BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
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: Public record information inaccurate

Complaint:
I received a copy of my credit report and found there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and request that you have this removed from 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 2020-02-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company, changes variations of its names, dings my credit, pulls it off, dings it again, sells the debt, pings my credit, over and over ... I have made complaint, had it removed, only for them to come back do it again, this company Commonwealth and XXXX appear to be in this together

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: NY
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:
I've been paying my child support obligation via pay roll deduction since XXXX as per court order. On XX/XX/XXXX the child turned XXXX years of age and was emancipated by the courts and the child support payments was terminated. i obtained 3 letters as evidence one from the courts. one from social services and one from the child support stating that the account is closed with a XXXX  balance obligation. This account is being reported as COLLECTION in XXXX XXXX i sent the credit bureau the 3 letters as proof that my child support was not a debt it was an obligation that was fulfilled with a XXXX balance when the child turn XXXX  years. please help

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 2019-05-21
Company: EQUIFAX, INC.
State: OK
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:
This is an attempt to correct my EQUIFAX, XXXX, and XXXX  credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We represent the seller in a short sale with Bank of America on an FHA loan. The purchase contract and documents were submitted through XXXX in XX/XX/XXXX. There is a cash offer for {$330000.00} and after 7 months of back and forth with the lender they finally approved the short sale on XX/XX/XXXX. the approval letter was sent to us via XXXX on XX/XX/XXXX and the close of escrow date on the letter was XX/XX/XXXX. This is not possible with XXXX homeowners associations. I asked for a one week extension to allow title time to order the demands for the closing. The closer at Bank of America said she had to put in a variance with HUD because the ATP was expiring on XX/XX/XXXX which was ordered on XX/XX/XXXX. On XX/XX/XXXX we received a message in XX/XX/XXXX and also a denial letter that HUD ( the investor ) denied the extension. The complaint is that after 8 months of many hours poured into getting a cash buyer approved for a pre-foreclosure property the file was approved and then denied with in a few days with no answers from any party. We need resolution contacting Bank of America and HUD because many people are involved here.

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 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? Transunion is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.

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 2019-09-13
Company: Experian Information Solutions Inc.
State: DE
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:
In XXXX, unfortunately I had no choice but to file for bankruptcy. All of my creditors were included in the filing including XXXX   XXXX XXXX XXXX. At the time I filed, I owed a principal balance and years of interest charges and late fees. Since the filing and discharge in XXXX, XXXX has continued to report the account negatively on the credit report and refuses to remove the debt from my Experian credit report. I have filed disputes through Experian that no one researches. The dispute is resolved each time by robotics within seconds of me hitting submit on the dispute. I really dont know what to do at this point. Please help. I filed chapter XXXX bankruptcy and was punished for my past credit mistakes but this account continues to unfairly be reported.

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 2019-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I had a Chase Secure Checking account and discovered fraud on my account this week. I immediately notified my bank on Wednesday morning, XX/XX/XXXX, and they recommended to me that we close the account and I go into the branch and open a new account. I did as instructed and spoke with a relationship manager who then opened my new account and ordered a debit card. We moved the funds over to the new account and that was that. I have yet to receive confirmation of my new debit card being shipped yesterday or today so I call the bank today, XX/XX/XXXX, and they tell me that due to a review of my account they are closing it with no further communication or explanation. It makes no sense and they refuse to help or to give me the chance to push for a second chance with them. The lack of detailed communication is further infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX  first created a problem when I always kept the bank afloat one day took a numberous authorized other wise termed nonauthorized at the time, withdrawal, but that tipped them to unliking sometimes, talking me, out of removal of disputable fees, and I suppose that one, thing is a causation, but then I look at Unemployment payment that made the positive last time account on XX/XX/XXXX and what happened while I would have had the money, it was a waiver I signed not to repay them the {$500.00} aproximate amount, and yes XXXX did take that moment the moneyback, and nothing else, but then in negative {$150.00} dollars with refunds coming, and deposits as they call it coming through seemingly, I said please, and they lied and they said wait the phone you can not be jusitifed by name or phone number anymore, so I said you won't tell me the account is closed, you closed the savings account in XX/XX/XXXX without permission, and now because I asked about the last fee waiver, they just closed up, and said I am not identified by anything, and will not but allow me to log in and nothing is on the screen, and I think it's abusive, that in the smallest overdraft which isn't my fault, and they questioned me because the deposit was missing of all of a sudden, then, I am a victim of this report by bank, and no one will give me a straight anger free answer, and I am looking for {$5000.00} compensation if for all fees, and they don't then want to justify how I am to love for the rest of the time, without a checking account, and I am XXXX  so that means also citizen, and I feel this is a direct discriminational effort, and I want the state to know about that, and I wrote the President because as XXXX and usual at another position, I don't know how to say us it is well, for the bank system, please thou help,

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 2020-02-12
Company: Ray Klein, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice from Professional Credit Services from XX/XX/XXXX. They show that they are charging interest on an old cell phone bill with XXXX XXXX. supposedly I only owed {$36.00} on XX/XX/XXXX but Professional Credit Services has  been charging 9 % interest on this account. I never signed a contract regarding interest to be added to my old phone bill. My contract that I signed was with XXXX XXXX. Late fees and other service charges were added to my bill but interest was never discussed. I certainly never signed a contract allowing a collection agency to add interest to my account. In XX/XX/XXXX, I began paying on this old bill. As you can see from Professional Credit Services as well as the printout from my payments through XXXX to Professional Credit Service, I have paid a total of {$200.00}. This is above and beyond the {$36.00} that I owed to XXXX XXXX. I feel that this account has been over paid and they owe me money. I only received notice recently of the interest that they have been charging and how much is going towards the principal. 

I feel that I do not owe this debt. I believe that the collection agency should not be allowed to charge interest without my knowledge. Collection agencies should not charge interest without a written contract with the debtor. Please refund my money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Capital Management Services, LP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
By the beginning of XX/XX/2017, I pulled my credit report, immediately I notice suspicious activity on it, there were multiple accounts that did not belong to me, I did my own research and also I filed a Identity theft Police report. 

On XX/XX/2017, I started disputing the incorrect information on my credit report, constantly sending updated documents to the Credit Bureaus. As of today, there is still some wrong information on it. I recently received a collection letter from CAPITAL MANAGEMENT SERVICES , LP trying to settle/collecting on the below account that does not belong to me : XXXX with an alleged account # : ending in XXXX, an alleged balance of {$3100.00}.

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 2017-07-28
Company: Experian Information Solutions 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 been the victim of identity theft and have notified the credit bureau of this by placing a fraud alert on my reports as well as sending in an ID theft report. After going over my reports I did notice some fraudulent information I was able to successfully dispute and remove most of this information except for an account by a company called XXXX that Experian refuses to remove I have notified them via phone call and letters that this is a FRAUDULENT account however they refuse to remove it or give me the information used to verify the account. At this point i have now Disputed this account 3 times and it keeps coming back as verified but when i call Experian they can not tell me what steps they took to verify or investigate this fraudulent account. I am hoping the CFPB can help me clear this situation up as soon as possible. Thank you

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 2020-02-12
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on XX/XX/XXXX with Equifax a my mortgage company XXXX XXXX XXXX XXXX located in XXXX, TN is incorrectly reporting on my credit. They are reporting that I have not paid since XX/XX/XXXX, that I have missed XX/XX/XXXX and XX/XX/XXXX payments as well as me having a past due balance of {$2600.00} and it shows my mortgage balance increased {$980.00} ( which is incorrect ), so the balance on my mortgage is wrong. All of this information is incorrect. My account is current, I have no past due balance, I paid for XX/XX/XXXX and XX/XX/XXXX, my mortgage balance did not increase and instead decreased, my mortgage balance is {$180000.00} NOT {$180000.00}. Again, I submitted this dispute with Equifax on XX/XX/XXXX and received notification on XX/XX/XXXX that it had been completed but still with the wrong information. Equifax did a poor job in getting the correct information updated. I then called my mortgage company and spoke with someone and they said they were able to see that my account was current but they were unsure why it's reporting wrong but could not resolve the issue. They simply asked me to send an email and this has caused my credit score to drop several times. The lady with the mortgage company said they may not have checked my account but why would they report to the credit bureau with incorrect information, without truly checking my account. I'm attaching the dispute section from Equifax showing no changes made and the incorrect information. I'm also attaching a screenshot of my mortgage account online to show my current balance with no past due amount and when the last payment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to KeyBank 's branch to request the closure of my checking account, savings and credit card. I was helped directly at the counter by a teller, he said the accounts were permanently closed, but I didn't get any proof that my accounts with KeyBank were in fact closed. I haven't been given any confirmation or letter, and today, after the facts I still have access to the accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX transfer to COINBASE - my money is gone. 

On XX/XX/XXXX, I transferred XXXXDKK from my own bank account to Coinbase as I would like to invest in cryptocurrencies.

Two days later onXX/XX/XXXX ( where the money still have n't been credited my account on Coinbase ), I received a mail from Coinbase, where they told me that ; " We apologize for the difficulty. Unfortunately your recently attempted deposit could not be processed because we do not yet support this type of currency. 
Currently, it is possible to deposit and withdraw Euro using the XXXX payment system. In order to return your funds promptly, please visit https : //www.coinbase.comXXXX and make sure you have entered your full banking information, including IBAN number.

If you have any additional questions, or if this payment does not return to your bank within the next several days '' Since the e-mail above from XX/XX/XXXX, I have contacted Coinbase several times but still have n't got my XXXXDKK back. I 'm pretty sure the responses I get is auto generated from a bot ( I will include screenshots of the full contact to this complaint - It 's a lot of screenshots! ). 

It has been impossible to get a response from Coinbase since XX/XX/XXXX where I contacted them the last time. 

Please help - I 'm desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CITIBANK, N.A.
State: CA
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:
2 Citicards. Did not receive XX/XX/XXXX or XX/XX/XXXX statement by email for 1 and when I rec 'd XX/XX/XXXX statement I saw interest and late fees. Did a search of spam etc for my gmail and there was no record of the statements being received. I have been their customer for 23 years and always pay my full balance on time. After arguing with several people who told me they would not remove the fees, I sent a letter. Then I received a phone call saying they would remove the fees. I made sure to change paperless billing to receive a bill in the mail for both of my citicard accts. 
So I was satisfied but suspicious. I could have deleted 1 email by mistake but not 2.

Today I received an email stating that my other citicard pmt was delinquent. Same story, only this time only 1 statement was n't received. And this acct had supposedly been changed to paper statement. I called and the fees and interest were removed. 
My concern is that they do n't make much money off people like me because I always pay in full and on time. So I think they are sending late notices when the consumer has n't received a statement, claiming the email was n't 'bounced back '' so I must have received it. I do n't see how this could have happened with 2 cards, me missing 3 emails. It 's just not possible. There is nothing more I 'm asking from Citicards but I want you to be aware in case you get any other complaints. In light of what XXXX XXXX pulled, I would n't put it past them. 
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 2018-01-06
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: American Liberty Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2016 I was applying for a loan in XXXX XXXX Fl I had a very bad experience with XXXX XXXX XXXX He turned me down in the worst way possible like I was a criminal or something. My credit score was a XXXX and I needed to pay off a few credit cards which took me a month so it could show on my next statement. I would stop by periodically just to check on things. The next time he pulled my credit score it was a XXXX and he wanted me at a XXXX. He looked at me and said dont come back Im done with you. Your not going to get there and Im not working with you anymore. I felt crushed discriminated against. Is that some way to talk to a customer? Or was I look at as a customer? I dont think I was a customer but I felt bad like I had done something terrible it wasnt my fault. I just feel like you cant talk to a person like that especially in a professional place like American Liberty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX XXXX, Experiann and XXXX XXXX has cost me to lose XXXX POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account. Other bank credit cards that I paid in full with zero balances and I cancelled the credit cards are reappearing after disputing with balances again!

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