BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: Comerica
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have exhausted all options with Direct Express for resolution. 
The United States Treasury has deposited my funds to a " Direct Express '' card and I have not been able to access those funds since XXXX of 2021. Today 's date is XX/XX/2021. 

I contacted Direct Express at XXXX regarding this issue, including, but not limited to, the following dates, backed by evidence from the complainant 's XXXX phone account billing statements : XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm ( duration approximately 80 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 37 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 14 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 23 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 29 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 21 minutes ) XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am ( duration approximately 12 minutes ) Over the course of the above stated dates, Direct Express sent me a replacement card to access my funds. When recieved, and attempted to activate, the system refused. A prerecorded message said what I entered does " Not match the information on file. '' A live representative assisted me with activation. That was not successful either, so another replacement card was issued. 

When second replacement card issued, I again attempted to activate to no avail. A live representative, again, tried to assist and was unsuccessful. I was transferred to the supervisor. Again, no success in activation. I was then transferred to the supervisor 's supervisor who couldn't activate the card either. 

They sent out a third card. Activation was unsuccessful. 

Please note, at one point the Direct Express XXXX tried to personally activate my card on a conference call with the automated system. I provided my XXXX digit account number to her. She entered all my information and all i did was enter a pin number. Still, no success. " I have never had this happen before, '' she said. 

I have called phone number XXXX, the Direct Express XXXX line multiple times as well. They took my information and someone called me back. Most recently, they sent me a fourth replacement card via United Parcel Service, and charged me according to their policy. 

Activation of the fourth card was unsuccessful. 

After failure to provide access to my funds for nearly two months, Direct Express must be held accountable. I have exhausted all options with Direct Express for resolution. I just want my money. Therefore, this United States Combat Veteran submits the aforementioned complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
As of today I have discovered an email from Coinbase stating that they have restored "full functionality" to my account. While this is partially true, it is old news and does not come close to fixing this issues I've been having for almost a month. The Coinbase Exchange has failed to respond in a timely manner to assist with the overall issue I have been experiencing as far as reinstating my ACH Bank Accounts so that way I can buy larger amounts, sell and return money back into my bank accounts. I'm not very happy with the timing or the way this case has been handled since it all began; all I just want to do is have my Bank Accounts reinstated, but in order for that to happen, Coinbase Support has to reinstate them for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CATHAY BANK
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted the Mortgage application to Cathay Bank on XX/XX/2020. They asked me to submit all the documents and wait for a month. After pulling my credit from two bureaus ( XXXX, XXXX ), I only agreed to pull credit from one bureau, they did not notify me. Later on, they refused to provide me with a Pre-Approval letter, they refused my application to modify the house price and asked me to pay the Credit Report fee, I did not pay, and finally waited for 2 months and they unreasonably refused my Mortgage application. 
This is the worst Mortgage service I have experienced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19
Company: Access Financial LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I originally got a loan for {$300.00} and the payment plans was the following : Payment Schedule : 1 {$100.00} XX/XX/XXXX 2 {$100.00} XX/XX/XXXX 3 {$100.00} XX/XX/XXXX 4 {$100.00} XX/XX/XXXX 5 {$100.00} XX/XX/XXXX 6 {$100.00} XX/XX/XXXX Then I had a medical emergency and I contacted them and we agreed on a new pay back loan structure below, yet they keep claiming I owe them more money. The loan keeps increasing even when they gave me the new payment plan below. They claim on now owe them {$860.00}. My loan never goes down, it just keeps getting higher and I can't afford to keep paying this. I am on XXXX and I only get {$1200.00} a month. I will never have this loan paid off. How can they give me a loan payment plan and then lie about it. I should only have two payments left, but I will be dead before this is ever paid off at the rate they are going. I should only have 2 payments left if you go by their last communication with me. 

Dear XXXX, Your payment plan is detailed below. Please ensure funds are available for payment to process according to the due dates you requested. 

Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: SC
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 mailed 2 disputes to Equifax regarding a collection agency that is reporting medical debts on my credit report. The collection agency is XXXX XXXX  Equifax reported that the debt was verified. I sent a debt validation to XXXX XXXX as well asking them to verify the 4 collections that they reported to Equifax. XXXX XXXX has 4 collections on my credit report from 4 different medical facilities. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 2017,  XXXX XXXX sent me a billing statement with insurance information and codes. The statement on the top has " write off '' on it. The cover sheet sent has my name and correct address, the statements sent does not have my name or address correct. I asked that they verify ALL of the collections they have on my report and they only sent a billing statement from XXXX XXXX which has all the wrong information also they failed to provide me with a Contract bearing my signature or anything verifying that they own the debt and that I agreed to pay a third party collection agency. I then sent another dispute to Equifax who is reporting that these collections were verified.This company is using unethical tactics to collect on debts they can not verify and Equifax is reporting that they verified the debt when they have not. These unverified accounts are damaging my credit and my ability to obtain credit and I would like them deleted immediately. 
The unverified collections that continue to report on my credit file have the following account numbers : XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
case XXXX still an issue and lender not taking payment. I never mention to stop automatic payment. just changed account to draft for auto payment. if they stopped it, they need to fix. the payment is late yet again and the lender 's poor process is affecting me as a consumer affecting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Problem : Ditech is my mortgage company looking at the statement since XXXX and what I owed versus what I paid, unable to understand how the money paid was allocated and to whom because new statements reflect new/different charges. Also my Principle on XX/XX/2017 was XXXX and in XX/XX/2018 its XXXX but I paid XXXX in XXXX. I have called and was told it was being review and someone would get back to me but they dont and today was told to submit the request in writing but the agent was not sure about any details and when someone would get back to me. We were behind on our payment and since XXXX have been aggressive about catching up and last time we spoke, like the time, prior, and prior to that, was told to pay this amount and then you will be caught up. I think part of the issue is that inXX/XX/XXXX {$4500.00} was reapplied to my account. This is money what was paid and applied prior inXX/XX/XXXX. In XXXX of XXXX the money was backed out to my account, backing out monies from Principle, Escrow, advances or anything related to the loan and the remainder was applied to monies owed but I still think I am over charge and with details, I could understand if I am not, that is a possibility

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CL Holdings LLC
State: IN
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 submitted four disputes in the last two month to XXXX Jefferson capital is a debt collector thats been on my credit report fraudulently. I have my discharge paperwork from the courts that show this matter is closed and due to a XXXX XXXX bankruptcy petition and closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX  only CAP1/WMT Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX CAP1/L & T Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I visited a Bank of America branch in XXXX Florida. I made two mortgage payments totaling {$3100.00} ( please see attached documents. ) The payments were for the month of XXXX and XX/XX/2021. The payment was in the form of a check in the amount of {$2700.00} and {$500.00} in cash. There was a residual amount of {$51.00} was credited to my checking account. I signed into my account XXXX days later and the payments had not been credited. I went back to bank and spoke the assistant manager who submitted a service request ( XXXX. ) She explained the payments were credited to my escrow account, the service request will reverse the payments and credit accordingly. Please see attached documents. As of XX/XX/2021, the payments gave yet to be applied and Bank if America has reported me as " delinquent '' in my credit report thus affecting my credit score in an adverse manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I made 3 separate payments to Synchrony Financial. A payment of {$300.00} another of {$800.00} and another of {$300.00}. For each payment I received an initial confirmation that my payment was being processed. On XX/XX/XXXX I received 3 separate notifications that my payment posted to my account on XX/XX/XXXX. My statement closes on the XXXX of each month at XXXX EST. On XX/XX/XXXX I obtained a copy of my credit report and it showed that XXXX XXXX Synchrony Account was updated on XX/XX/XXXX. However, the update did not reflect my 3 most recent payments. On XX/XX/XXXX, I contacted Synchrony Financial they confirmed that they did receive my payments and that it did post on XXXX. When I asked why the balance did not reflect my payments and why the statement did not include payments that were confirmed posted on XX/XX/XXXX, I was told the system had n't updated. My credit score has dropped tremendously based on the usage that is reflected. There are life changing things that I need to do and that drop in my score will prevent me from obtaining the necessary financing to do so. Based on the confirmation, when I made the payments online on XX/XX/XXXX I expected the updates to the credit bureau to be accurate. It is very misleading to receive a confirmation that your payment has posted and is in the current billing cycle but, what is updated to the bureaus may not reflect that. I have many other creditors and it is very clear what the cutoff times are for payments to post to my account. In the event their systems are unable to generate statements ( real time ) the statements are not generated right away. I believe Synchrony owes it to their customers to ensure they are reporting the most accurate information. Cut off times for payment should be very clear and included in verbiage of the e-mail notification for posted  payments. Like other companies Synchrony Financial should delay generating their customer statements to ensure their system has properly updated before sending erroneous and inaccurate information to the bureaus. I 'm hoping you can insist that Synchrony Financial puts a process in place to provide proper updates and send the corrected updates to the bureaus immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been in contact with XXXX as well as XXXX, XXXX and Transunion. XXXX  has removed some of the accounts but there are still 5 posted on my credit report. Transunion and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.

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 2021-12-07
Company: Lending Club Corp
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX credit card and I received a card with micro chip in the mail. 
2.XXXXcompany made aware on XXXX 3.XXXX XXXX account opened in my maiden name which I haven't used in over 20 years-XXXX they were made aware the account is fraudulent. 
4.XXXX-mastercard account-I could not contact anyone on the phone about this one. 
5.XXXX debit card=Someone opened this under my first and middle name-reported XXXX 6.XXXX debit card=came with someone elses name on the card-I called and made then aware I didnt open this account. 
7.XXXX bank account-debit card with chip came in mail-made aware on XXXX 8.XXXX XXXX opened a bank account in my name-I made them aware on XXXX 9XXXX XXXX-bank account opened in my name-made aware in XXXX 10.XXXX XXXXXXXX XXXX XXXX opened a bank account-called -made aware XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: MO
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:
Credit inquire does not belong to 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 2021-12-07
Company: Experian Information Solutions Inc.
State: NJ
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:
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in a timely manner.

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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove 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 2020-02-26
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove 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 non-monetary relief
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
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:
On XXXX XXXX 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- WELLS FARGO DEALER SERVICES 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is with Loan Depot. I am currently in a Conventional mortgage. I am applying for a XXXX VA loan . Loan Depot 's position is that they can not process due to VA Seasoning requirements. 

I informed Loan Depot that VA Seasoning requirements apply only to VA to VA loans. My loan again is Conventional to VA. I have provided to Loan Depot the VA XXXX XXXX, which clearly states this. Please see Page 4, paragraph d ) as evidence.

I have escalated to senior management at Loan Depot, and they refuse to acknowledge that I am correct. 

This is disadvantaging veterans because interest rates are rising. 

I am the following applies to me : 1. XXXX Veteran 2. XXXX XXXX Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have hard inquiries on my record that I never authorized. I have a fraud alert on my account and I am to be notified when inquiries are presented. I have not granted permission to anyone to pull my credit since XX/XX/XXXX 2016. There are three hard inquiries on my credit report. I have filed disputes through the credit bureaus. But they have been denied. I recently learned of identity theft to my likeness.

Company response to consumer: Closed with explanation