BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on  X/XX/17    and are proceeding to sale set for  X/X/17    - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have called Equifax and mailed them several times to receive my consumer report and they still haven't sent it. Equifax has conducted several investigations concerning my consumer report and I haven't received any updated consumer report thereafter. I am aware after each investigation they are to send me a copy of my updated consumer report. Equifax is in noncompliance with their code of federal regulations I can not retrieve my consumer report from this company yet they are reporting my personal identifying information. It is my right to know what they are reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Coinbase, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Thank you for investigating my claim. Briefly, on XX/XX/XXXX my Coinbase account was hacked for XXXX separate transactions totaling {$250.00}. The individuals who withdrew this money immediately spent this money on fraudulent transactions and began to make further attempts to withdraw money and initiate more fraudulent transactions. Luckily, I was able to lock my account from further withdrawals. 

I called Coinbase immediately after the first transaction notification and spoke to XXXX, who assured me that the unauthorized withdrawal would be reversed immediately within XXXX hours. After it was not reversed, I called the next morning on XXXX and spoke to XXXX, who denied that the transactions would be reversed immediately and stated that an investigation would take up to 30 days. On XXXX I called again in the morning and spoke to XXXX, who then stated that the timeframe was XXXX days but I could expect an email with more details from the supervisor/investigation team. I have never received any communication from Coinbase. I made another good faith effort on XX/XX/XXXX and spoke to XXXX, who repeated that I would have to wait 90 days. 

I have tried in good faith to resolve this issue with Coinbase to reverse the unauthorized charges, but I have lost trust in their dispute resolution. I feel that they are stringing me along and have no intention to correct their unauthorized debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was with XXXX XXXX or XXXX XXXX, now it is not and I lost my job in XXXX and got behind on mortgage payments. The servicer was XXXX XXXX I tried to pay the amount I was behind in XX/XX/XXXX but they added XXXX in fees so the amount I had wouldnt stop foreclosure I was told. Now my mortgage service company is Fay Servicing and they did a loss mitigation and came back with my payment being almost twice of what my payment was and now my property is not showing under XXXX XXXX or XXXX XXXX. I am wanting to stay in my home as I am a single mom but the new payment they gave me of XXXX a month and the interest of 6 percent when my mortgage payment was XXXX a month and 4 percent I feel they are making it hard for me to stay. They also can not send me my original note from XXXX on the house. They only had the modification note from XXXX. I just would like a fair payment to what my mortgage payment was. I did claim bankruptcy in XXXX and I have lived in my house for XXXX  years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
My credit reports ( XXXX, XXXX, and XXXX  ) show a balance of {$4900.00} for a repossession of a car that was owned by my daughter. The payment history for each of the credit bureaus is not reported consistently. Also, I have a document showing the balance was approximately {$2900.00}, two months after the repossession and prior to the sale of the vehicle. I would like all documentation from the creditor to be provided.

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 2018-05-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient improperly removed a 0.5 % interest rate reduction as part of their Student Loan Rewards benefit written into my Masters Promissory Note.

They sent me a letter on XX/XX/XXXX that the benefit had been removed from my account ending in -XXXX. However, a payment was submitted via autopay for {$170.00} on XX/XX/XXXX, which should be marked as an on-time payment and continuing to qualify me for the benefit.

Since they removed the benefit on XX/XX/XXXX, my interest rate increased from 4.5 % to 5 % per day. This is costing me an addition {$0.00} a day in interest that Navient is not entitled to.

I reached out to Navient on XX/XX/XXXX asking to get this resolved by Tuesday, since it should be a simple check and fix. However, I have yet to hear back from Navient regarding this matter at all, which is why I'm here to make a formal complaint.

PS - I have attached the letter in question, proof of my payment straight from Navient 's website, and a blurb about the terms and conditions of the benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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 US DEPT ED # XXXX and # 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 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problem is my girlfriend of 10 years obtained my Social Security number and has it memorized and has opened numerous things in my name let them go to collections found out recently she opened a couple credit cards on my name one of them went to collections couple of them I just never opened she also shut down one of my bank accounts and yes she is a hacker I just found this out she tried to do deny it every time I bring it up she makes a big fight shes contacted police and put fake police reports on me three separate occasions on the reason I didnt know about it is I was in love with her and I am in love with her but she needs to go to jail for this so she cant do this to another person she has completely ruined my life I lost two awesome jobs from it I cant even get an apartment because of her its bad her name is XXXX XXXX but she still has her name in XXXX XXXX as well which was her ex-husband and she changed her name back to XXXX but she still has credit cards in the slot her name shes a very bad person and she needs to go to jail her address was XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX she recently just moved and is getting a apartment at the end of the month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: SYNCHRONY FINANCIAL
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:
I have an Inquiry on my credit report from SYNCB/XXXX XXXX on XX/XX/2018 that I did not authorize nor received a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT authorize nor receive any credit from this company. Please have them remove the inquiry 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 non-monetary relief
Consumer complaint received 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with credit repair process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CAPITAL ONE Date of inquiry XX/XX/XXXX CAPITAL ONE Date of inquiry XX/XX/XXXX CAPITAL ONE Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: Santander Consumer USA Holdings Inc.
State: FL
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: Personal information incorrect

Complaint:
I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified an unauthorized items must be removed. They never got permissible permission to report without my consent and I never consent anything 15 USC1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My loans were transferred from  XXXX   XXXX  to Navient. When I took out my loans originally, the only option I could get was variable interest rates. I have almo st 70k  in loans that were given to Navient. My monthly payments are clos e to 1k, bu t I am actually LOSING ground on these loans because they have jacked up my interest rates betwe en 8.5-11.5 %.  They say these are based on credit scores -- mine is over  XXXX , and I have always made my payments. I have tried to contact their advocate about my interest rates multiple times and have never gotten a response. I even had a conversation about my loans during which their reps told me that I have " no options '' because I took out a " Smart Option Student Loan '' with  XXXX   XXXX .  <P/> I WANT to pay off my loans, I do n't want to default to get a settlement and ruin my credit. I am a   XXXX   XXXX   XXXX   and make les s than 40k per ye ar, I need Navient to lower my interest so I can start actually making headway on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: PulteGroup, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We stated specifically that we were looking for a home that was completed at the latest end of XXXX because our son was starting school. We signed the contract for a new home XX/XX/XXXX and given a range for closing of XXXX. During that time we applied for a loan using their lender to get the XXXX as show as an incentive for using their lender. During this time we also were contacted by Pulte insurance and started the process of getting home owners insurance through them thinking its all in out and would make things easier. Since doing that the insurance has been given closing dates of XX/XX/XXXX and XX/XX/XXXX. After confronting both XXXX mortgage and our sales consultants with the same dates shown on the documents we were told that those aren't actual dates. During this whole time XXXX has been offering incentives to bring down the rate for new home owners. Like offering 4.625 %, 4.25 % and currently 3.875 % to help entice buyers. Today XX/XX/XXXX I went in and confronted our sales agent about the closing date and lack of communication. I was told that the current offering doesn't apply to any homes within that community because they wouldn't be finished in time. Which begs the question why show the promo on the community page as if it was offered. When also questioned if we would be able to get one of those rates instead of buying the rate down we were told that is only for new customers. After review of the fine print no where does it state " new customers only ''. As of today we still do not have a close date and have paid to lock our rate that ends at the end of the month. I was told during my conversation with the sales agent that the builder has 2 years to complete the house and they pushed our range out again from XXXX to XXXX. Because of this move we will end up having to potentially pay more to continue to keep our rate locked at a higher rate then they are currently offering. If they weren't holding $ XXXX of our money we would be looking at a different home.

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 2021-11-16
Company: EQUIFAX, INC.
State: DC
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:
this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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:
they keep putting the wrong address on my credit report and accounts that dont belongs to me on my report i send them the proof and these account still on 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 2023-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX : I have been on the phone for an hour. 
The agent put me on hold for 45 minutes and said they were calling XXXX than put me through to Molllie XXXX out of the XXXX office and transferred the call without telling me. XXXX who kept getting the wrong debit card information to deter me from getting why an envelope was delivered to my condo without an ID being shown or signature! 
I kept providing my my debit card and would not provide me information We are 18 days and Citi Bank officials was very well aware of XXXX XXXX branch manager of XXXX XXXX XXXX XXXX XXXX FL XXXX deliberate misconduct, knowingly never mailed my remaining money of over {$2000.00} that was to go toward my first mortgage payment with Citi no less who absolutely knew my home address. 
I called immediately. I was ignored, hung up on, created more conflict and confusion. 
I received a wrong tracking which I tried to get so many times. I was provided the wrong one time and time again. I am currently on the phone with Citi bank. Tracking number XXXX showing which will be attached at front desk!!!! I do not have a front desk at my condo building. Not a doorman. Just lock boxes to put mail. This is unbelievable! 

The banks behavior and the many officials Ive spoken too all said. How is Citi allowed to commit fraud and abuse there power. 

Other officials are involved and also working on my behalf to file reports with FTC and FBI. 
How can a bank not allowed me to take my own money that was free and clear out of the atm! Stating sorry over your limit! False. XXXX XXXX kept putting fraud codes on my account and reported this immediately to XXXX XXXX who did not take one action. XXXX XXXX was the loan officer at Citi and can verify I was unable to take my {$10000.00} XXXX money because XXXX XXXX put fraud codes and maliciously and knowingly knew his actions to intentional harm me.. 

I hold a credit card with Citi. I was told since Citi is not assisting in my mortgage and credit card due to my loss of income to file a XXXX and XXXX as a result of there intentional demise of my good credit. This bank is dangerous and abuse there power at alarming levels. This is crazy!!!!! 
Deliberate fraud.

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 2022-08-04
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My auto debt was originated with Sun Trust Bank. Truist Bank later purchased this debt servicing. When I try to resolve the debt with the charge-off department is not available. The contact information is nowhere on the website. You have to call and be placed in an automated queue. This continues to negatively impact my credit. This appears to be a deliberate act to keep accounts open infinity for leverage while shadow-banning my credit worthiness.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2019-12-12
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: Factor Trust
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: Credit inquiries on your report that you don't recognize

Complaint:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation