BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I ordered a phone ( XXXX XXXX XXXX ) XXXX XXXX. Prior to ordering the phone, on XX/XX/XXXX, I called XXXX ahead of the purchase to gather the proper information needed to decide if I should make the purchase. During this call, I confimred with the customer service representative that upon purchasing the phone that the monthly payment associated with the phone ( {$19.00} ) would be linked to my XXXXXXXX  phone bill and that I would pay XXXX directly for the purchase. I then puchased the phone online through their website, upon receiving confirmation, I was directed to contact TD Bank in order to complete the purchase. This is where even more concern of mine comes into play. I contacted TD Bank on XX/XX/XXXX to finalize and activate the purchase at which point I confirmed multiple times over the phone with the representative that not only would my payment be linked to my T-Mobile phone bill, but that was purpose of this call in general as the linkage can not be done online and required a live representative. Upon receiving the phone, months later, I began receiving bills in the random amount of {$19.00} from TD Bank for an account that I had no knowledge of. I began making phone inquires regarding this account attempting to dispute in XX/XX/XXXX. In XX/XX/XXXX, I believe that is the correct month, I was directed to file a dispute online. This dispute took well over 90 days to resolve and the resolution on indicated that they confirmed I made a purchase with XXXX XXXX. None of my request to look into their deception was reviewed and completely overlooked. I was never looking to open a credit card account, and I have actually never even received a credit card from either organization. However, my credit has been incredibly impacted and I owe way more on the balance than I ever intended on paying for a phone for an account I should have never had. Since receiving the results of the dispute, I have attempted to redispute this with both TD Bank and XXXX XXXX as none of my questions were responded to. I have also been pending a manager call back from TD Bank and made over 4 requests for this just in the last month alone with no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
New car financed through XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX totalled XX/XX/XXXX, XXXX rec 'd full payoff in XX/XX/XXXX. Employee at XXXX in XX/XX/XXXX made error and brought car out of total in system and marked us as 120 days late. WE NEVER EVER MADE ANY LATE PAYMENTS THROUGH CC!!!! I have spent OVER 2 dozen hours on the phone OVER the past 4 years to have this removed off my credit reports TO NO AVAIL. It has cost me credit and interest rates. It still shows up in XXXX " everyday system '' as 120 days late, even though not one payment was even a day late! ENOUGH!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To show it may concern I XXXX XXXX have an issue with discover credit card for something that was promised to me and something that was notated in the system as to receive an adjustment credit of XXXX after completing the XX/XX/XXXX payment as agreed. 
I Am not talking about the credit adjustments discover gave me for the first 2 payment made I receive those adjustments the one Im having a concern about is thr one of XX/XX/2018 I spoken to a representative that enrolled me in to the auto pay payments. s we discuss my account she saw that there was notes saying that after I have completed the XXXX payment of XX/XX/XXXX once the payment had finished process and posted in the account I would get a XXXX credit adjustment for the month of XXXX As I paid the XXXX Days have pass by and nothing has yet been adjusted I repeat this is regarding the XXXX payment not Any other month I Also have that call recorded as all of my calls get recorded for a special reason that for all of my payments I had problems before with different banks and everything was recorded situar I can prove everything we said and discuss is in the recording. 

I am dissatisfied and disappointed at discover for promise someone something and than not doing it. 
I think I deserve it I work hard to become current and have my account back on track

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On or about XX/XX/XXXX, I applied for a Barclays Bank USA credit card. I currently have one Barclays credit card that I have had for approximately 9 years without any issues whatsoever. This card was opened using the exact same address and personal identification as the one I applied for on XX/XX/XXXX. 

Shortly after submitting my application, Barclays mailed me a letter asking for a copy of my driver license, Social Security card and proof of address. Since I am currently with my husband who is on XXXX XXXX with the XXXX XXXX XXXX, I tried to get a fax number to which I could send the requested documents. After an extraordinarily difficult attempt, I was finally given a fax number and I promptly faxed all the documents requested. Well after successfully faxing the documents, I received yet another letter requesting the same documents. I faxed them successfully yet again. 

On or about XX/XX/XXXX, I received yet another letter from Barclays that contained my application ID # XXXX and stated I needed to call to help them verify information on my application. 

I recently had major XXXX  XXXX and am currently XXXX. The letter from Barclays specifically stated a TTY number that could be used for those with XXXX  issues. I used the XXXX XXXX XXXX service to call the number Barclays listed and the number is broke. The number when answered demands a credit cad number, but this is not abut an existing account. After not entering a credit card number, the system then offers ONLY two other options : 1 ) Report a lost or stolen card. Since this issue in no way pertains to a lost or stolen card, I could not select that. The only other option available is 2 ) Check the status of a current application. Selecting that option only states that their automated system can not provide a status update and says I must check online or wait for a letter in the mail. It then promptly hangs up. 

I called the other number listed on the Barclays letter that is not a TTY number. Since I am not able to speak, my husband spoke with the representative and they basically stated I needed to call them myself after my XXXX passes.

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 2019-05-10
Company: EQUIFAX, INC.
State: OH
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 sent a dispute letter to equifax via fax they received my transmission on tuesday XX/XX/2019 at XXXX XXXX ( i included the fax success transmission as proof they received my dispute letter ). I never got my results of the dispute in the 30 days or their process they are violating the FCRA. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  08 XXXX XXXX  its been over 60 days Since these items were not verified at all and they didnt complete their investigation and send me the results i ask these items be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with XXXX XXXX online in XX/XX/XXXX in a process that took a few minutes. I never received the debit card for the account. I called a few times and they said they can't issue a new debit card without the account number. I never received a debit card or checks or anything with my account number on it. Their solution is for me to go into the branch but I moved in XX/XX/XXXX and do not live near a branch. I would have to take time off work to go. I tried to just close my account to end the headache but they said they can't do it over the phone and that I have to mail in a letter. After mailing the letter they told me it had to be notarized and that they couldn't close it. 

I just want to close this account and get my {$25.00} back. If I opened it online and confirmed the opening with a phone call I don't understand why I can't close it over the phone after providing all of my personal information. I have closed bank account over the phone before. I feel like they are just making it difficult so that I won't follow through with closing it.

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 2019-10-03
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-05-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to do a loan modification on my mortgage and carrington mortgage services llc has not been helpful at all they deny me for missing paperwork and they already have it several times they asked for same document denied my application then told me the next time they have that same paperwork that they said they did not have.The most recent denial was for the reason of me not living in the house under fha guidlines even though they knew that there is water damage to property .There is an open insurance claim that there lost draft department is hounding me for the check yet there loan modification dept uses that against me this has been going on for at least 5 years now the reasons for there denial are unjust they use a little bit of the information they have access to against me and never the information that would clear any issues in my favor.They also change how they can communicate with me to there advantage all the time, one week they can email me the next they are not allowed to email me and the same person will tell you that they never were allowed to contact you through email because of company policy even though there is evidence of emails going back and forth for weeks, then all of a sudden you can email the rep again.They also put house on marshall foreclosure sale list without informing me and said that they did not have to inform me of a sale .They turned my last load modification down on a monday afternoon then tried a marshall sale the following morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Phillips & Cohen Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to Phillips & Cohen Assoc. Ltd without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A formal complaint was filed with CFPB ( XXXX ) on this same alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
My capital one card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
It seems I no longer have access to my personal account on Coinbase. 
The first time I tried to access my account and failed was on XX/XX/XXXX or very close to that date. My password does not work. I have not changed it. When attempting to change my password I have not received an email, after clicking on send email. After clicking on resend email I receive a message saying please try again later.

I have not received any response or communication from Coinbase after repeated attempts. When attempting to file a complaint on their site I am required to include a ticket number which I have been unable to obtain as Coinbase has not sent me a reply. 
I have been unable to access my funds for close to a month. Which, from my point of view is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with SPS Select Portfolio Servicing. We have tried to apply for a modification, but have had a very difficult time. Every time we call SPS we get different answers and they always seem to lose the paperwork we fax and email to them. We were never able to communicate, which always caused problems. 

I am XXXX years old and my wife if XXXX years old. I had a XXXX in 2017 which cause a medical hardship and caused me to missed payments. With the help of my family, we are over the hardship and can afford our mortgage. We are both on SSI and I have a pension that can afford the monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EOS Holdings, Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off my XXXX account in XXXX with EOS-CCA from XXXX a debt collector from XXXX. I settled and paid my debt in full under the terms that EOS offered me. 
I am applying for a mortgage and need to have a letter sent to me showing this debt has been settled and need this to reflect in my credit report. My account number is XXXX. 
They refuse to report the debt as paid in full and keep stating it is XXXX 's duty to do so. I have contacted XXXX and they tell me it is EOS_CCA responsibility. I do n't know who to believe. 
I need a letter to be sent to me that I have paid this off and I need to have this information reflected on my credit report as soon as possible. Thank you. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: CARS Acquisition, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a car from XXXX XXXX located in XXXX XXXX XX/XX/2019. I was initially told via XXXX what information to bring and how much down. I brought all required information. My payments are due bi weekly based off my pay date. After getting to the dealership I was asked to pay {$500.00} more down. I was told I can pay it within 10 days. On XX/XX/2019 I made a payment of {$300.00} directly to XXXX XXXX office. That left a balance of {$200.00}. My regular payment of {$210.00} wouldnt be due until XX/XX/2019 and I have a 10 day grace period. On XX/XX/XXXX I received a letter from car financial services saying I owed {$1000.00} by XX/XX/2019. It said I have a past due of {$500.00} and my payment was {$500.00}. I called and said explained my contract says I pay $ XXXX monthly. {$210.00} starting XX/XX/2019 then my next payment of {$210.00} two weeks later. So the person I spoke will pulled my contract and still acted like her contract said something different so I told her I would seek legal assistance so then car financial services said they would t contact me about any payments and send my account back to XXXX XXXX. Since I was having so many mechanical issues with the car and to the point its inoperable at times I requested the remaining {$200.00} be split Into 2 Payments this was agreed upon by XXXX XXXX prior to any communication with Car Financial Services. After speaking with Car Financial Services they still reported false information to my credit report saying my monthly payments are {$1000.00}. My monthly payments are {$420.00} total. Its not even my original due date and Im receiving notices saying Im past due on XX/XX/XXXX. I only owed {$200.00} more on the down payment after already paying {$2800.00}. Also the amount owed on my credit doesnt reflect the {$300.00} I already paid and for some reason my blance is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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:
On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

XXXX lists XXXX inquires XXXX list XXXX inquires Transunion list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).

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 2021-09-17
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i was contacted my XXXX XXXX this morning at about XXXX XXXX by XXXX, employee number XXXX regarding my XXXX  account. recently i had paid my balance in full through the mail. they have not posted my payment yet and it is 9 days past the due date XXXX told me my account was in collections. this is a misrepresentation of the delinquency level of the account and is an obvious scare tactic. i made complaint with XXXX   and spoke to a supervisor, ms XXXX employee number XXXX. ms XXXX reiterated i was in collection and subject to adverse action they are not able to even report me delinquent at 9 days late, much less report a collection. this is an abusive, deceptive practice. please encourage them to change their policy and educate their employees

Company response to consumer: Closed with explanation