BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit Reporting Agencies reply to complaints " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps '' This is not a response but shuffling paper, pushing off, and a diplomatic answer. The FCRA requires the Credit Reporting Agencies to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. Thus Credit Reporting Agencies have failed and do not investigate.

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 2022-05-15
Company: EQUIFAX, INC.
State: FL
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:
I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY EQUIFAX CREDIT. 

XXXX INFORMATIVE RESEARCH XXXX  FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinance and locked with Citibank end of XXXX. I paid for appraisal, provided all documents and everything has been approved. I was told my closing would be XX/XX/17 ( 90 days ). In XXXX they changed closing date to XX/XX/XXXX. Now they have changed closing date to XX/XX/XXXX. They pulled my credit again yesterday without my permission. They still can't give me a closing date ; they hope XXXX. I have missed out on interest savings. They have mislead me the whole way.

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 2022-04-16
Company: Experian Information Solutions Inc.
State: IL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2015-10-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The original loans were originated through XXXX, XXXX loan when the home was purchased ( loan $ XXXX ) XXXX, {$180000.00} ) and a subsequent XXXX mortgage ( loan # XXXX XXXX XXXX. 

According to our County Clerks office XXXX released the lien for the XXXX mortgage on XXXX of XXXX and sent a letter to us on XXXX XXXX verifying the loan was paid off. 

XXXX of XXXX we filed for bankruptcy and as the process of notifying creditors our law firm contacted XXXX of our intent and they responded the total amount due for both loans was {$73000.00} and that is what the court documented as the total due. 

Throughout the time between XXXX and XXXX we have complied to all requests for consideration of loan modification. Every request was denied due to an additional {$240000.00} owed. 

In XXXX Bayview Loan Servicing is now servicing the loan ( acct # XXXX ) and are labeling the {$240000.00} as a corporate advance. 

The disturbing twist of events has paralyzed our family in fear of losing our home and due to their positioning of the events have left us without any alternative options of refinancing through another lender or selling he home. Lastly, the only secured position through liens is the second mortgage of {$73000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a housing counselor working with a borrower who 's loan is serviced by Bayview. Bayview under charged about {$3300.00} for escrow in XX/XX/XXXX and the borrower elected to pay this amount in a lump sum in XX/XX/XXXX. However, Bayview continues to charge the borrower a mortgage payment including {$370.00} extra for the escrow repayment. Each time the borrower tried to contact Bayview to find out what happened to his payment, the system hangs up on him and he can not reach a representative. We called Bayview together using a desk number for a Loss Mitigation Representative that we had on file at our office ( because I also experienced the inability to reach a live person ). XXXX, the representative we spoke with, supposedly moved the funds.from a XXXX account where they had been mistakenly placed to the escrow account. However, the borrower continues to be charged the additional {$370.00} for escrow repayment. Each time that we contact Bayview we are unable to reach a representative through their customer service line and they give us the run around about the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, Experian, and XXXX. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over XXXX, XXXX, Experian. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

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 2021-12-18
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please see complaint # XXXX for reference. 
That complaint was sent in XX/XX/XXXX regarding multiple attempts to collect the same bill from a collection agency. Now this collection agency has sold to another agency and they are attempting to collect again.. on bills already paid in full. This recent bill, received on XX/XX/XXXX is dated XX/XX/XXXX and is the same amount {$760.00} as three other previously paid bills ( breakdown of bills paid is attached ). This is incorrect and is extortion. I have already cleared all my debts over a year ago yet they still send the same bills over and over and over.. Threatening to hurt my credit that I've worked so hard to maintain. I am including a copy of the complaint sent in XXXX attached, please refer to that complaint for additional information :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions 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:
I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2021 which I attached to this complaint hoping that they will check on this matter.

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 2016-08-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX my wife and I filed for bankruptcy under chapter XXXX. At that time our loan was held by XXXX XXXX XXXX. Starting XXXX XXXX and through the duration of the bankruptcy, all payments were made via the XXXX XXXX. A discharge under 11 U.S.C. 1141 ( d ) ( 5 ) is granted to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX By the court : XXXX XXXX XXXX United States Bankruptcy Judge. 
In XXXX, XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing. In XXXX Bayview began calling my residence and claiming my payments, which were being made under supervision of the XXXX XXXX, were late. I contacted Bayview and was told that while all my payments to Bayview had been on time, XXXX XXXX XXXX told them the loan was one month past due when it transferred. Each month I would contact Bayview, sometimes they corrected the account, but then it would revert back to past due the next month and the " robo-calls '' and harassing letters would start again, which was not allowed under the bankruptcy laws. My credit report currently shows XXXX instances of late payment on this mortgage during our bankruptcy, which is completely inaccurate. Despite numerous attempts on my behalf, including providing them with a full history of payments made since the bankruptcy filing, they refused to correct the problem. This continued even after the bankruptcy has been discharged, and so finally, in frustration, I sent them an extra payment and pleaded with them to re-open the investigation and clear my credit. I have disputed this via the credit reporting agencies now several times, and still they will not correct the issue, which is hurting my ability to re-establish a good credit score and hurting my family financially. For some reason, they also continue to send correspondence to my attorney, even though the bankruptcy has been discharged and I have requested this change several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Account information incorrect

Complaint:
Equifax furnished me with my credit report which included several inaccuracies and missing information. I initiated disputes, based on these inaccuracies. 

Equifax did not investigate my dispute requests. 

I want them to fix the following accounts : XXXX XXXX XXXX Account # XXXX : Delete because you did not update or correct the date of last of activity. 
XXXX XXXX Account XXXX : Delete because the date of last activity has not been updated or corrected XXXX XXXX XXXX Account # XXXX : Delete for unknown collection XXXX XXXX XXXX  XXXX Account XXXX XXXX : Delete this account, because of inaccurate date of last payment ( XXXX ). Account was closed XXXX. 
XXXX  Account XXXX XXXX : Delete account, because the date of last activity is missing XXXX XXXX XXXX Account # XXXX : Delete account, because you are reporting a balance when there is none. 
XXXX Account # XXXX : Delete account, for missing date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase.com had an offer that if you set up a recurring buy of {$50.00}, they would give you {$10.00} Bitcoin reward after the 4th and 8th buy.

Allowing for the 5 days for the reward to hit my crypto wallet, I waited until the 5th purchase to ask where my reward was for the 4th. They said I wasn't eligible at this time. I inquired why, and they replied that the " confirmed '' I wasn't eligible. 

I said that if they could " confirm '' it, then they should know the reason why. Like " you were not eligible because you didn't meet condition xyz ''. Their reply was that they are working hard to quickly address the issue. That's the last I've heard from them. 

I told them that if I didn't get an answer, I would contact the XXXX. I started to do that, but I saw they already have an XXXX  rating and hundreds of 1 star ratings and complaints. So I decided to write you instead. If you read the XXXX complaints, you'll see others like me who were not given the promised bonuses, along with others who say they were locked out of their accounts, or had crypto disappear out of their account, or had transactions where they didn't get all the crypto they should have gotten at the exchange rate at the time of the transaction.

Coinbase appear to be cheating their customers in every was at any opportunity. They should be investigated. Attached are the email chains of my correspondence with them : ===

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: CITIBANK, N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/17 received e/mail stating a e-card frm macys was transacting a purchase via paypal. Transaction # XXXX. Notified XXXX. It was I believe {$25000.00}. I trashed the e-mail.

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 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a credit score that I 'm not understanding. Within the past 2 years actually less than that. I 've opened 4 new accounts and have n't missed a payment nor has it been late with these new accounts. I 've checked my scores recently and nothing about my score has changed in almost 10 years it has been the same. I should 've had 50 points added to my score just for opening the accounts. That would 've given me 200 points to my score in which it has n't. I 'd like to know why this has happened? Why have n't I received the points I should have? I feel as though these reporting agencies are keeping my score hostage at a lower % to make me have to pay more money. I hope this dilemma will be rectified and give me the score and credit that are correct. 
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 2016-06-17
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the beginning of 2016 my escrow balance was up, I was out of the country and did n't receive notification then in XXXX I did pay at time, the same amount of money of every month, in XXXX I received a statement that my payment was n't applied and my fee for late payment was {$190.00} This is a predatory and unjust way to make business and going against the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I purchased a service from them for XXXX, it did not work. I requested my money be returned. The wrong amount of money was credited to my account {$500.00} to much I was to send the excess back to them. Which I did by Western Union, tracking Number available. The amount that was returned my account was no longer in my account. This happened two more times. Their excuse was that I had used Western Union and should have used XXXX XXXX. I did used XXXX the last two times. So I have sent a total of XXXX dollar to them and the {$890.00} that was originally charger to accredit cardis being disupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new City Priority account on XX/XX/2019 in hoping to get the promised XXXX XXXX XXXX bonus. I fulfilled all the requirements asked by CitiBank. However, they had been postponing crediting my account. First, it made false assumptions, claiming I did not met the requirements. I called in many, many times. Then I received a letter from CitiBank on XX/XX/2019, saying after investigation, it verified that due to some internal errors, my account was not credited, but it would do so within 90 days. I waited, but nothing happened. I contacted my banker. He said it would be fulfilled soon. It had been more than 5 months since I should have received my bonus. It seems CitiBank loves playing this type of scam and writes customers blank checks.

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 2015-11-30
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My bank, TCF, was robbed by a digital fraudster, and now the bank has taken it upon themselves to deprive me of my deposits until they see fit. I want my deposits back on demand, as per the function of a bank, and I would also like {$34.00} for each cent they have stolen from me, for each day that I have been deprived of my funds, as this is the fee structure in my agreement with the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation