BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an email by US bank on XX/XX/XXXX that if I open a checking account and set up direct deposit by XX/XX/XXXX, I 'll get {$200.00} bonus. I completed all the required conditions. However I still have n't received the {$200.00} bonus. I tried to contact US bank multiple times in the last 4 months but still no reply.

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 2018-03-25
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, Equifax and XXXX   have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX Equifax deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I submitted a request to coinbase on XX/XX/XXXX at XXXX stating that my account may have been compromised because I did not recognize a CC that was associated to my account. Literally 3 minutes later at XXXX on XX/XX/XXXX I emailed and stated that I remembered the account was a disposable credit card that I tried to link to get the funds off of. I did/do not have access to see transaction details for the card because it's just a prepaid cc so I was unable to see deposits to the card to verify it. 

Coinbase then locked my account. I emailed them multiple times trying to get my account unloacked. I have not received any response from them in over two and a half weeks. I emailed them on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. I have received no response. I have contacted they're telephone support number and they continue to tell me that there is nothing they can do. They will not provide any means in which to contact the department that is responsible for unlocking my account. 

They are holding my money hostage, I am unable to access my funds and they are doing nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: U.S. BANCORP
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:
My Fidelity credit card was closed because, as Elan claimed, they sent me a letter asking for information and I did not respond. I never received that letter. As a result, they closed my account and forfeited all rewords points. 

I have contacted Elan and they are not willing to re-open the card or re-issue my points. Given that this card was marketed by and named " Fidelity '', I believe Fidelity needs to act on 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 2021-04-07
Company: Advanced Resolution Services Inc.
State: FL
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:
I sent a letter to Advance Resolutions Services , Inc on XX/XX/2021 located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX and they received my letter via certified mail on XX/XX/2021. I requested that they mail me a copy of my consumer disclosure report and they have failed to do so. I want my consumer report mailed to me immediately as it is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX 2019 I purchase a vacation package from XXXX XXXX on line. I choose my vacation dates and I was sent a email stating the resort promised was sold out for the entire year. I called them the next day to canx but they said to wait for a couple of months and things would open up and to be patient. In XXXX I tried again and they said that I did not qualify for this vacation but I could be upgraded to their gold package. Again I tried to canx but they said I could not. I contacted Bank Of America on several occasions and they sent me jumping through many, many hoops and then stating they never heard from me only once. I am so worn out from this fraud purchase for {$99.00}! 
I contacted the XXXX and the company stated it was a accounting error and the check would be sent out right away. Of course it was not. The XXXX reopened the case and again they said they would refund but nothing. Bank Of America has been awful and lacking in customer service skills, they refuse to help! This fraud company keeps collecting money and never refunds and is getting away with 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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On my Transunion report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX from XXXX. I consolidated my XXXX loans to XXXX XXXX. Transunion had them as being collection accounts with a XXXX balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. Transunion said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. Transunion then told me they would only be on my credit report til XX/XX/XXXX, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/XXXX never told me the transfer to XXXX. I am tired of fighting these loans.

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 2019-02-12
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Creditor/Collection contacted myself but failed to send required documents proving validation of debt within 5 days and now sent an email threatening numerous illegal procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: The Phoenix Recovery Group
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:
From XX/XX/XXXX until XX/XX/XXXX we lived in XXXX XXXX XXXX in XXXX XXXX, Texas and we signed a 6 month lease that was set to expire XX/XX/XXXX. Upon 3 days after our move-in we noticed that our building had a roach infestation and we asked them to take care of the matter. The apartment allegedly scheduled for an exterminator to come spray our unit for the roaches. However every time the exterminator came the problem worsened and we were told it was part of the process. We endured this problem every day of our lease as roaches were coming out of appliances, crackes/crevices in the wall, outside, etc. and we demanded that they fix the issue immediately. The roaches were not only a health hazard but the chemicals that they exterminator would use for their " roach clean out '' made it difficult for my wife to breathe whenever she was in the unit. Failure for them to repair the issue left us no choice but to end the lease in XXXX and Texas law states that landlords have a responsibility to ensure their property does not affect a residents health or safety. After all of the certified mail and emails we sent them they did not fix our issue and the day before we moved our apartment flooded in both of the bedrooms of our apartment and they did not fix it. Now they have hired Phoenix Recovery Group to collect an amount that we do not owe and we went to court and a take nothing judgment was granted. They have been reporting negative information on our credit reports for the past 8 months and they are going against a judge 's judgement and it is making it borderline impossible to rent another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wish to file a complaint against Freedom Mortgage Company. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX United States Lender NMLS ID : XXXX The companys handling of my simple request for a payoff of my deceased mothers mortgage has been despicable. I have provided the company with the documentation requested including death certificate and letters testamentary showing me as the legal and only executor of my mothers estate. It feels very much as though, for some reason, the company is stalling. Interest is, of course, accruing as this process drags on. Their total and complete lack of compassion is astounding, nay repugnant. I have spoken with no fewer than five of their employees including a supervisor and I still have received no information regarding the payoff amount. I actually spoke to one Freedom Mortgage representative who told me that, DESPITE THE FACT THAT SHE WAS AT THAT MOMENT IN POSSESSION OF AND PHYSICALLY VIEWING ALL OF THE REQUIRED DOCUMENTS, my request for a payoff amount of the loan would have to go to yet another department. The company has caused us to miss the closing date of XX/XX/XXXX and now threatens to cause us to miss the new scheduled closing date of XX/XX/XXXX. 

I appreciate any assistance you may be able to provide.

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 2019-02-12
Company: United Revenue Corporation
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: Information belongs to someone else

Complaint:
UNITED REVENUE CORP, account # XXXX is reporting on my XXXX credit file with a debt of {$250.00} that is past due/charged off. I have never applied for credit with XXXX XXXX XXXX nor do I have an unpaid debt. I have requested the company provide me with a signed contract identifying that I am obligated or agreed for a debt but XXXX XXXX XXXX could not produce. I have medical insurance and have no unpaid medical debt. This is Fraud and a violation of the FCRA. Based on what I have researched is that this is a someones Medical debt that has been assigned to me. If not removed, I will proceed to getting legal representation. 
In addition, if this was not fraud, the creditor/third party is violating the Fair Credit Reporting Act by reporting inaccurately. Page 4-40 of the XX/XX/2018 Credit Reporting Resource Guide state that companies who report medical debts must report the actual name of the original creditor in the " Original Creditor Name '' field. I have not been able to identify the original creditor to dispute with them. In addition to a violation of the FCRA this is a Unfair, Deceptive, Act and Practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing added {$7100.00} to my mortgage balance on XX/XX/XXXX. " Misapplication reversal ''. I was not aware of this previously because Fay refused to send me any statements, balances or communication of any kind. I only got this following breakdown after the sale of my house and a separate complaint to CFPB on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
I went through the process on www.annualcreditreport.com and asked for 2 free annual credit reports : XXXX and Transunion. I got the XXXX report, but this is the 2nd time in 2 years I was unable to review my Transunion report. They ask questions that are not answerable : they asked under what name I have used for credit and the ones they suggested are incorrect and ... 

HOW CAN I KNOW WHAT INCORRECT NAMES THEY HAVE RECORDED FOR ME WITHOUT SEEING THEIR REPORT??? 

Also, every one of the 3 first questions they asked were " NO, does not apply to me ''. 

So I went of TRANSUNION web site to request it there, but on the 2nd step, they asked for a credit card number ( which by the way, they made no mention of price!! ). ALSO, they forced me to *not* use spaces in my own name on their web site ... which my name does have!!! That's not a technical limitation anywhere in 2018 except with a company that obviously is discriminating against non-Anglo people. 

Transunion is I believe FRAUDULENT. BTW, my credit score is above 800, so this is not about anything else than me wanting to review what they have in my credit file. From the problems I've experienced now TWICE over the years getting access to MY information, I suspect problems in the 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 non-monetary relief
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There have been several hard inquiries on my tranunion report. I contacted them to have them removed but they haven't.. I have frauds alert on my credit report so no inquiries should have been made without contesting me first. 2 times cycle nation has pulled my report.. one tone for XXXX XXXX XXXX. And one 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 2021-09-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a mortgage that was fully paid off on XX/XX/XXXX. My mortgage was transferred from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The mortgage at that time was already fully paid off. In XXXX I had made multiple mortgage payments so that my mortgage was paid through XXXX of XXXX. XXXX XXXX has now reported me 60 days late on a paid off mortgage even though they are stating that the transfer is still in transit and they don't have all the information from The XXXX XXXX. They have made my credit score drop over 100 points on my credit when the transfer of information is still not complete. The same has happened to the co-borrower on this loan and they told us we have to wait 60 days for the transfer of information from XX/XX/XXXX to be complete and then they will fix any errors on credit. They should not be reporting people late on mortgage or any other information on a mortgage when a transfer has not been completed and they do not have accurate information on their end. I am not able to obtain any financing on a loan now because of they reporting incorrect and fraudulent information on my credit report. They stated to me that they have a problem with this for most of their customers, so their internal issues and mess are now negatively impacting my lift and my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A Bankruptcy showing on my report is in accurately reporting om my file and is not mine, i contacted the Bankruptcy courts and they said they did not furnish this information to XXXX, XXXX Transunion, i have uploaded my letter in regards to this 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 2019-02-12
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my Equifax credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, Ga. XXXX Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Designed Receivable Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against Designed Receivable Solutions for Designed Receivables failure to provide requested information for the debt alleged. Designed Receivable Solutions have been reporting a negative line item on consumers credit report that is unrecognized by consumer. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

On XX/XX/XXXX, consumer submit a CFPB complaint after receiving no response from Designed Receivable Solutions. Designed claimed to have not received the letter in a response to the complaint on XX/XX/XXXX, so a second letter was sent on XX/XX/XXXX. On XX/XX/XXXX, consumer received a letter from Designed claiming to show validity for the debt, but it did not provide the requested documentation, including a chain of title showing ownership for this debt. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: BONDED ADJUSTMENT COMPANY
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bonded Adjust has a claim on my file for {$1700.00} since XX/XX/2011! i have been wondering why my credit is so bad and why i have n't been able to attain certain things that rely on credit and this is the major reason! i know this is from a XXXX XXXX i had and I 'm guessing its for the XXXX but at that time i was under my parents insurance being i was only XXXX. this has been on my credit for years and i had no clue about it this is absurd and is killing my credit. i am XXXX years old trying to start up my first business, take care of my family and this stupid medical debt coming from a broken Medical care system is crippling me and my family. please help me get this taken care of. thank you God bless

Company response to consumer: Closed with explanation