a XXXX & XXXX on XX/XX/2022 and XX/XX/2022 asking them to cease all unfair communication through any medium but they continue to violate me by communicating with third parties and consumer reporting agencies. I sent them a Debit Validation letter on XX/XX/2022 asking for all documentary material including account ledger, balance sheets, accounting sheets, signed credit applications, XXXX XXXX Agreement and anything else relating to this alleged debt for consumer view and validation. They have failed to respond to my validation request by declining to provide an audit trail. They sent statements only that do not tell where the charges and credits originated or when. DISCOVER has reported inaccurate information to the consumer report agencies which is unfair to me because I have not been able to validate this alleged debt. This has caused me much mental stress because this has damaged my credit. They have harassed and abused me by using obscene language stating I owe this alleged debt. They have sent letters threatening to send me to an attorney which further violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XX/XX/XXXXXXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-02-12
Company: Experian Information Solutions Inc.
State: AZ
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:
Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.

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