BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Will add attachments because numerous disputes have been submitted, receive notifications the info has been deleted but is not.

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 2017-08-07
Company: CITIBANK, N.A.
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:
Dear CFPB. I am really disappointed with the result of the recent inquiry/problem with the citi card reporting me to the credit bureau. I did speak with their representative XXXX XXXX XXXX. She insists that, after requesting paper statement, later on I REQUESTED PAPERLESS STATEMENT. THIS IS A LIE! As well as she said that they sent me a text messages! Another lie! From XX/XX/XXXX to XX/XX/XXXX I did not pay bill, because I WAS EXPECTING BANK STATEMENT. Which never came! I just had XXXX (! ) being charged there, so, I forgot. At that time I was distracted as well. I had very serious personal problem. So unfortunately, I forgot to DOUBLE CHECK my statement online. Which I admit I should have! That is why I am BEGGING YOU, please do n't let them get away with the lie! She said they called me MULTIPLE TIMES! Maybe! But never left a message!!! IT WAS UNKNOWN to me number so, I did not pick it up! When I finally picked up and found out what was it all about, I PAID THE BILL IMMEDIATELY!!!! PLEASE! We, consumers are at the mercy of this financial institutions who time and time again love to rip us off at every opportunity there is!!!! I do not consider this as a fair solution. I have also mortgage with the citi bank. As soon as I pay my mortgage off ( which will be in XX/XX/XXXX ) I am closing my business with them!!! Very unfriendly!!! Unfair institution!!!!

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 2020-11-17
Company: Bread Financial Holdings, Inc.
State: NV
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'm currently reviewing my current credit bureau reporting, and records show an inquiry from XXXXXX/XX/XXXX Wayfair  on XXXX/XXXXXX/XX/XXXX. I have not applied for a XXXX XX/XX/XXXX card or Wayfair card. Evidently the information matches because It's on my credit report, however, I did not submit this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I began a process for a Mortgage Loan on Pentagon Federal Credit Union. I submitted all the pertinent documents as requested by the loan officer. The bank ask me to pay for the appraisal, the property inspection and sign the selling contract with the seller. As part of the contract I have to deposit {$1000.00} on behalf of the seller. After submitted all the documents the closing was scheduled for XX/XX/2020. Because I live in XXXX XXXX, I make reservations for plane tickets and rent a vehicle in order to attend the closing.On the final moment the loan officer cancel the closing and scheduled again for Monday. I request an extension of the selling contract for XX/XX/XXXX and change the flight and rented car. The loan officer assured that the closing will be scheduled for Monday afternoon. For my surprise and the sellers, the loan officer sent an email cancelling the transaction allegedly because the property was a Condo. From the beginning the mortgage lender knows the fact that the property was a Condo and insisted on requesting the documents and paying for all the fees involved on the process. Due to the cancellation of the closing on the last minute, the seller refuse to reimburse the {$1000.00} deposit. I asked for An explanation from the mortgage lender and we received no answer. Due this outrage we lost all the expenses incurred to complete the loan process. We requested the reimbursement of all our expenses estimated in more than {$5000.00} and nobody reply our email.

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 2020-09-02
Company: STATE FARM BANK, FSB
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 have been with this card as a good payer well over 3 years starting in XX/XX/2017 never have been late and do to payment error from their end I was hit with a late payment and my credit dropped drastically. 

I am trying to purchase my home and this late payment unfortunately isn't helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
TD Auto Finance is reporting erroneous lates on my credit file. I received a late on XX/XX/20 by accident and after this I went to their office and gave them the information to auto draft my payment. I made it so this payment would be drafted a week before the due date to avoid any issues happening. When I checked my credit file and noticed a late for XX/XX/20 I was absolutely furious. To begin, this late was not reported until a few days ago, how? I was not made aware of this late payment, never received any calls notices or letters about this late. My next months payment was auto drafted with no issue. I never had to call and make arrangements for the missed payment. This just doesn't make sense. They had all the information and authorization to draft my payments. This was a mistake by them. If it was actually late they would have had to call me to recover that late payment but they didn't, they just drafted the next months payment. I'm not sure what is going on over there but I need this fixed ASAP. Its is erroneous. I was NOT late on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off loan on XX/XX/XXXX. I have not received title from the State of California. CA DMV reported to me on several occasions the Synchrony Band agreed to electronic release of title ( Paperless Title ), and that the information given does not match their record. I have been in touch with Synchrony Bank on four occasions ( XX/XX/XXXX the last ). They said they provided CA DMV the proper information, but DMV reports otherwise. I received two copies of PAPER Release, the last dated XXXX and it was released to me, XXXX XXXX XXXX as sole owner. The Primary on the account is XXXX XXXX XXXX, my mother who passed on XXXX XXXX, XXXX. But, the date of payoff was XX/XX/XXXX. I have provided this information to Synchrony Band and DMV. I have sold this vehicle, and the new owner would like the proper title, as would I. I was informed by a XXXX at Synchrony on XXXX XXXX XXXX XXXX  XXXX PST that Synchrony Band and CA DMV are and have been at odds for some length of time. I was treated rudely today by the representative at the Document Control Department, XXXX XXXX XXXX, XXXX XXXX, FL., XXXX ( XXXX XXXX, XXXX XXXX  XXXX PST ), phone # XXXX, and requested to speak to a supervisor. My number was taken and I received no call.

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 2020-10-22
Company: CBC Companies, Inc.
State: GA
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:
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019, I was notified that FHA wouldnt finance a mortgage loan if the dispute was more than {$1000.00}, rather than continue to dispute the student loan, I paid it off with my debit bank card ( XXXX, which comes directly from my banking account. ) I informed the XXXX XXXX XXXX customer service rep, I need a formal letter stating the loan was paid in full for the underwriting department for my mortgage company to compete my loan process. 
I contacted XXXX XXXX XXXX on Wednesday, XX/XX/2019, and spoke with customer service rep XXXX, and she explained that I could not get a formal letter for 30 days because of the auditing process. I explained to her that would not work since I am trying to finance a loan for a townhouse. I asked to speak to a supervisor, and she gave me to a team leader, name XXXX. XXXX said, I can send an informal letter but I still needed to wait 30 days. I explained to XXXX according to the website I paid was reported, and do not understand why I can not received a paid in full letter. 
XXXX sent the informal letter, and I forwarded it to my mortgage, and the underwriting dept. refused the informal letter by 2 reasons : 1. the loan number on the letter did not match the loan number on the credit report, 2. the letter was not proof, that the student loan was paid in full. 
I again contacted XXXX XXXX XXXX customer service dept., and share with them the statement that my loan was paid via my bank statement. Again, the response was, we do not issue formal letter before 30 days. '' I have reviewed XXXX XXXX XXXX website 's FAQ, and there is nothing stating if the loan is paid in full, you must wait 30 days for an audit. Today, I spoke with another XXXX XXXX XXXX customer service rep, and was told that a manager would reach out to me on Monday, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX from Navient, extension XXXX, called me at XXXX XXXX this morning looking for my sister, claiming I was listed as a relative. This is highly unlikely since my sister and I are estranged and I have seen her once in 15 years, at my fathers funeral. I called back and asked for a supervisor who attempted to tell me it was legal because it was public record. Calling at XXXX XXXX isnt legal and I have my doubts that calling others trying to find a debtor is legal either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2020-10-22
Company: Experian Information Solutions Inc.
State: NY
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I received a letter from Midland Credit Management stating that I owe {$1000.00} for a contract that I never signed with them. Under the consumer law I consider this identity theft because they purchased my information and now trying to get money from me and have been reporting to the credit bureaus which is bringing my score down. XXXX XXXX XXXX sold my information to this company which is illegal under consumer law 15 u.s. 1681 and 15 u.s. 1692a

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: SYNCHRONY FINANCIAL
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:
On XXXX XXXX, 2020, XXXX XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, SYNCB add a hard inquiry on my credit report per 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 2020-11-17
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
As of the morning of XXXX XXXX, 2020 I had the following crypto-currency in an account at Coinbase.org valued at this in U.S. dollars XXXX {$3700.00} ETH {$1200.00} EOS {$31.00} For a total of XXXX {$4900.00} I stored all my money in a " Vault '' on Coinbase.com. I tried to withdraw that money to put it back in a " XXXX '' at Coinbase.com. Each currency has a XXXX and a corresponding XXXX. This was all internal transfers within Coinbase. 

Coinbase uses 2 factor authentication, so to complete the transfer from the XXXX  to the XXXX. First I used XXXX XXXX to put in a code. Then Coinbase sends me emails to my primary and secondary emails. I have to click on a link in these emails to validate the transaction. After that I am supposed to wait 48 hours, and I will have my money in the respective XXXX. 

The problem is that the secondary email validation does not work, only the primary. Since the secondary email validation does not work, the transfer request is never validated properly and as a result the request is cancelled in 24 hours. This leaves my money in the XXXX, where I can not access it. I can not transfer it out to another financial institution. 

This has been a known issue for 3 years, but nowhere on their website does Coinbase warn users about this bug. In fact, there are instructions of how to use the Vaults, as if there is no issue. 

Please see evidence that people have talked about this online for 3 years : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX  XXXX Why has coinbase not resolved this issue? 

I have two support request open with them, but have heard from no person. I have no idea if anyone is working on my request or when it will be handled. 

Case # XXXX and Case # XXXX I have also tried to call, there is no possible way to contact anyone directly. It is all automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted XXXX, TransUnion and XXXX  about false information being placed on my credit report I have asked these companies to conduct a investigation on this information they have in the system because its not me I have brought it to attention that the addresses and names they have in the system or not my name or address so please remove it off my credit report instead of conducting a Actual investigation the agent already said no its you there are just errors with spelling but its you without investing the matter at all so basically they asked me for the spelling of my name and address and put this on my credit report I extremely upset and I want this removed of my record this damaging and fake information is what destroys people lives

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 2019-06-01
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( Additional documentation available ) My mortgage was transferred from XXXX to NewRez XX/XX/2019. The last statement I received from XXXX showed {$530.00} was due by XX/XX/2019. I also received instructions from XXXX stating the amount owed was to be paid to NewRez after XX/XX/2019. 

The first statement from NewRez showed {$570.00} was due by XX/XX/2019. The amount included a fee of {$39.00} labeled Overdue Payment. No late fees were listed on the statement from XXXX. 

On XX/XX/2019, I phoned NewRez. I spoke with XXXX who informed me the charge originated from XXXX. On XX/XX/2019, I phoned XXXX. I spoke with XXXX ( ext. XXXX ) who confirmed my payments were on time. XXXX stated the fee was for something else then said it was for something entirely different by the end of the call. I informed XXXX I was given no notice or anything in writing stating I owe additional fees. 

On XX/XX/2019, I mailed a certified letter to NewRez requesting the late fee be removed from my account. I included a copy of the last statement from XXXX proving no late fee was due. I have not received a response at the time this complaint is being submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2020-11-17
Company: National Credit Adjusters, LLC
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:
National Credit Adjusters told me when I paid this in full they would delete from my credit report. It has been months now and still showing on my credit report. Did they just lie to me about this just to get it paid. I up held my end and paid on the faith that they would delete this from credit report.

Company response to consumer: Closed with explanation