BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: GUARANTEED RATE INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, my mortgage was transferred from Stearns Lending , LLC to Guaranteed Rate , Inc. I started forwarding payments to Guaranteed Rate in May, as per the notice received. I talked to an agent to find out what was going on and to make sure they got all of my information from Stearns, as well as my Loss Mitigation paperwork. My Payments were {$730.00}. Payments went smooth, as planned. On XX/XX/XXXX, I received a notice in the mail that my mortgage was transferred, yet again. This time, from Guaranteed Rate , Inc ( subserviced by XXXX Mortgage ) to Guaranteed Rate, Inc. ( subserviced by XXXX XXXX XXXX ). Payments start on XX/XX/XXXX going to XXXX. The payment amount due per notice is {$730.00}. My XXXX payment got kicked back to my bank. I called customer service. They could not find my account. They told me that it just may not be in the system yet and to try again after the holidays and that I could not be penalized due to RESPA. I tried paying twice more after the holidays. Both payments kicked back. I called customer service and they told me to call XXXX. I did and went over my account. The agent told me that they have not received a payment since XXXX and that my mortgage would not be transferred to XXXX until XX/XX/XXXX. She told me to call and find out what I owe because she couldn't tell me because they don't have my entire account. 

I have been unable to contact anyone by phone. When they call me, I am either working or no one is on the line when I answer. It just hangs up. I got an email from XXXX stating that my transfer was supposed to occur but it was stopped and she doesn't know where my account is. 

As of today, I have been unable to pay my mortgage due to technical errors and no one can tell me where my account is or what my Loss Mitigation terms are or where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please refer to my earlier CFPB complaint XXXX dated XXXX/XXXX/XXXX. 
As per that : XXXX Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. The latest issue - the customer service folks are not even aware of the correct XXXX Routing #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. This is so careless mistake by the customer service. Citi has a usual habit or pattern of making simple things complex. Moreover Citi has  grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank. 

================================================================= Essentially speaking Citi customer service gave me wrong information about the XXXX routing # and thus the direct deposit failed. 
This failed direct deposit was totally Citi 's fault and they accepted it also. 
When i was opening this account - it had a promotion of {$500.00} - i fulfilled that by applying the right promotion also. It was opened using the webpage that they had at that point of time. 

Once again citi is trying not to honor their words and deprive me of the promotion.

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 2022-02-22
Company: EQUIFAX, INC.
State: TX
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:
From XX/XX/2020 until the current date of XX/XX/2020... XXXX, XXXX XXXX  Equifax have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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 have recently received my credit report and realized there is an incorrect reporting on my credit file. Transunion is reporting an incorrect report from XXXX XXXX  on my credit file. I have sent correspondence to them on the incorrect information being reported on my credit file and have requested for them to remove the fraudulent report as it is hurting my credit rating. It does not belong to me and have requested its removal and complete deletion from my credit file.

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 2021-01-26
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called me on my cell phone I told them I was working couldnt talk proceeded to call my phone 5 times in a row then called my employment I told them to call back later I hung up and they started calling my job 18 times in a row

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Genesis FS Card Services, Inc.
State: PA
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:
Received a credit card statement on XX/XX/2023 for a card I do not own. Its a Milestone Mastercard. The addresses on the statement are : Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX and Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ( XXXX ) XXXX Claims I owe {$35.00} Company want my full SS #, which I refused to give. They told me to file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Because of their terrible services, I cancelled XXXX cable/internet services on XXXX/2014. I paid it off and turned to XXXX ever since. It 's been about three years that they keep harassing me by sending me a bill of {$120.00} which I DO N'T OWE. I have provided them the evidence and documents according to which I do n't owe them a penny, but they keep sending the same bill via a collecting company. This has impacted my credit score and I want to buy a home. Please help me get rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

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 2023-03-15
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:
Last XX/XX/XXXX, I sent a complaint to remove the suspicious and erroneous items in my file. So acknowledge this complaint as a follow-up to my prior letter to ensure the deletion of these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
Company: EQUIFAX, INC.
State: AL
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:
Upon checking my consumer report today, I have seen that there is fraudulent information and accounts specifically the XXXX XXXX XXXX and XXXX XXXX XXXX. Just so you know, I never lived in this apartment. My information was exposed in the Equifax data breach and I am a victim of multiple fraud. This has caused me so much that I can't even move forward with my life because of this situation. 

The other two credit agencies are not reporting and deleted these accounts due to fraud. Equifax is the only agency who is reporting this apartment and they should remove it as what the other agencies are doing. I attach screenshots. This needs to be cleared ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is being sent to you in response to your recent fraudulent verification of an unknown XXXX account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of Florida medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THEY HAD NO REASON TO CLOSE MY ACCOUNT AN WHEN THE BANK CLOSED MY ACCOUNT THE BANK NEVER SENT ME MY MONEY WHEN THE BANK CLOSED MY ACCOUNT!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Navient Solutions, LLC.
State: CA
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 had Sallie Mae, the NAVIANT student loans for a longtime. I have been steered in may directions, I originally borrowed {>= $1,000,000} for my schooling which has now grown into a balance of {$400000.00}. First, I believe they have miscalculated the amounts I owe, which includes misguiding me so that options were not discussed and/or any possible ramifications, secondly, no one ever explained anything about deferments, any other options to me thought my loans which I have been paying for nearly 20 years, they do not have any answers for me, when I ask them, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX Amount {$240.00} Opened XX/XX/XXXX Original creditor -XXXX XXXX Midland keeps trying to collect debt that was discharged in bankruptcy. They purached a junk debt, they have reaged the debt and refuse to review papers showing debt was discharged in XX/XX/XXXX. They are causing me financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase withdrew money from me on XX/XX/2021 through means of ACH Fraud without my authorization. They were probably hacked on their end. I can not access my coinbase account to login and validate or verify any transaction history somehow. The amount taken without my authorization was {$2700.00} USD. I want my XXXX MONEY BACK NOW! I last logged into my coinbase account on XX/XX/XXXX and somehow money was transferred from my XXXX bank  account without my authorization into coinbase on XX/XX/2021. I of course am no longer able to access my coinbase account. I called your phone numbers to report fraud and can not get a human being and used your so called unlocking system to try to regain access to this account which has my personal bank information and am unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
This is the second time Santander has reported a late payment incorrectly. The first time around, they completely ignored my request for a correction of reporting. I had to go through a credit repair company and pay to have the reporting corrected. Now after this debt has been paid off on XX/XX/2020, they report a delinquency on my credit on XX/XX/2020. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: C/C Financial
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a charge that was debited out of my bank from Preferred Lease in XXXX, TX. someone had purchased furniture TWICE in XXXX, IL. I put a stop payment on both charges and I also filed a dispute through XXXX I received notification from XXXX that the account " the account belongs to me ''. I live in XXXX, NC, where I've been ALL my life. I have tried to contact Preferred Lease numerous time and the information they provided was erroneous. I need this XXXX charge OFF of my credit report.

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