BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citizens Bank offered me a compelling rate to refinance the mortgage loan I have with them. After confirming they locked in the rate, the mortgage broker claims he made a procedural mistake on the timing of the appraisal payment, which resulted in the bank failing to honor the locked rate. The bank did not offer compensation or keeping the locked rate as a courtesy, despite several confirmations from the broker the rate lock was active. Worse, as mortgage rates climbed significantly in the interim, the new rate is significantly higher, translating to an additional charge of {$12000.00} per year.

The mortgage broker details are as follows : XXXX XXXX NMLS # XXXX Citizens Bank XXXX XXXX XXXX XXXX NMLS # XXXX Citizens Bank XXXX XXXX citizensbank.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Grain Technology, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been trying to get in contact with Grain since XX/XX/22 about their app malfunctioning. I have tried contacting them via their app form : https : //graincustomersupport.zendesk.com/hc/en-us/requests/new and via the phone listed on the billing statement XXXX with no success. When I contact them via https : //graincustomersupport.zendesk.com/hc/en-us/requests/new, I receive a message stating : Hey, thanks for reaching out to us! : ) We got your request. This is an auto-response, but we promise a real person will respond to you soon. Our average response is around two business days but in periods of higher volume, it may be longer. 
In the meantime, check out our support page for FAQs here - https : //trygrain.com/support/. 

Which Ive never received a response from a live person. I have my account set on auto-pay which a minimum payment suppose to be withdrawn from my account monthly. On grain the app it stating the account need to be reconnected, but when I click reconnect the button is not clickable. I even trying paying the minimum payment manual with no success, because the pay button is not clickable. Now my on-time payment ratio has dropped from 100 % to 91. 67 % which is incorrect due to the app is malfunctioning and this couldve been avoided if grain had adequate customer support and technical support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: CT
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 Account # 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.

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 explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$61.00}

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 2022-09-13
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX was repossessed in XXXX XXXX, sold on XX/XX/2018, I also had GAP insurance thru VW credit XXXX I was never given documentation of the XX/XX/2018 sale, the gap insurance payment that i never received, the loan was also sold to a collection agency without my knowledge, and the damage on the right rear passenger door was also never reported to XXXX, and since has been sold two other times. when the car was repossessed it was holding family valuables which were never returned to me and stolen from me, including my sons car seat. the historical and balance and mostly, showing a past due balance on a charged off, sold a month after repossession, gap insurance payment i never received or is reflected and not reporting damage the sale of the vehicle or the third party collection agency. i am requesting all documentation from VW credit, sale of jetta and price to the auction company, price sold to a debt collection agency, GAP insurance policy and original signed loan and pictures and documents from pickup by the company that picked the car up from repossession date, list of items in the interior and trunck of jetta that was never returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My FHA mortgage was serviced by  Caliber  starting in  XXXX . I was having financial difficulty in  XXXX  and  XXXX  of  XXXX  and called Caliber. I spoke with someone regarding adjusting my payment. After going over financial information I was told that I could break my payments up for the next several months to get back on track. I was told that by doing this I would not damage my credit and not have any other adverse effects. I made payments to them and did get my payments back on track until I refinanced in  XXXX . I found out that they did indeed report I was 30 days late to the credit agencies  XXXX   XXXX  AFTER they told me they would not do so. I sent them a letter  XXXX  telling them I was disputing it and that it should be marked disputed. All they did was send me a copy of my loan agreement. The late payment is still listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: DEBT CREDIT SERVICES
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an unverified account from DEBT CREDIT SVCS. I had previously disputed this account. I have never done business with DEBT CREDIT SVCS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DEBT CREDIT SVCS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DEBT CREDIT SVCS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.

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 2022-09-13
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: Public record information inaccurate

Complaint:
The main 3 bureaus are putting bankruptcy on my credit report. They said, the data furnisher is the US bankruptcy court of XXXX, which is false. I have attached a letter from the US bankruptcy court stating that they don't give out consumer reporting to the third-party bureaus, or to any consumer reporting agency. Nor do they validate or verify consumer information.

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 2017-06-13
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account from I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that IC SYSTEM Provide verification of the following :  1.  The original Application or contract ; 2. Any and all statements allegedly related to this debt  ; 3 . Any and all signed receipts ;  4.  Any and all canceled checks ; 5. Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The main 3 bureaus are putting bankruptcy on my credit report. They said, the data furnisher is the US bankruptcy court of XXXX, which is false. I have attached a letter from the US bankruptcy court stating that they don't give out consumer reporting to the third-party bureaus, or to any consumer reporting agency. Nor do they validate or verify consumer information.

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 2017-06-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a authorize user on several of my husbands accounts and his accounts appear on my credit report as an authorize user. Beginning in XX/XX/XXXXI noticed everytime a payment was reported on his accounts that Equifax removed me as a authorized user. As a result of this action, my credit Utilization has decreased over {$62000.00} and decreased my credit score with Equifax several points. The other two bureaus ( XXXX and XXXX ) are reporting all authorized user accounts correctly, only Equifax is mishandling these accounts. I called Equifax and after an hour on the phone, they refused to do anything to correct this major issue. My husband called each creditor effected by this error and all 4 companies indicated that they had submitted the information correctly and that nothing had changed on their end and the problem is Equifax. The accounts impacted are : XXXX XXXX XXXX. Credit Limit XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX Credit Limit XXXX XXXX XXXX Credit Limit XXXX This continued error is impacting my credit score and I 'm very concerned lenders will begin lowering my over all credit due to the drastic reduction of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
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: Public record information inaccurate

Complaint:
Good morning, Im writing to complain about XXXX and Experian not removing a public record. I called to verify with the courthouse in XXXX, Ga and spoke with two reps, XXXX XXXX and XXXX XXXX who told me that the Us court does not report bankruptcy to the credit bureaus. I reached out to all three bureaus sharing this info with them and asking them to remove the bk. XXXX removed it however the other two claim they verified the info thru a third party. I have since contacted this 3rd party (  XXXX XXXX ) on three different occasion to see if either XXXX or Experian called and verified this public record and all three times they said no. XXXX, XXXX and XXXX are the months ive sent three different letters to these two credit bureaus asking them to remove these public records due to it damaging my credit profile. In XXXX I was turned down for a mortgage due to bankruptcy. If the Us bankruptcy courts say they do n't report to the bureaus why is it being allowed to damage my credit profile on XXXX and Experian. Please assist me in getting these records 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 non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, EQUIFAX has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My account has been under review for a month now. 
I gold my crypto in coinbase and they but my account under review without any reason. 
I sold my last BTC XXXX XXXX and after that i can't sell nothing. 
Yes i have small amont of money there but for me it is big. 
I sent them first complaint in XXXX. XXXX. They answerd a plain replay in XXXX and i answerd back. 
The last lether they sent me was XXXX. XXXX and they told that they will close case in 48 hours and fix the problem but they didnt. Today i sent a New complaint and got again a stamp answer. 
I Hope that you can help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I wrote Fedloan because I had received an inaccurate PSLF tracking statement. I found multiple instances of basic arithmetic errors. After corresponding with Fedloan a few times, on XX/XX/XXXX, they agreed that an error had been made and that my PSLF tracking needed to be reviewed. In XX/XX/XXXX, I submitted my annual employment certification, but since the review had not been completed, I received another erroneous PSLF tracking statement. I continued to patiently wait for the review to be completed. I emailed Fedloan in XX/XX/XXXX and was told they still did not know when it would be done. I checked in with them again at the beginning of XX/XX/XXXX, they still have no idea when it will be completed. I do not think it is unreasonable to expect that blatant and extremely consequential errors in my account should be corrected in the span of a year. 

In the meantime, the Dept of Ed is updating how PSLF payments are counted and Fedloan will soon stop servicing student loans entirely. I am very concerned that when my loans are transferred to a new servicer my records should be up to date and accurate.

I need my PSLF tracking to be reviewed and accurately updated as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Loan #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   belonge d to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point   Wells Fargo noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.
I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the Wells Fargo responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the Wachovia acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the Wells Fargo represent  ative  XXXX   XXXX   ( Executive Resolution Specialist ) ref erenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter y et. 2  weeks ago I physically went into a  Wells Fargo Branch (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX  )  where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER F OR WELLS FARGOS LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by Wells Fargo

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 2022-09-13
Company: EQUIFAX, INC.
State: MO
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:
Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXXXXXX XXXX for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.

Company response to consumer: Closed with explanation