BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: Ocwen Financial Corporation
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
This is not a debt collection issue, I chose this category as there was no option for this serious concern.
I 'm a   XXXX   XXXX   XXXX   who represented the buyer for a foreclosed property, the offer was accepted back on  XXXX 2017, the closing was to take place on  XXXX /2017. As of today  XXXX /2017 the transaction has not closed due to the lack of urgency by the sellers, the financial institutions involved, regarding a required document for the closing. Myself and the buyers attorney have made numerous inquiries, have received empty promises for action and as noted my buyer has now been waiting for nearly 6 months to close with no real or definite close date offered. The primary financial institution involved is Ocwen, I attempted to contact them on numerous occasion via phone but I found it impoosible to reach a live person Below is latest email indicating that latest promise of a   XXXX   close date will now possibly occur in late  XXXX .    <P/>   " Hi  XXXX , response received : so the review for them to do it has passed and now they are waiting on the document. It has taken Ocwen the time frame up front to know if they would sign it, and now they have the approval and we wait.
Not sure if your buyers want to wait until this date below to have the document received to record and or if they record when done, I wont know until either happens.
Sorry, wish I had more than this, but this was response received.
Please advise, Hi  XXXX , Unfortunately nothing at all yet. Theres a note by Ocwen that the estimated return date for the executed AOM by  XXXX  is  XX/XX/XXXX , so at best were still a few weeks out. I can follow up with Ocwen in a week or two ( although I doubt theyll have any information, but it wont hurt to try ). '' I obtained their corporate address as follows :   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX  , FL  XXXX  Phone : (  XXXX  )   XXXX    Website : www.ocwenbusiness.com

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Every account that is reporting negative on all three of my credit files should be removed. Also the addresses. I have only lived at one address. I am enclosing proof. The bankruptcy that are reporting is inaccurate. The Bankruptcy Court does provide information to the Credit Reporting Agencies and XXXX states that it has removed it. Why is it still reporting. I am enclosing copies of police report showing I have been a victim of identity theft and all these negative accounts should be removed 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 non-monetary relief
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: CT
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:
Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and Equifax reports. This is NOT my debt. I have reported to XXXX  and Equifax and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Sunbit, Inc.
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:
My sunbit credit card is charging me double interest. My payment is due on the XXXX of every month I make my payment however on the XXXX. I generally pay a little more than the minimum payment. So if minimum payment is {$85.00} I pay {$100.00} but then on the XXXX of every month I'm being charged interest again. So example if I pay my bill and my available credit says {$94.00} then 2 days later when I'm charged again it's drops my available limit any where from {$45.00} to {$52.00}. This also does not make sense my interest charges are less when I have a higher balance. The other complaint is I have made extra payments a couple of times such as in XXXX and XXXX but did not get credit for payment because the second payment was to early for the upcoming statement month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase has my money and wo n't allow me to trade it or withdraw it. They have no customer support and have not responded to my emails for a week. I have {$7900.00} in XXXX on their XXXX trading platform with another {$9000.00} borrowed on margin. I am unable to touch this amount because all trading is disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The auto payment system of Bank of America credit card is misleading to customers. The auto payment system has 4 options : Pay Amount Due - Pay Minimum Amount Due - Pay Account Balance - Pay fixed amount. 
I selected Pay Amount Due option to pay total amount due monthly. For my surprise, I discovered after months that the auto payment system was paying the Minimum Amount due not the total amount due. An interest charges of {$340.00} has been accumulated for 8 months. There was always enough balance in my checking account to cover my credit card due amount. When I called the BOA customer service, they informed me that there is no difference between pay amount due and pay minimum amount due options and both of them will pay the minimum amount due!! 
When I asked them to refund the interest charges, they didn't approve it. 
Unlike in my other account at XXXX XXXX XXXX, the auto pay system has 3 options only ; Minimum Payment - Statement Balance - Fixed Amount. They don't have the misleading due amount option. 
When I XXXX the internet with " bank of america amount due confusion '' phrase, I discovered that It was not only me who got confused by this misleading option. Actually, there are many complaints against BOA on websites like XXXX, XXXX and others regarding the misleading amount due option. Some of the complaints claim that BOA is intentionally confusing customers to profit from interest charges. In addition, there is a lawsuit XXXX v. Bank of America, N.A filed on XXXX XXXX in NJ for exactly the same reason.

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 2022-09-08
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
wilshire consumer credit is charging me an illegal intrest rate pf 36.65 %. ive tried talking to them about it and they insist on denying it when my contract clearly states 36.65 % ( they claim its 36 % ). 
they also harrass me by calling in upwards of 12 to 13 times a day from many different numbers. they have also been putting all my payments towards interest.

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 2022-03-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was attending XXXX XXXX in 2018 when my mother passed away unexpectedly and I needed to withdraw d/t grief. And I was billed for that. I attended next semester. Then when I registered for upcoming semester I was given wrong schedule. I went to registrar and was told I needed to go to financial aid. Financial aid stated that the XXXX scholarship given to XXXX  was taken back from prior semester leaving me a said balance of same. I would not be able to attend classes until paid. So I was told to withdraw. Then I was told I have another balance because I should have withdrawn a day prior. They have put me through the stress of proving my mothers expiration, meeting with advisors, and emailing explanations. Quite recently in my attempt to re enter I was made to repeat the process. Only for them to list a collection on my credit report, taking XXXX points off my score. Score is XXXX now. They billed me and received payment for XXXX semesters in which I only attended XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to fix this several times with the creditor and XXXX. On report is misleading information. First it says closed but payment status says pays account as agreed yet shows a 0 balance and a 0 monthly payment that's due, when the truth is I got the car and I got insurance through them but then found ins on my own cheaper and needed XXXX and the creditor refused to take away that extra amount of money off of my payment monthly on top of that they wouldn't fix the problems it had when I had literally just got it. So I talked to a higher up gentlemen who finally called me and said if I took the car back to lot voluntarily that day which I did that I would be free from the debt of the car... Here it is on my credit report. Last update they made was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've reviewed WF 's investigation report and noticed multiple issues. Please see attached for a detailed analysis and provide me an reasonable explanation of such unusual login activities. Multiple locations login in such a short period of time doesn't mean the account is being monitored. It means the account has been login by different people in different locations.

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 2022-09-08
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an offer from Citibank as a credit cardholder for a promotion valid XX/XX/XXXX through XX/XX/XXXX to open a Citi XXXX Savings account as an account owner. The promotion was for a {$300.00} bonus if you deposit {$30000.00} or more by the 20th day after opening the account. By maintaining the {$30000.00} balance every day for the 60 calendar days following the 20th day after funding, I would be eligible for the bonus paid within 90 days of being eligible. 

I opened my account on XX/XX/XXXX and funded {$30000.00} and was eligible to begin counting the 60 days beginning 20 days after funding on XX/XX/XXXX. Because I kept the assets in the account ( and still have them there ), I was eligible for the bonus on XX/XX/XXXX and should have been paid by XX/XX/XXXX. 

I have still not received the bonus ( 108 days later, which I have not received interest on the bonus either ) and have followed up both via phone and in-person at a branch with Citi multiple times ( at least 5 ). My last visit to the branch was on Monday, XX/XX/XXXX, and this is still not resolved. 

I have spent nearly 30+ hours trying to resolve this issue, and I believe that I am being taken advantage of by Citi 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 monetary relief
Consumer complaint received 2019-08-07
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 and Transunion are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Monterey Financial Services LLC
State: VA
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:
I am filing a complaint of non-compliance against the following collection companies : XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) MONTEREY COLLECTION ( XXXX XXXX ) XXXX ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX  and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section XXXX ( a ) of the accounts listed on my original letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief