BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax credit bureau is outsourcing call centers to ignorant foreigners in XXXX that should never have U.S. consumers social security numbers and proprietary information. When I call Equifax and ask to be transferred to a representative in the United States, the do not honor my request. Equifax should be fined for this practice. 

Equifax is charging me monthly in the amount of {$17.00} for a Equifax Complete Advantage that entitles me to unlimited credit reports and score. I have tried to access my report today and in the past and am unable to do so. The website gives me a message that they are unable to complete my order and directs me to call Equifax at XXXX. I have called this number and the ignorant foreigners in XXXX advise they can not get this fixed and they escalated it to the Equifax I.T. department to resolve. Over a year later, I am still having this issue and it does not get resolved. 

I am submitting this CFPB to try to resolve the issue with Equifax. 

Consumers should be angry that their Equifax credit reports and Social Security Numbers and confidential credit information is being sent overseas to XXXX and possibly other countries. 

XXXX XXXX gave these greedy companies huge corporate tax breaks and the corporate greedy companies send our U.S. jobs offshore. 

Shame on a Equifax and corporate America.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2018 Lender XXXX XXXX Loan Officer XXXX XXXX NMLS # XXXX did not disclose the charging of 1 % of Loan Amount ( Points ) prior to settlement of loan closing. He failed to disclose the rate 3.875 % was based on the paying of said point ( {$13000.00} ). We questioned XXXX XXXX about the paying of point, he replied " this was standard, and it was to late in the loan process to change. '' XXXX XXXX never mentioned the applying of point to obtain the loan rate of 3.875 %, nor did he offer to withdraw it when ask after we realized what he had done.

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 2020-06-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : 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 2018-04-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received letters from the risk management dept of Wells Fargo telling me they were closing all my accounts. my 2 business accounts, my business savings, my 2 business lines of credit, my 2 personal accounts, my personal savings, my personal credit card, my personal line of credit, ALL my accounts. I have been a loyal customer of Wells Fargo for 34 years and all my accounts were in good standing. I thought this had to be a mistake so I spent endless hours on the phone talking to supervisor after supervisor seeking higher authority asking them to please correct this or give me an explanation. No matter who I spoke with all they said was it was a business decision and they don't have to give me a reason. This caused me thousands of dollars of my time and has caused me so much stress trying to seek answers and spending endless hours on the phone and searching for a new banking institution, setting up all my account, bill pay, ACH withdrawels, etc. My business is complex and this caused me at least 2 months of my time and the stress has been overwhelming. I even went in to the local branch and the manager could not give me any answers as they have no authority and I suppose if they stuck their neck out too far they would get fired. Wells Fargo is a Dirty bank that abuses their customers because they can get away with it. This has affected my credit score because of them closing my credit card and credit lines. I owe a balance on 2 of my business lines of credit totaling {$150000.00} and they are telling me because they are closed I need to pay them in full and they can not restructure them into a simple interest loan. They turned me over to their small business collections and offered me to pay 60 % of the loan and they would write it the rest off but it would affect my credit score. I can not come up with that kind of money nor do I want to harm my credit score. They have put me in difficult position along with the many hours, money and stress that comes with it. Last month I saw a few articles regarding Wells Fargo closing peoples accounts that shouldn't have been closed. A year ago we refinanced a home though a broker and Wells Fargo bought the mortgage. This last XX/XX/XXXX we moved and bought a home and Wells Fargo bought that mortgage so we are good enough for them to buy our mortgages but they cancel all my other accounts? This company needs to be accountable for their actions. I have attached some of the letters I received from them cancelling our accounts. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Error account or fraud account account was paid XXXX  XXXX Original creditor XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX This bill is from motor vehicle accident on XX/XX/XXXX This bill is part of a motor vehicle accident the was paid out by insurance company and if this bill was not paid buy insurance company any unpaid bills was sent to XXXX which is a 3rd party company who collects unpaid bills that my personal insurance or motor vehicle insurance may have not paid out So any unpaid medical bills I owe from this motor vehicle accident was sent to optum to collect payment and when this motor vehicle accident was settled by XXXX  XXXX was included in this and they agreed to take a settlement for unpaid past due bills from this motor vehicle accident to clear any medical debt i received from this motor vehicle accident this debt was part of that and paid off in settlement this account did show up on my Equifax credit report in XX/XX/XXXX settlement was in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: AMERICAN EXPRESS 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: Reporting company used your report improperly

Complaint:
Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from American Express and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from American Express addressed personally to me stating that I was denied credit card because of my credit report. What! I called American Express and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The called multiple time back to back today 5 time in less them 5 min. They also leaving voicemail on voicemail with not Id factors on the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Citizens bank has taken {$410.00} from my account for overdraft fees. I am opted out of overdraft protection, and have also documented account minipulation, on behalf of citizens bank. I have taken screen shots of the bank flip flopping withdrawls, and deposites to bring the account negative for preauthorized debits or checks. There was also a situation where my mortgage lender withdrew my mortgage on the wrong date. After correcting the lender, and the funds being returned, citizens would not refund their fees. This transaction was on the XXXX, but was later changed to the XXXX by the bank. On the XXXX it showed the withdrawl at citizensbank online site. I find these fees excessive and criminal. After speaking with the chairmen, XXXX XXXX, i did not receive my refund. I have documents to prove bank account minipulation as well as the return of mortgage payment by the lender. I have also been charged fees out of no where, with no trace of bouncing the account at all. This bank is nothing more then a bunch of crooks. More documents availible then attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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:
THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON 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
Consumer complaint received 2018-04-14
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are a Family living in XXXX Florida, Me, my Husband and XXXX teenagers daughters, I work for the XXXX XXXX XXXX, and my Husband is an XXXX, last year we had the impact of one of the most destructive Hurricanes from the past 20 years and under federal disposition all mortgages together with credit companies agreed to help the Florida residents holding payments for 2 or 3 months and putting those payments at the end of the mortgage life that was the agreement with US Bank our Mortgage lender, we verified before accept the help that the credit will no be affected and the monthly payment keep as before, after the first month without payment all statement came with all late payments fee, plus threatens of foreclosures, and our credit was seriously affected, we called several times, and their response always was that the system generated those warnings automatically but everything was under control and they will do a modification without affecting the current monthly payments in XX/XX/XXXX the first month after the 3 month hurricane help, well in XX/XX/XXXX our nightmare began, the modification last 3 months now we have to pay in full in 6 moths the 3 months of hurricane help that should be placed at the end of the mortgage life, then our first payment as soon as in XX/XX/XXXX jump from XXXX to XXXX for the next 6 months that include the month after Hurricane XXXX XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX plus the late fees ( XXXX ) that they agreed not to charge resulting in a total of XXXX, far from a hurricane help this is an abusive and coercive method of removing our home after 14 years of loyal costumers always paying on time it makes sense the housing market value is around {$330.00} and our debt is XXXX and we already paid in 14 years to US Bank XXXX, maybe more and our first preconstruction sale was XXXX. We are a mid-class family my oldest daughter is getting to the university, and the youngest in XXXX XXXX. We are very frustrated with this situation because of looks like if we do not have any rights and the banks have you as a prisoner due to the debt. This Institution is our last resource we beg you for help. We have no choice, no options as the US Bank repayment plan agreement says dated on XX/XX/XXXX, anything else means Foreclosure. Thank you for being there to give us some Hope.

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 2021-02-10
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare took over the processing of my mortgage loan from XXXX XXXX  XXXX XX/XX/XXXX. I went through the process of setting up a new account there their process. Now when I try to log in I get an error. I have worked for 4 days with LoanCare to try to get them to help me work through the problems. They continue to lie, make up excuses why things are not working to no avail. It takes 1/2 hour to get through to a real person every time I call them. I have spent over 8 hours trying to work with them on the phone, but they keep telling me to try again in 1 hour, 1/2 hour, next day, but when I try again, the same problem arises. Have be on calls with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the latest attempts to get this solved. It also took 3 or 4 days last week to set up the account. Many problems there, but those have been resolved. But what good does it do to set up an online account if you can not log in? 

Also I was set up to make payments automatically with the old mortgage processing company XXXX XXXX  and LoanCare says that will continue with them. However the payment has not been processed and I have not been credited with the payment so I am incurring increased interest charges since the payment has not been made. I am concerned if I make another payment at this time, they will all of a sudden process both payments since their IT systems are so bad.

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 2021-03-31
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX XXXX XXXX XXXX by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XX/XX/XXXX, and XX/XX/XXXX that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, P.C. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XX/XX/XXXX Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have 3 Devices that access coinbase. In early XXXX my " computer '' coinbase account asked me to confirm my account through an e mail link. That never arrived. Later in XXXX both my cell phone and tablet asked to verify my account through a caoinbase email. neither of those have ever come through. I did what coinbase asked, checked my spam, added them to my contact list. Nothing. I've called 9 times since XX/XX/XXXX, to no avail. customer service is a sham, all they say is we'll look into it, and send you a e mail when we fix it. The emails from customer service do arrive, so coinbase emails are getting through. Its been 2 weeks now, I can not log into coinbase, I can not see my accounts, I can not withdraw my money.

All I get form the " yes customer service people '' is their working on it. Never gets fixed, my computer has been locked out for 6 weeks.

I'm not the only one! 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Lending Club Corp
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please reference my previous CFBP complaint # XXXX regarding Lending Club reporting my XX/XX/XXXX payment late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report. After correcting their latest attempt at reporting me late, they just did it again today, XX/XX/XXXX, for the 5th time, this time on my XXXX report.

I submitted email evidence with my previous complaint from Lending Club confirming that they corrected the previous 4 credit reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I found a deal with chase for a new savings account. I had to open, deposit {$15000.00} and keep it for 90 days. once the 90 days are up I would receive {$220.00}. that didnt happen, and now Chase is saying that I never applied the coupon code, which I did. they want me to find that coupon code but it was an online link which I can not retrieve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is in regards to my previous complaint with Santander. I received a letter today from them stating that my claim was denied due to inconsistencies. They conveniently left out what these inconsistencies are. Im not certain they even investigated my claim. Now, the letter I received stated the transactions as taking place on XX/XX/XXXX. In my claim, I stated XX/XX/XXXX, which is what is on their banking website. Maybe this is the transaction date versus the posting date? I dont know. What I do know is the last time I used my card was at XXXX for {$52.00}. Every card transaction after this is fraudulent. Again, these transactions are ...

XXXX for {$17.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$800.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$180.00} posted on XX/XX/XXXX, according to the banking website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX XXXX XXXX ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation