BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: Total Card, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, I applied for a credit line increase with Total Bank Credit Card. I received correspondence through the messenger service from Total Bank, where they requested my tax records to support the income I was stating I made. ( The letter is attached to this complaint ) I sent the required information, and several days later, they called me to tell me they received the document, then they stated I had to unlock my XXXX  credit report to view my credit file, and I explained that it was not locked. The representative insisted that it was, and I then checked and confirmed it wasn't. After several minutes of explaining the information about my credit file not being locked, she stated that it was my XXXX XXXX credit file. I then told her the representative that I do not have a credit file with XXXX XXXX ; however, they are accessible to make a soft inquiry with XXXX  and Equifax. The representative then stated I was interfering with the process to give me a credit line increase, mind you this was not mentioned in the attached correspondence from them initially. The comment was outrageous. Total Bank is one of the most questionable financial institution I ever dealt with. I have been an excellent paying client ; however, this is not a customer service friendly financial institution, but more so, a company more interested in creating fees as well as inconveniences for it's the consumer. 
This attempt to have a credit line increase showed me this bank again has some questionable practices, since becoming a customer, I seem to have misunderstood many things. Troubling on so many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
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: Account status incorrect

Complaint:
XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: DISCOVER BANK
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Discover Home Loans took our application XX/XX/XXXX, said it would take 6-8 weeks, they strung us along, harassing us with multiple requests for the same info. After two months and getting to underwriting we were declined credit because of " XXXX XXXX Type '', XX/XX/2012. Whatever that means. Having reached out for an explanation and how we could fix whatever problem it is we have not heard back from anyone. They have not removed themselves from my home XXXX and on one call to them to try and understand the problem they said that the loan number printed on our decision letter was not a loan number of theirs and they could not help us. Very poor customer service and no ability to understand our denial nor get our wasted time or credit scores back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My background check shows dismissal and they should be removed and there over XXXX years old 2007 need to have this updated snd removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I applied for auto loan with US Bank and they relied on XXXX Credit report to denie me credit. I requested a copy of my credit report from XXXX refused to give it to me.

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 2018-06-28
Company: Ark Law Group, PLLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They took my {$1000.00} and told me that they were going to make sure that I was at the end of the road, hence stating that they make sure my house goes to foreclosure. Also, they refused to refund my money in a timely matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX my wife and I purchased a home. Our mortgage was " sold '' several times in the early XXXX and we refinanced a couple of times. In XXXX we did a refi with XXXX XXXX. In XXXX we paid the loan off in full with never a missed or late payment. In XX/XX/XXXX I applied for a HELOC loan with my local bank, A couple of weeks later they informed my that their was a lien on my house. Someone sold the mortgage and didn't release the lien therefore my HELOC loan was denied. Correcting problem this was put squarely on MY shoulders with no knowledge of loans or mortgages. I eventually tracked the lien to 5th 3rd bank. I literally spent hundreds of hours tracking this down and attempting to get them to release the lien. After months of fighting to reach someone XXXX XXXX told me that they don't have the lien. Everyone else says they do. I have hired a lawyer and he has been working on this for months as well. I have no idea what his final bill will be. And still I don't own my home. 
This has been a nightmare for me and my family. Any help would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called to have unauthorized hard inquiries removed from my Transunion report. The rep verified the inquiries were on my report, but said that even though the XXXX inquiries were made within 30 days, Transunion views these inquiries as XXXX whole inquiry. He said I would still have to wait for these inquiries to be removed.

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 2021-11-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I set up my online account with the XXXX XXXX XXXX credit card backed by TD Bank. I made my regular monthly payment and set up automatic payments so that my payments would be automatically drafted from my account. On XXXX I get my statement that indicates that I missed a payment and have a past due amount of XXXX plus a late fee of XXXX. I called TD bank XXXX times on XXXX and asked to speak to a supervisor of the XXXX times I was hung up. The XXXX supervisor XXXX indicated that there was an issue with their online portal when making payments and setting up a reoccurring payment and that it was corrected now. Upon review of my account I noticed that TD bank reduced our credit line from XXXX to XXXX which has the card maxed out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28
Company: CNG FINANCIAL CORPORATION
State: NM
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:
XX/XX/XXXX ; let XXXX XXXX XXXX know that I would be on leave without pay sure to XXXX XXXX issues.

XX/XX/XXXX : notified XXXX XXXX XXXX that payments would be starting again in XX/XX/XXXX due to returning to work.

XX/XX/XXXX : called XXXX XXXX store to payoff loan completely and the lady in the phone refused to take my card. I let these people know everything along the way and because they refused payoff I'm in trouble. I'm on a waiting list to medicially retire. I have no income anymore.

XX/XX/XXXX : contacted XXXX XXXX XXXX on XXXX XXXX as soon as I realized they put me as a charge off. I asked her to pull the cal and give me a letter about that conversation.

Today : haven't heard back after she said her or Corp. will call me back in 24 hours.

I truly believe this company is out to hurt the poor. They have poor customer service and its sad because I've had loans through them prior before they changed their employees. Now they won't take a card payment but want my money makes no sense to me. I need help with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX submitted a collection to Helvey and associates saying I owed XXXX dollars for a bill from XXXX XXXX. I have a copy of my bill from XXXX for XXXX XXXX. The bill is XXXX. We moved out of that house the XX/XX/XXXX. I called XXXX and was told the bill was transferred to my account by mistake. The bill belonged to a man named XXXX XXXX. I was told the transfer department would remove it and contact the collection company within 3 days. That did n't happen. I called back and was told I should have never been given the information as it was confidential. I was told the bill was mine as they had my social security number. I asked for an itemized copy of the bill and was told they could not give it to me. I was told the bill was from XXXX and I would have to get a judge to give me a court order and a subpoena to get the bill because it was over 2 years old. I am trying to purchase a home and want my credit report corrected. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I deposited {$3900.00} into my Coinbase account via a bank transfer. After the 10 day holding period I was informed I could now trade. When I tried to make my first taste I received an email that suspicious activity was detected on my account. I answered immediately tell them to cancel all transactions and disable my account. No confirmation was received. My account has been temporarily disabled since then. Despite several emails to support only response has been that an account XXXX was reviewing and I would hear from them in 4 to 5 business days. Its been nearly 3 months and no response. I have no idea if my money is still in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-07
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I requested to have XXXX XXXX fix a broken dryer. I financed this request through Affirm for XXXX, but the dryer was never fixed. The person from XXXXXXXX XXXX  came out and said I needed a part. I had to order a part and pay someone else to fix my dryer. Now Affirm is trying to collect on a service that was not received. I have provided an email from XXXX XXXX stating that they are trying to refund me but were unable to. I have sent this to affirm 3 times and they can see all other information I have sent, but not this email. I need to have this resolved between the 2 companies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Experian Information Solutions 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 signed up with   XXXX   XXXX    XXXX / XXXX /  XXXX   in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was :  XXXX  FEDERALCOURT - it was dated for  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  About a week later My inquiry to the  U. S. Bankruptcy Courts  confirmed   XXXX   XXXX   XXXX   has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by  XXXX   XXXX  sources unawares to the consumer, and in most cases, incorrectly.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: LA
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:
Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.

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 2022-04-10
Company: EQUIFAX, 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 status incorrect

Complaint:
THIS ACCOUNT IS REPORTING LATE PAYMENTS AND ERRORS ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ACCT # XXXX As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I must add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how inaccurate the data-furnished could be! I've also marked with a red X the late payments this company is also reporting that are also inaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notice my loan was to be transferred to a new lender in XX/XX/XXXX. I then received notice that my escrow account was reassessed increasing my monthly payment almost {$900.00} a month. This adjust came one month after my account was adjusted {$1.00} per month. When I contacted the lender I advised them that the county tax bill for 2nd installment has not been issued yet, the rep said it had so I asked her to send me a copy. She put me on hold and then advised this was an estimate. I then explained that we received a disability exemption that was approved in XXXX for XXXX and XXXX taxes and we also won a tax appeal. She said they can send this info to their escrow department to review the escrow. The account was denied an adjustment and a letter was mailed to me. I received this letter on XX/XX/XXXX and immediately called the lender to get my options. I spoke with a Supervisor who said I would qualify for removal of my escrow and she would create a work order and send this to the escrow department with a rush. I was advised this would be completed by XX/XX/XXXX, but in the event this did not get completed there would be an order added to my file that would be sent to the new lender. Over the next 5 days I called every day to see if the order was completed. On the final day I learned that this was not completed but was again told this work order would be in the document file that is sent to the new lender. I contacted the new lender on XX/XX/XXXX and they advised my file would not be to them until XX/XX/XXXX, but they would put in the request to have the escrow removed. I called the new lender back on XX/XX/XXXX and they said they still did not have the file but once I could see the account on the app, they should have the file. On XX/XX/XXXX the account was active on my app so I called the lender, I was advised there was a letter mailed to me with instruction on how to remove the escrow account and I would need to pay a fee of {$330.00}. I was never advised there was a fee so I asked to speak to a manager. I received a call from customer advocacy and they reviewed my concerns and contacted their escrow department. On XX/XX/XXXX I received a call from the new lender and they advised that there was no documentation sent to them from my old lender about the escrow work order. They would be willing to look at the documentation by the original lender should have held back the loan to complete my request. I contacted the old lender and they advised me that they were never going to complete my request to remove my loan, nor would they have held back the loan. I explained I was advised by multiple supervisors and staff over the last few weeks that this would be a non-issue to get this done. I am asking for the old lender to make this right, pay for the fee that was put upon us due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: CA
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:
N accordance with the Fair Credit Reporting Act Wells Fargo Bank Card account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-03-18
Company: WESTERN EXPRESS LENDING
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began a refinance process with this company in early XXXX : XXXX XXXX XXXX XXXX XXXX NMLS # XXXX Mobile : XXXX FAX : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX We locked a rate, and during the process of the next two months the initially agreed fees changed, I paid {$600.00} for an appraisal, and then paid {$300.00} for a subordination to an existing HELOC. Ultimately the company did not complete the loan timely and rates changed creating a disadvantage compared to my existing loan. The company has taken no responsibility, not willing to reimburse me for fees. Completely unacceptable!

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 2015-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My bank is Capital One in XXXX XXXX, LA. I payed a merchant with my debit card. They ran it through as a credit card, but accidentally rang up the wrong amount. They immediately realized this, voided the charge, and ran up the correct amount. This was on XXXX XXXX. It is now XXXX XXXX and the original incorrect charge still shows in my account as pending. Because of this, that money is locked up. I have called the merchant and they say their system show the charge as voided. I called the bank, and they originally told me it would take XXXX to 3 business days. When it did not clear by then, I called again and they told me XXXX to 5 business days. They have nearly {$500.00} of my money locked up. I would like access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX we submitted the complete short sale package to US Bank for review. Sellers sellers had relocation benefit that would go to the deficiency to US Bank totaling XXXX the benefit expires XX/XX/XXXX so we asked for an expedited review and were denied. After several calls US Bank manager said she would request the file be expedited. When I called today I was told it was still with the processor and they were awaiting assignment to a negotiator. Please see the attached letter I have provided describing the entire episode.

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