BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: MO
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 account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this XXXX XXXX Account has been disputed with Equifax. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company XXXX XXXX in several occasions with no success on any resolution. XX/XX/XXXX the XXXX XXXX  account was challenged through equifax to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I can not access my coinbase account. www.coinbase.com will not let me log in. That account uses email address XXXXXXXXXXXX I created my account around XXXX 2017, was able to access it, deposited some funds, and purchased some Ethereum. About XXXX I lost the ability to access my account. I log in with my account email and password, both are accepted. Most of the time they request a confirmation code via the phone application Authenticator. Most of the time I do not get that notice. 

Their help pages are of no help what-so-ever. They do not provide any reasonable method of contact. 

I have been trading emails with XXXX who claims to be from Coinbase for 20 days now via an account at XXXX. Her responses are very slow and do not address the problem. 

On my last attempt to log in I got the Authenticator notice, entered the number, it was accepted, but the web site said I have a difference computer and they need to verify it. They said so check my email. I received an email about how I can buy more currency but nothing what so ever about verifying my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: AL
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 / Navient is reporting my student loan account information inaccurately. XXXX XXXX XXXX / Navient is reporting that I pay a monthly payment of {$1900.00}. The problem is, I have never paid a payment of {$1900.00} because I have either been in forbearance or deferment status. My credit report should reflect accurately what I have paid or that the status in which I am currently in. This inaccurate reporting affects my dept to income ratio which adversely effects my utilization rate which has a negative effect on my credit score which results in me getting financed at a higher interest rate. I have spoken with Navient several times only to have them tell me to file a dispute with the credit bureau. I have filed a dispute with the credit report only to have Navient send up the same information. According to the Fair Credit Reporting Act, my credit report should accurately reflect my monthly payments therefore, XXXX XXXX XXXX  / Navient should be reporting {$0.00} or Forbearance or Deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to refinance my home to find a lien on it. My ex husband claimed bankruptcy and wrapped that portion of debt he was assigned into the bankruptcy. I was not on the loan not was assigned the debt through the divorce process. My final divorce decree clearly states the debt is his alone. Navy Federal credit union even after showing them the divorce decree and the deed which is in my name only refuses to remove the lien and had even suggested I sue my ex husband to pay the lien off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
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:
ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX AND XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON 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 2020-10-13
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: Investigation took more than 30 days

Complaint:
THE COMPLAINT WAS SENT BY ME. YOU ARE COMPLETE SCUMBAGS AND YUR ACTIONS ARE TRANSPARENT. I SENT THE COMPLAINT. YOU DID NOT INVESTIGATE UNTIL AFTER THE 30 DAYS. YOU THEREFORE MUST DELETE THE DISPUTED ITEMS. THAT'S THE LAW,

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 2018-06-18
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB I have requested from Roundpoint Mortgage Servicing Corporation [ RPMS ] an audit of all credits and debits to include new monies in the amount of {$21000.00} added after the loan modification. I have made this request on several occasions dating as far back as XX/XX/XXXX. RPMS finally replied on XX/XX/XXXX, but RPMS continues to refuse to account for new monies in the amount of {$21000.00} added after the loan modification with XXXX XXXX   was approved. 
I have been in discussions with XXXX XXXX, employee initials XXXX, at XXXX XXXX. XXXX XXXX was the original loan initiator on XX/XX/XXXX and XXXX XXXX   stated that ALL information pertaining to this loan was transferred to RPMS. 

Here is a recap : *Original loan date and amount XX/XX/XXXX {$410000.00} *12 month forbearance period ( XX/XX/XXXX ) with XX/XX/XXXX *Loan modification approved after 12 month period by XXXX XXXX *Loan transferred to RPMS at the end of the forbearance period on XX/XX/XXXX * {$10000.00} paid during forbearance period at $ XXXX/month *Interest paid for XX/XX/XXXX was {$12000.00} *Interest paid for XX/XX/XXXX was {$6300.00} *Loan balance when transferred to RPMS was {$400000.00} *New money in the amount of {$21000.00} added after XX/XX/XXXX *Current Principal balance {$32000.00} ( I have paid off more than 90 % of the principal amount ) Amount in dispute {$21000.00} plus interest Quick math : *The forbearance period was 12 months *One years interest is approximately {$12000.00} ( XX/XX/XXXX ) *The interest paid in XX/XX/XXXX was {$6300.00} *Roughly {$6400.00} in past due interest *Late fees and penalties waived by XXXX XXXX during the forbearance period The attached documents from XXXX XXXX will confirm the quick math and do not show a {$21000.00} in `` delinquent interest ''. 

In the letter dated XX/XX/XXXX, XXXX XXXX XXXX, RPMS SR Vice President, response states it is delinquent interest but refuses to provide a detail audit of this amount in addition to all payments received during the forbearance period. I have been requesting this audit since XX/XX/XXXX. I understand my signature is on the loan modification documents but RPMS still has to give me a detailed audit of the {$21000.00}. I noticed this amount shortly after I signed the loan modification documents and questioned it immediately there of back in XX/XX/XXXX to which I was told it would be corrected. 
Understand that {$21000.00} plus interest is a large amount which a homeowner would not ignore ; much less a questionable practice like this one from a financial institution.

My attempts with RPMS to correct this issue have been in vain. RPMS shows it's arrogance by refusing to provide a detailed audit of these so called " delinquent interest '' and all payments received.

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CITIBANK, N.A.
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:
XXXX XXXX XXXX XXXX provided me with a letter dated XX/XX/2018 stating the following : Please be assured, we updated the credit reporting agencies to report the credit limit as ( XXXX ). Please allow the credit reporting agencies approximately ( 30 days ) to update their records. ( See attachment. ) As of XX/XX/2018, more than ( 30 days ), the credit bureaus have not updated their records. Per the Fair Credit Reporting Act, the account must now be deleted from all 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 non-monetary relief
Consumer complaint received 2018-06-25
Company: Solomon and Solomon, P.C.
State: CT
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:
Solomon and Solomon pc account paid and closed as of XX/XX/2017. Asked for a letter of closure never recieved it. It is still showing up in my credit report as a collection debt, negative reporting. They have not yet taken it down or sent me a letter that the account is paid in full and closed. Need to take action to take it down, they are refusing to take action. This is causing conflict in employment and carrer advancement along with rental and credit history.

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 2018-06-18
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back in either XX/XX/XXXX or XX/XX/XXXX my loan provider, XXXX, double charged me for my loan payment that month. I did not notice this, but they reviewed my account and realized they did this and sent me a check in XX/XX/XXXX. Upon receiving this check, I deposited it at my bank on XX/XX/XXXX where it seemingly went through. A couple of days later, I got the money retracted from my account because the company authorized a stop on the check. They claim that the stop was issued because the name on the check was incorrect ; however, the name on the check was mine and the check should have been made out to me as they double charged me. In addition to this, the company claimed that I am late for my last payment which does not make sense because I have automatic payment on which takes from my account and has for over a year and a half now. The company said that they were going to put my account on review to see if they can fix the issue. The company has promised to call me back within the day. I am currently waiting for that call but honestly do not expect them to get back to me in a reasonable time. This is not however the only issue that I have had. My account is cosigned by my father ( who cosigned for all of his children ). A couple of months ago one of my payments did not come out of my account but somehow came out of my sisters bank account. Now my account with XXXX is completely separate from my sisters and should not have any of the information shared. This issue was eventually fixed after my sister spent hours on the phone with the company. After they fixed that they then proceeded to take the money out of my brothers bank account the next month who had already paid off the entirety of his loan and did not owe the company anymore. The customer service for this company is ridiculous and they constantly believe that they are right even if they are taking money from the wrong accounts and essentially stealing it. Stay away from this company if you have the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There was a home invasion burglary of my home in XXXX, XXXX. Since then I have had my identity hijacked, and am the victim of identity theft. I have been bombarded with attempts to open credit in my name on a regular basis for the last year. I have placed a FRAUD ALERT that requires the creditor to call me before approving new credit in my name. So far this method of protection has protected me against about 30 attempts to open new credit in my name. However, on XXXX XXXX, XXXX, I received a letter stating that Synchony Bank in Florida had issued a new Walmart credit card to a XXXX " XXXX ''. Please note that is not my current last name! I called them, and they would not close the account, even though I informed them of the fraud! They did check the credit bureau prior to issuing credit. If they had checked the credit report, they would have seen that there was a " FRAUD ALERT '' requiring that I be called prior to approving new credit. They did NOT call me! I was forced to call Walmart Corporate office to inform them of the fraudulent credit card approved by Synchrony! Walmart Corporate assured me that they had closed the fraudulent account. I would like to file a complaint against Synchrony Bank for issuing fraudulent credit that could have been prevented if they had followed policy and checked the credit report, and then called me before issuing credit as specified in the 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 2017-11-14
Company: Finance of America Holdings LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, XXXX, XXXX, Tx received a certified letter from me that contained a insurance co. check, XXXX, insurance estimate, & roofer contract for a new roof on my residence. They said they would issue me a check for my roofer. 
On XX/XX/XXXX, I returned a phone call from XXXX XXXX. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said XXXX XXXX would call. No call as of XX/XX/XXXX. 
On XX/XX/XXXX, I called & asked for a supervisor. They said no. 
No one ever said anything about incorrect information. 
This has been a big stall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a loan serviced by Ditech ( XXXX XXXX XXXX ) for over 3 years. Each year, my escrow account 's funds were excessively short. The rate the impounds were collected at were set by the loan servicer and were not decided by me. I allowed the shortage to be spread with payments the two prior years.
In XX/XX/XXXX, I received a new notice that my escrow account was again insufficient. I 've watched the escrow account 's insufficient balance grow year after year and had enough. I chose to make a payment to Ditech to stop the cycle of the impound account not being collected correctly versus continuing to spread the shortage. It did not appear an end was ever in sight. If you look at the history on my escrow account, it 's relatively static. It does not make sense that it would continually be short, unless Ditech set the impound rate incorrectly from the start. I paid my supplemental taxes on my own. The only escrow activity on tax payments, PMI, and hazard insurance. The payment amounts for these items fluctuate insignificantly.
Ditech gave me the option of mailing a check, which is not how I conduct business in XX/XX/XXXX. On XX/XX/XXXX, I called Ditech and spoke with XXXX. She informed me that I could make an online payment. Because the payment would be applied to principal/interest, she instructed me to send a secure email asking for the payment to be reprocessed toward the escrow balance.
On XX/XX/XXXX, I made a payment with Ditech for {$2600.00}. On the following day ( XX/XX/XXXX ), I sent Ditech a secure email asking for their help with reprocessing the payment. Ditech failed to respond to my inquiry. On XX/XX/XXXX, I sent Ditech a follow-up secure email asking for their help. On XX/XX/XXXX, I received a reply from Ditech indicating my " request is being reviewed for appropriate processing. '' When I called on XX/XX/XXXX, Ditech had no issue attempting to sell me a refinance to my loan. Apparently, responding to routine service inquiries is an issue to Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Bank of America sent us proof that on XX/XX/2012, they did a Principal Adjustment of {$65000.00}. This adjustment is not being reflected in our statements or in what is being reported to 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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have been re-aged repeatedly - see attached XXXX, XXXX, XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.

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 2018-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have one existing Capital One Card. About 2 years ago, I called the credit card company and asked them to lower my Interest rate. I believe that my credit score was in the mid-700 's. At that time, I had two Capital One cards and had paid off these cards a few time with large sums of money paid. I believe that this company has been discriminating against me for some time. When they refused to lower the Interest rate the first time, I had that Bank canceled one of my cards. After I canceled that card, I began to get harassed by this bank in regards to my online activity where I would pay the amount owed. The Credit Card online account on numerous time had my password being changed, and I had to wait long periods to get it taken care of. I filed a Banking Complaint against them more than once. What can you do to assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Pep boys XXXX has not increase my credit line Makes it tough to use the card in fear of maxing out credit limit

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 2021-05-19
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting 4 derogatory accounts on my credit report with no creditor lkistged. I am unable to send out validation request because i am unaware who is reporting these accounts or if these accounts belong to me. I have sent 2 disputes letters to equifax since XXXX asking them to investigate these accounts and i have yet to receive a written response or see any updates on my credit report. 

Equifax unverifiable accounts- XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation