BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX of 2019 my loan was transferred from XXXX to Loancare. Within 60 days ( XX/XX/2019 ) Loancare did what they called and annual escrow account statement. I am used to these coming at the end of the year so I did some research. The rules allow for this, but if done so, then the date to do this will be each year at the same time since the also increased my payment at that time. Loancare then again on XX/XX/2019 did this again and again increased my payment. I do not think this is acceptable!

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 2017-06-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor was Departme nt Stores National Ban k. The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt. Departme nt Stores National Bank assign ed a debt collector,  XXXX   XXXX   XXXX . I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off to  XXXX   XXXX   XXXX . I have the original letter of proof from them stating the debt is paid. Just after that date, Departme nt Stores National Bank hired 2 other debt collectors ,  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied. Departme nt Stores National Ba nk then hired  XXXX   XXXX   XXXX   AGAIN to collect the  debt. This was on  XXXX / XXXX / XXXX .  XXXX   XXXX   XXXX  said they did not show a record of the pay off. I had to send a copy of the letter FROM  XXXX   XXXX   XXXX , TO  XXXX   XXXX   XXXX  to prove I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX  Departme nt Stores National Bank   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN from  XXXX   XXXX   XXXX   ( no w known as  XXXX   XXXX   XXXX  ) saying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  XXXX   XXXX   XXXX   XXXX   XXXX  saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a public record on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification  because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of this complaint or I will expect to see the item in question permanently  expunged from my record. XXXX Court US BKPT CT TN 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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX put me in collections for an account that I never used. I have asked them several times to send me the information and they will not. They sold the account to a third party collection company and they just say they verify the account as accurate but will not send me any account information. I have disputed it with XXXX who took it off my report, but Transunion and the others wont.

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 2017-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is related to Complaint #  XXXX  Th e collection has been removed from my credit reports, but Portfolio Recovery Associates has begun to harass me both via phone and mail. I do not accept the phone calls and do not respond to the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: JPMORGAN CHASE & CO.
State: MI
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 got an hard inquiry from Chase bank without my permission. I asked Chase Bank to increase the credit limit of my credit card and applied for another credit card at the same day on XX/XX/2019. They approved the limit increase but declined the credit card application. I applied for reconsideration on XX/XX/2019, and they pulled the credit report again, without letting me know at all. I called them later to remove the hard inquiry, but they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-06-05
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had a VA mortgage since   XX/XX/XXXX   and it has changed hand s ( servicers ) 5 times in that pe riod. The latest took place, I 'm told, in   XX/XX/XXXX   from  XXXX  to  Loan Care.  I finally found this out, late in   XX/XX/XXXX ,  following my inquiries of the new service r ( Loan Care ).   I continued making payments to  XXXX  uninterrupted, throughout this period. Unbeknownst to me  XXXX  forwarded my p ayments to Loan Care fo r   XX/XX/XXXX &  XX/XX/XXXX b ut ceased doing so thereafter. My loan had gone all the way to pre-foreclosure wi th Loan Care. I provided proof of payments to Loan Care and they endeavored t o get these funds from  XXXX  without success until   XX/XX/XXXX  . Throughout this period I have received twice daily dunning calls fro m Loan Care.  In   XX/XX/XXXX    Loan Care  claimed they finished their research and told me it was now my problem to get  XXXX  to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me followin g a two m onth grace period and not processed by  XXXX . This is utterly false. The " proof '' I provided was a combination of "  Cancelled '' checks and verification that my electronic payments thru BillPayer were issu ed & received.  XXXX  has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed   XX/XX/XXXX  Federal  Tax returns. Attached is how I was informed that my mortgage was now being service d by Loan Care. Th is door hanger placed on the door knob of an out building at my property that I only " happened '' to find on   XX/XX/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 2019-12-10
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
I am applying for a home and was told that Equifax has placed a block on my credit file so that the lender is unable to obtain my information to determine a loan approval. I NEVER ASKED FOR EQUIFAX TO PLACE A BLOCK ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I deposited a check into my account to avoid my account being closed. On XX/XX/2021, they told me that my account was closed, the check was not accepted, that I could go deposit it into another institution, in which I did on XX/XX/XXXX. 2021. My wife 's bank accepted the check, put a hold on the funds for XXXX to 5 days. On XX/XX/2021, my wife '' s bank made the funds available to us. On XX/XX/2021 the check was kicked back or returned in other words because Citibank did in fact accept the check. They then proceeded to put a block on my account, giving me no access to my money even though the check has been cleared, and the federal reserve has paid them. I have been told the check in being held because fraud, because the check has already been deposited into another bank, and or because my account was being closed. I have called multi times, i have called the bank who issued the check, saying the funds have been cleared for days. I have gone into the branch. I know that it is illegal to hold a check for more than 7 business days without cause. The check is not going to be returned because the funds have already cleared and my wife 's bank already returned the check for it being accepted into my bank. I have emails saying they accepted the check on XXXX XXXX 2021. Then on XXXX XXXX they said my account was closed, then on XX/XX/2021 they said they accepted the check and funds are available for immediate use. I have talked to two supervisors who said there is no reason for the account to have a hold on it. I had one who tried to remove the hold and was unsuccessful due to the security department not allowing it.

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 2017-06-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to Wells Fargo to make a deposit where I have banked for 25 years. The was a cash deposit. I went to the teller and swiped my card through the machine and I gave the money to the teller. She put the money in the counting machine and came back and made out a handwritten deposit slip. When I checked my statement I noticed the deposit was not recorded. I went to the branch manager and he checked it and said that no deposit was made. No one in the bank seemed to have any interest in this incident. The people working at the bank told me that they were sorry, but there was nothing else they could do. I went to five different branch managers and they said they would look into it, but none called me back. I got the district managers number and I left him a detailed message, but he never returned my call. I asked them to check the camera and tellers transactions, but they said that it could not be done. The reason I am so upset is that is most of my life 's savings. The total amount is {$8000.00} made in two separate deposits ten minutes apart, but I was there for both deposits. I had someone with me, which is  a witness to the whole incident. I will be glad to talk to anyone if you need more details.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have tried contacting Transunion regarding issue with error on my credit report. They have not fix my credit. The their credit report shows 9 missed or late payment but I have not miss any payments. The Fix my credit for a couple of days ( XXXX  XXXX to XXXX XXXX ) and then change it to be incorrect. I will try and submit again but I do not trust them as they have fail to fix the issue the first time. XXXX call me to say they have sent the request to fix the issue back in mid XXXX. It is XXXX and Transunion still has not fixed the issue. I have attach proof of me not missing any payments.

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 2022-04-07
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Please see the attachments for a full description and all documentation. Gemini transferred XXXX XXXX and XXXX XXXX that I did not authorize and did not receive any notification for the transfers. Neither I nor could XXXX stop or freeze my account. Gemini had TOTAL CONTROL over the situation and could easily have mitigated and even ended the hack the by having a secure system and telephone support. They have neither. Due to their lack of telephone support and insecure system that did not track any unusual activity, it took Gemini an hour and one half to freeze all accounts resulting in losses of XXXX XXXX dollars in XXXX coins and cash. Gemini has NEVER responded to all the questions found in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When In look at my credit I notice there are fraudulent and inaccurate accounts reporting.

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 2017-06-04
Company: EQUIFAX, INC.
State: ID
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:
On  XXXX   XXXX ,  2017  I submitted letters to  XXXX  requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.      XXXX  addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019 I applied for the new APPLE Card issued thru Goldman Sachs per an invitation email to do so. I was asked to fill out the info which was populated mostly by my XXXX and further asked to provide front and back photos of my valid drivers license which is Florida State issued just last month. After 24 hrs I received a notice to my identity could not be identified and resubmit my application with new Drivers License photos. Before doing so I contacted Apple who connected me with Goldman Sachs and over the course of 2 hrs via phone and help desk text messages I received conflicting explanations that my valid ID could and could not be used because it is a new Real ID compliant State issued license. After a manager insisted that I reapply and be extra careful to upload perfect photos I received the same notice that my ID could not be verified due and to resubmit my license photos again. Upon this happening again I went online and have determined that this has been an ongoing issue since at least XX/XX/2019 per Internet forums stating specifically that Apple and Goldman Sachs have been denying application approvals due to an inability to accept IDs compliant with the Real ID Act Federal Law. I believe this is unacceptable on 2 counts : 1 ) for not stating this know fact at the time of starting the application per its requirements ; 2 ) for further not being able to provide accurate internal assistance to customers and by only requesting customers repeat the task of uploading their IDs that States now issue and are compliant with Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Good day, I am getting calls and emails from Navient which is my loan servicer. They want me to pay my loan and they have stated that I have not made a payment in almost 90 days. I am the understanding that my loans were in hold due to the government. They also just reported my loans late to all credit reporting companies. I feel that they're taking aventage of persons and they want parents when payments are frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX American Express closed my account without warning while under dispute due to the result of a severe case of identity theft I suffered and which had been reported. I provided American Express with a lengthy document outlining their adverse actions which were based on fraudulent information. I never received a reply to this certified document submitted on XX/XX/XXXX. The reasons given for account closure by American Express were due to my suddenly decreased credit score which was due to fraudulent information being reported by XXXX in response to credit card fraud.

After my accounts were closed, I received correspondence from American Express as well as verbal acknowledgment on several recorded phone conversations that my rewards points would be cashed out and applied to my remaining balance as long as the account was current. I consistently made payments to equal to the balance minus the disputed billing errors which should not have been held responsible for. Despite the account being held current the rewards points were never applied to the balance. Additionally, American Express closed out the billing errors being disputed stating I failed to provide the requested documentation. This statement, however, was inaccurate as I provided all the requested documentation when initially filing the dispute. These documents, despite being uploaded directly through the American express portal seem to have been consistently lost by the billing dispute agents working the case.

The balance on my Amex platinum card has been paid in full and never past due or delinquent with the exception of the amount in dispute. I even paid the balance which should have been removed by the redemption of my rewards points.

To summarize, American Express has taken adverse action based on fraudulent information resulting from reported and documented identity theft which has almost all been corrected. They were notified of the identity theft via certified letter which was never responded to and even closed an account in dispute in violation of consumer protection laws.

Company response to consumer: Closed with explanation