BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, I called Dovenmuehle to ask what programs the have available for COVID relief in the event that my tenants were unable to pay their mortgage. This is on a rental property. I simply called to inquire about my options. I did not request to be placed in forbearance and I did not agree to be placed in forbearance. I was however, placed in forbearance and my credit score has been significantly affected negatively. I am in the process of refinancing my primary homes mortgage and being told that my credit report is showing a " serious delinquincy ''. I have contacted the lender Dovenmuehle with minimal response other than saying they have removed me from the program, which I should have never been placed into because the account was always up to date and there were no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
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:
This alleged company ( XXXX XXXX   ) state thati have a banking account with them although I don't I have no idea on where this bank is located at, I've sent in my ID, certified affidavit form, with a police report, and ftc identity report, I've reported this to my credit bureaus and yet its is going 3 months of a constant investigation every time its gets to the 30 day mark is just automatically re-investigate and take my credit score down please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I did bill pay online on the XXXX XXXX. I have receive three calls one every day asking for payment. This payment is not a month behind actually two days. I asked to be remove from their list to call my phone. They are more than welcome to send mail but wanting them ti please stop calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 called PNC Bank to get payoff on mortgage. We were given email XXXX XXXX XXXX and the info they required and told they would mail us a payoff total. 
XX/XX/2020 We made an online payment of XXXX to go to our principal of XXXX. Their system would nor allow us to pay the XXXX. 
XX/XX/2020 Instead of paying the full amount of our payment to principal they made a single monthly payment to the mortgage and then applied the remaining XXXX to the principal. We also explained that we have not received our payoff total. They told us to fax the request to XXXX and fax XXXX so we faxed to these numbers. We were also told to allow 7-10 days and that we would receive payoff total and growing interest total in the mail. We also noted that PNC took out XXXX for PMI evwn though we obviously havw paid down more than thw 20 % required. We were also told that they will not allow us to pay the remaining XXXX at this time. There is also a XXXX outstanding fee showing up on the account that we do not know what it is for and it does not show what date it was added to the account. 
Today is XX/XX/2020, Twenty days after our initial request for a payoff. We now have another monthly payment due on XX/XX/2020 of XXXX. 
Can you help us with this? We jusr want to get our house paid off. We are an older couple that are not working due to XXXX and XXXX and do not want this hanging over our heads accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I faxed a letter to transunion regarding inquires on my credit report on XXXX/17 by fax advising that the only authorized inquiry I made was with XXXX XXXX XXXX all and requested that all other Inquries be removed as I did not authorized them. I recieved a letter in the mall stating they were not removing them. I sent a 2nd fax on XXXX17, recieved confirmation that it was recieved .There was a computer glitch that caused inquiries to be deleted .Transunion later added them all back onto my report without giving me the legally required notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them them delete the inquiries that they illegally re-added.These inquiries add hardship and my rights have been violated by Transunion and as of today XXXX/17 I still have not recieved a response back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I started the process of refinancing my existing mortgage held by Loan Care/XXXX XXXX. I chose them because they had my existing mortgage and I thought it would be simpler. My girlfriend and I submitted all the paperwork, tax statements, bank account info, etc by XX/XX/XXXX. Despite multiple phone calls and emails, our closing has still not occurred. Our rate lock expired XX/XX/XXXX, but they state that they will honor it. But a refinance should not take 5 months. And we stil do not have a closing date. 

My personal contact person is XXXX XXXX, who has been very polite, but this is till not going anywhere. XXXX XXXX has also contacted 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 explanation
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a credit card offer from Wells Fargo directly in my email inbox stating I had been invited to apply for their Platinum credit card. I responded to the offer and applied for said credit card. A week later, I received a letter denying my application stating as the reason : " Not a XXXX XXXX XXXX XXXX  ''. 

I am a working, highly educated lawful XXXX, on a XXXX XXXX  and I have been a client of Wells Fargo since XXXX. The fact that my application was denied due to me not being a US XXXX XXXX  holder demonstrates that I was clearly discriminated against due to my XXXX XXXX  and lawful XXXX  status. They pre-approved me for a credit card but once I responded to the offer, I was unfairly treated, discriminated against on the basis of my XXXX XXXX. 
As a woman of color, XXXX  and belonging to an XXXX minority, I could not, in good conscience, stay silent as many now in America face discrimination and unfair treatment due to being a minority. 
I have reached out to Wells Fargo via email on XX/XX/XXXX, in regards to this matter but they have not responded to my claim. 

According to the Equal Credit Opportunity Act : " The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, NATIONAL ORIGIN, sex, marital status, age, or because you get public assistance. '' In XXXX, Federal Judge XXXX XXXX from XXXX XXXX ruled " the right of noncitizens, including those with XXXX status, to be offered credit on the same terms as U.S. citizens in a lawsuit against Wells Fargo in a case identical to mine. 

In that sense, I do have grounds for legal action, however, I would rather settle this matter amicably, that is why I am reaching out to CFPB for assistance.

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 2023-01-30
Company: Experian Information Solutions Inc.
State: AR
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'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent : 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2018-02-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made online transfer ( ACH ) {$2000.00} from my checking account to COINBASE, INC on XX/XX/11. The coinbase website stated that the money will go to my account in 7-10 business days. It has been 25 days so far. And I have filed a ticket to coinbase support, but received nothing so far. My ticket number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have two private loans with XXXX. One of my loans has my brother as a co-signer. XX/XX/2016 I lost my job and was n't able to make the payments. I called each month to let you guys know I was n't able to make my payment. I also asked several times to be put back in deferment due to not working. I was told they did n't have any options for me. So know my two loans are in Recovery. My rep is XXXX. I feel they are not working with me. I 'm doing the best that I can and I feel they are not working with me. But, continue to tell me that my loans will be given to a lawyer or agency. I paid my monthly payments every month before I lost my job. I feel that I 'm not being treated well. Is there something that can be done? Can I be put on a payment plan vs XXXX calling every week asking for a payment? I also paid {$1300.00} over the last few weeks and I receive calls stating my loans are in recovery. I have to always tell them that I 'm working with XXXX. Then they see the notes that I am working with XXXX. I wish they would review their notes before calling me every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2019, I opened a checking account with Citi Priority using their online website. 
At the end ofXX/XX/XXXX, when I had not yet received a debit card, I called to find out what was going on. Citi told me that the card had been mailed out and that I should be patient. 

I called again on XX/XX/XXXX, was told that the card had been activated and used at the end of XX/XX/XXXX, and that the card had been originally mailed to an incorrect address. They opened a dispute, but refused to close the account or to correct my address in their system. 

Between XX/XX/XXXX and XX/XX/XXXX, I called an additional eight times and spoke with more than 20 Citi employees. They advised me to file a police report, which I did on XX/XX/XXXX. A copy of the report is attached to this complaint. Citi still refuses to update my address, proactively communicate with me in any way, refund my money, or close the account even though they know that it is being used fraudulently. 

Citi reps have told me to knock on doors around my neighborhood to find out who used the card, told me to stop calling, that I should be glad that it's not a huge amount of money, that I should " get a life, '' and numerous other unprofessional comments. They've also given me contradictory and conflicting information about the account and how I can get this resolved. The only thing they all agree on is that they will not close the account and will not refund my 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 monetary relief
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXXXXXX XXXX XXXX  - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed XXXX XXXX is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time

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 2023-01-30
Company: EQUIFAX, INC.
State: VA
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:
Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on EQUIFAX, XXXX AND XXXX CREDIT reports as well late payments reported in EQUIFAX, XXXX AND XXXX CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on XX/XX/21 talked to the bank of America customer-responsive about my son 's account overdraft fees the lady call XXXX said she will take care of both XXXX dollars from my son 's account but after two weeks later I found out they didn't refund back to his account then I call again this time I talk to their supervisor XXXX she says they won't refund because the bank not responsible that I told them they promise she keeps saying no what a joke the bank XXXX  to me never keep their promise.

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 2021-05-26
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
Please help me out here i have been trying everythng under the sun to get this stuff fixed on my credit report. This is really causing me a lot of pain and XXXX  bc nobody seems to be folling the fair credit reporting act and still reporting false information with out even verifying things with me. They aren't updating me on things and its been over 70 days. 15 united states code 1681 ( i ) clearly says that they have 30 days and it has been 75 days and these issues are still hurting my credit. Even with covid these high interest rates are making it hard to survive. I need somone to help the credit agencies take me serious because they are stalling and just giving me the run around. They are violating my privacy rights and my rights as a consumer. My info has also been compromised in the equifax and XXXX data breaches to make things even worse. Please i need this incorrect items off of my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: CA
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX INC Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXXXXXX Inquiry Date XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, TX 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