BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During COVID my wife was unemployed due to XXXX, so I requested Forebearance from my lender XXXX XXXX XXXXXXXX which I was approved, this lasted 18 months. after 18 months the bank gave me XXXX XXXX XXXX, I declined it because I thought modification would be better for me. I started modification application back in XX/XX/XXXX, every week the bank will ask for more docs, finally XXXX  XXXX XXXX sold my loan in the middle of the Modification process to Selene Finance on XX/XX/XXXX. 
Since Selene took over servicing of my loan I've been sending them docs and more docs, on XX/XX/XXXX I received letter indicating DECLINE of modification due to lack of income and giving me XXXX options : Short Sale or Deed in Lieu. I appealed their decision using their Modificaiton Appeal Form on XX/XX/XXXX using my XXXXXXXX XXXX income whoe lives with me for {$4000.00}. I called today XX/XX/XXXX to get a status I was told that the Appeal was declined too. Meantime I've received in registered USPS mail twice indicating Notice of Default and Intent to Accelerate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: MN
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 XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX XXXX XXXX  And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company

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 2018-01-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX, XXXX - deposit $ XXXXUSD from personal bank into coinbase XX/XX/XXXX - receive email ( my email is XXXX ) that money will be deposited into coinbase account within 2-4 days XX/XX/XXXX - $ XXXXUSD withdrawn from personal bank XX/XX/XXXX - still no trace of money - transaction status states " pending ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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:
My personal information was stolen unknow to my knowledge it was being used to take credit card debts and all other sorts of credits that went unpaid, and become collections that caused my credit rating to be driven down to the low and lower, not until i look check my credit to find why i was getting denied i realized the ongoing collection accounts. 
I am hoping doing this i can get some help to get my credit rating up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a claim to my insurance company for damages to my property during hurricane season. My mortgage company, Ditech, held the insurance check for processing and releasing of funds. After funds were processed Ditech sent a check to me so that I could pay my contractor. The check was issued for {$40000.00}. On monday, XX/XX/XXXX, I deposited the check in my bank account and advised the contractor the money was ready to start the job ( re-roofing ). I gave my contractor two personal checks for partial the amount and the job started. A few days later, I go into my bank account online and find out that the mortgage company had put a stop payment to the check. Not a phone call, not a letter nothing from Ditech, advising me that they were going to hold the funds. I contacted Ditech and was told that the reason they held the {$40000.00} check is that they were filing for bankruptcy chapter XXXX, and they were court mandated to freeze all their assets. I explained to Ditech, that there were outstanding checks written by me for the contractors and they would bounce because they stopped the payment on the insurance check. Now I am facing legal action from my contractor for non-payment and overdraft check fees for the bounced checks. Ditech told me the best they can do is issue another check since my financial institution would not redeposit the insurance check. I asked Ditech for a letter explaining the situation so I can show my contractors what the issue is, and Ditech refused to send me a written explanation of the problem, stating that is it not company policy to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 recently learned there was credit card bill in he amount of {$460.00} for a capital one card. My report shows the account has been closed or debt sold. I have never had a capital one card before. The account was opened in XXXX 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company inaccurately reported the account as being thirty days late on payment to Experian, which reduced my score by XXXX points.

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 2018-01-09
Company: AES/PHEAA
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:
Following the receipt of my credit report late last year from the XXXX, XXXX and XXXX consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.I never had two separate student loans.  Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts.  I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies.  They were also ignored with no explanation whatsoever.   Once again - I never maintained two separate student loan accounts.  This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, XXXX and XXXX consumer credit reporting agencies.  My FICO credit scores have been severely impacted as these separate accounts report as collection entries.   I now file my complaint to the CFPB seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I went to hospital in XXXX 
Hospital did not bill the department of veteran affairs like I said to, and they sent the bill to collections immediately. 

I have the VA agreeing to cover the care and the creditor stated that they are removing it. 

Transunion isnt updating their system to reflect this change and the damage to my credit has not been reversed.

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 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On the date of XX/XX/XXXX I had my money stolen from my bank account without my authorization I dont know how that happen because my card has always been with me and I dont share my card with anyone else. I had {$1000.00} taken out from my bank account from this bank XXXX XXXX and this is the place where the money was taken out XXXX XXXX XXXX XXXX XXXX XXXX XXXX .after seeing that I called the XXXX Bank of America support center and they froze my account and replace it with a New card. They are investigating right now and it says that it can take 45 days. Im out of money and I need it to pay bills I filed a police report already with my local police here in XXXX XXXX. Please help because a lot of people in my situation are been taken advantage by the criminals and we are suffering. We want them to be XXXX  and have a solution to this ongoing problem.

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 2022-03-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
New Complaint, I am Depressed Very Bad, XXXX is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to XXXX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law

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 2017-10-28
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted my recertification for the XXXX XXXX XXXX plan. This was accomplished by submitting the application as well as my tax return. 

Yesterday, I received the following e-mail : " We received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your form at this time because your request was not complete. You still need to provide complete income documentation. 

Please follow up on this request to take advantage of this repayment option. IDR plans are a great way to reduce your monthly payment amount because they take your income and family size into consideration! 

The easiest way for us to continue processing your request is if you upload your income documentation to us directly at XXXX. If you prefer to mail or fax your documentation, it is helpful if you also include the enclosed form. This will allow us to direct your request to the correct department for processing. 

You must supply alternative documentation of income if you did n't file a federal income tax return within the last XXXX years or if the XXXX XXXX XXXX ( XXXX ) on your tax return does not reasonably reflect your current financial situation, for example, if you had a decrease in income or you are no longer employed. Any of the below are acceptable proof of income as long as they are less than XXXX days old. 

Pay stubs : Make sure you write the frequency of pay ( weekly, every other week, etc. ) if it is n't clearly stated. 
Certified letter or statement from your employer Proof of self-employment Please do not send in your year-end IRS Form XXXX. These typically are not less than XXXX days old. Therefore, they usually ca n't be used to calculate your income. '' This is a totally outrageous failure to comprehend the basic nature of the documents submitted. The federal income tax form is MORE THAN ENOUGH to show what my household income is. There has been no change in my status. 

This is now the fifth time this year that FedLoan Servicing has botched a simple request. I 'm perplexed as to how they are allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/2019 I ordered a vacuum cleaner from XXXX XXXX XXXX, XXXX XXXX XXXX wi XXXX through there preapproved creit catalog, I was very displeased with it and returned it to them by mail with the postal stamp that came with it, One week later they started phoneing me and sending me a bill for {$7.00} which now is & XXXX .... This has been going on well over 8months, I have contacted them many times to tell them that I am not send them money I donot owe, they continue to send me threating bills and phone calls, I have reported this to the XXXX as well, please help me to stop this harassment for happening on a weekly basices. 

SINCERLY YOURS, MR , XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I filed a dispute about three derogatory remarks from a closed account from XXXX. For example XXXX XXXX reported a late payment which is inaccurate and has been allowed to report a late payment from XXXX to my report each month dropping my credit score each month. My credit scores is dropping around XXXX point a month due to inaccurately reported information. Most recently on XX/XX/XXXX my score dropped XXXX points due to a closed account reporting the same late payment from XXXX, but reporting it each month.

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 2022-03-30
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an account with Synchrony Bank Home account since XXXX. Back in XXXX I misplaced my credit card and called Synchrony Bank for a replacement card. However, I never received a replacement card to use my account. 

On XX/XX/XXXX I received a notification from the credit bureau. When I reviewed my account, I noticed that my Synchrony Bank Home account was no longer showing on a credit report. Then I see that the account was closed by the creditor stating lack of usage. With respect I can not use my card if I misplaced it and requested a new card and never used it. I did not owe a bill and my payment history is exceptional. Nor was I notified that the card was going to be closed. 
Im very disappointment by these actions and unfair treatment by Synchrony Bank. This has also adversely affected me causing my credit usage to become higher. Also, my credit score has decreased as well affecting my overall credits score. I can not gain access to my account online to review bill payment history, and merchandise purchases. 

We have been in a pandemic for over two years, and the world is moving forward opening up in XXXX and my credit card becomes closed makes no sense 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 2021-11-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted Equifax on XX/XX/XXXX about the investigation of the following accounts : Collection, XXXX XXXX XXXX, XX/XX/XXXX, {$5400.00} Collection, XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} Collection, XXXX XXXX, XX/XX/XXXX, {$320.00} Collection, XXXX, XX/XX/XXXX, {$630.00} Charge-Off, Credit Card XXXX XXXX XXXX XXXX {$5300.00} Charge-Off, Loan, XXXX XXXX XXXX, {$640.00} XXXX XX/XX/XXXX, opened XX/XX/XXXX Charge-Off, Credit Card, XXXX XXXX {$430.00}, XX/XX/XXXX Late Payments, Unsecured Loan XXXX XXXX, {$9000.00} XXXX XX/XX/XXXX XXXX Payments, Auto Loan XXXX XXXX, {$19000.00} , XX/XX/XXXX XXXX still have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 wrote a letter to TransUnion on ( XX/XX/XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as Trans Union, "  shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 7 accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXt ( XXXXXXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX (  XXXX ) I received a response letter XX/XX/XXXX stating that these accounts have been verified as accurate and updated. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid and still contain asterisks as numbers. The law states that the correct and complete information should be provided upon request.

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 2021-11-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: AES/PHEAA
State: NJ
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:
XXXX XXXX has updated my credit report to 150 days late from 120 and this is 4 years old. I was having financial difficulty 4 years back and i was 120 days late not in XX/XX/2019 XXXX switch it from 120 to 150 causing my credit score to drop 89 points. The account has been in good standing for over 3 years, This was a spiteful maneuver for a reason unknown to me. I called and asked them to change it back to 120 but they refused even though its from 4 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/XXXX there was an unauthorized charge of {$320.00} to XXXX XXXX on XX/XX/XXXX I notice the fraudulent charge and filled a complaint with the credit card on XX/XX/XXXX credit card said : can find no basis to support the claim and charge the unauthorized charge to me I asked for the facts or basis but, they no answered After called them several times They still refuse resolve this claim

Company response to consumer: Closed with non-monetary relief