BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: AppFolio, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
" Adverse action letter ' dated XX/XX/XXXX @ XXXX Indicated " rental history ' was the reason for denial -- namely a tenant screening report that references a 'Dispossessory ' {$300.00} which was actually a 'Consent Agreement ' in my ( Defendant ) favor of {$300.00} which represented a a security deposit to be returned and court document noted : " Tenant has vacated the property. '' XXXX XXXX XXXX. See Consent Agreement Date d XXXX The other error indicated that I used an alias " XXXX XXXX XXXX '' which is false whereas another person resides at the address by that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Rewards

Complaint:
Last year around XXXX, I saw an ad from Citi Bank for its Preferred Thank You card signing bonus of XXXX Thank you points without any spending requirement. I applied and was approved. However, after 4 months, Citi bank is still not giving me the XXXX thank you points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase XXXX Inc. or XXXX did not credit my account XXXX XXXX XXXX ( virtual currency ), currently equaling XXXX in USD. This transaction was successful and in Coinbase hands XX/XX/XXXX, following that date I initiated a detailed support request showing the successful transaction. I have not received any followup, I have even attempted to track down their associates via social media. I have been completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: UNITED BANKSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I just received a Debit Card from United Bank. I have never banked there. I went to the branch and it looks like someone opened a bank account with my ssn, home address. But with their phone number and email address, online. I did close and flag that account. 

I just received a check from XXXX XXXX XXXX XXXX for {$30.00}. I've never owned a savings account there either. I called and it seems the person with the same phone number opened and has been using a Savings Account with my name and ssn.

This is 2 bank accounts opened in my name by the same person. I'm not sure what to do about it and need help. 

I have frozen my credit with XXXX and XXXX. 

I need 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 explanation
Consumer complaint received 2018-05-30
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Account is paid off. Court records state that and have last payment proof. Put on credit report as in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: PHH Mortgage Services Corporation
State: AP
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I started making extra principle payments to my mortgage company ( Coldwell Banker Mortgage ). I noticed they were not being applied to the principle and instead were being held and applied to the next regular mortgage payment. For example : I paid my XX/XX/XXXX payment, I then two weeks later sent another payment this payment was held and applied to my XX/XX/XXXX payment, then when I paid my XX/XX/XXXX payment they held it and applied it to XX/XX/XXXX. Upon noticing this I contacted my lender to get the principle payments corrected. My lender said they would fix the issue. I had 4 payments that were incorrectly applied ( for a total of {$19000.00} ). I contacted the company on XX/XX/XXXX. They said everything would be fixed within 7-10 business days. I checked on XX/XX/XXXX and only two had been corrected. I contacted the company again ( on XX/XX/XXXX ) as it had been past the 10 days to find out what happened. I was again promised that everything would be fixed but that it would take 7-10 business days. I informed them that this was not acceptable since I had already call on this and they had not fixed it. I was promised by the lender that they would get it fixed and that they were putting in a " ticket to get it fixed quicker ''. I again checked on XX/XX/XXXX and still it is not fixed. I again called the company who told me " it takes time to process, but it has been submitted ''. I checked again today XX/XX/XXXX and it still is not fixed. Right now the company is holding {$4800.00} that should be applied to principle during XX/XX/XXXX and XX/XX/XXXX, and instead telling me I do n't own my mortgage until XX/XX/XXXX which is not what I want. What makes this extra frustrating is that I am currently XXXX, so I have to call in the middle of the night to be able to reach the company during their " normal business '' hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX PHH mortgage issued an escrow account analysis which indicated that the escrow account for my mortgage had a surplus, as defined under 12 CFR 1024.17. The escrow account analysis also indicated that payment of the surplus would be refunded directly to me rather than credited against future escrow payments. The escrow account analysis stated that a check for the amount of the escrow surplus would be mailed within 20 business days. As of today, XX/XX/XXXX, I have not received a refund of the escrow surplus. On XX/XX/XXXX I spoke with a customer service representative of PHH mortgage and informed them that I had not received the escrow surplus refund. The gentlemen I spoke with immediately informed me, without appearing to conduct any investigation into my specific situation, that a check would be issued and mailed to me that week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls on the daily sometimes back to back and as early as XXXX. Ive told them I dont have money now but I will pay when I can. The calls continue everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been for more than one year now in loss mitigation process initially through Doral Bank ( XX/XX/XXXX ) and after Doral Bank takeover, now with Banco Popular de PR, with no results nor alternatives for my situation. The original Loan was made through Doral Bank ( Loan # XXXX ) in XX/XX/XXXX and currently handled by Banco Popular de Puerto Rico ( Loan # XXXX ) since Doral Bank 's takeover. Therefore Banco Popular is presently Servicing Mortgage Loan # XXXX, as servicer for XXXX XXXX Bank, NA. At the same time I was in the Loss Mitigation Process I was sued and summoned for foreclosure by Banco Popular de PR. As Banco Popular explained to Mediation Court, they work both processes simultaneously. Also Banco Popular informed at the Court, that they can not provide any alternatives for my case because XXXX XXXX does n't provide any alternatives for Loan modifications or Deed in Lieu for XXXX XXXX area. Therefore I wrote a letter to XXXX XXXX directly because I want to confirm that XXXX XXXX does n't offer any Loan modification alternatives for XXXX XXXX as it does in the XXXX. I contacted by email XXXX XXXX XXXX XXXX, ( XXXXXXXXXXXX ) about my case and proposed XXXX alternatives but as of today I do n't have any answers. I decided to contact XXXX XXXX directly because the servicer, Banco Popular, has been erratic and uncoordinated and never presented formally options and/or alternatives. As of today I 've never received any written decisions on my case although I 've been constantly supplying and updating requested forms and documents. Now that I 've been in court for the last four months, Banco Popular informs the mediation court that XXXX XXXX do n't offer Loan modification alternatives. I 've been trying to sell or rent the property for the last XXXX years through Realtors with no success. Loss mitigation has appraised my property in XXXX different occasions ( every six months ) but I 've never received any information about the property value. Realtor 's inform me that comparable sales in my area are very far under my outstanding balance, due to the high increased in real estate owned properties in my neighborhood. I proposed a Deed in Lieu or a Loan modification increasing my term to 30 years ( presently I owe 14 years ) reducing my monthly interest at 6.5 % and forbearance in balance in arrears, but unfortunately Banco Popular informs the court they can not help me because of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Regarding XXXX XXXX XXXX Credit Card : I have been trying to receive information regarding this negative information on all XXXX credit reports for 6 months. I have filed disputes and the agencies respond as the information is correct. XXXX XXXX has been reporting sporadically over the past 18 months.It has been either an " OK '', no reporting at all or " PD ''. I have not had this card for XXXX years!. I had written XXXX letters to XXXX XXXX and received the same response. Call a number. I call the number and they tell me they no longer have access to this account! If they no longer have access, how is it being reported? They give me another number for XXXX XXXX. I call that number and the system asks if I am tracking an order???? They give me another number, no one ever answers, I leave a message and do not receive a return call. 
I called Experian directly. Explained this to the representative. She asked me to hold and she would call XXXX XXXX herself. After five minutes I got transferred to the same number I called for XXXX and am asked to leave a message!! The Experian Rep never came back on the phone. 
No one can tell me who is reporting this account to the agencies, why it is being reporting as " OK '' when I have no activity, why months go by with no reporting, and now it shows as " Derogatory '' and I ca n't find these people to find out if I owe them money, and if I do where do I send it. Also, at this point, if I do owe any monies, I would not trust the company to pay them and then delete it off of my credit reports. I am receiving the same responses from XXXX and XXXX. 
Two years have gone now since I have repairing my credit. I have completed everything that all agencies, credit companies and financial institutions have asked, and my score has gone down! I am unable to secure loans, a mortgage or credit cards. I am a XXXX XXXX XXXX male who has lived by the rules and that has not helped as I can not work any longer. 
You may contact me for any additional information you may need to complete this complaint.

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 2021-01-08
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2020, I noticed that there were several withdrawals from my banking account that were for XXXX XXXX. The total amount of the charges was just under {$700.00}. In fact, I looked because I had been alerted by Regions Bank that there was unusual activity on my card, causing me to check into this. The charges that totaled {$700.00} were well within 60 days of me calling the bank and reporting these fraudulent charges. 

As I continued to look through my account, I saw where there were fraudulent charges to XXXX XXXX starting in XX/XX/2020. I did not anticipate being reimbursed for the charges outside of 60 days of my reporting, but I reported them nonetheless. 

I was reimbursed by Regions for the charges that had taken place 8 and 9 months previously, but Regions refused to reimburse me for charges that had taken place within 60 days. 

The ones I was reimbursed for were months ago, were for the exact same thing that was being charged to my card for all the other fraudulent charges, and it was Regions who alerted me to fraudulent activity. Yet, Regions Bank refused to reimburse me. I have banked with Regions Bank for 26 years. I have a mortgage with Regions. 

I requested this be looked into. I emailed and received vague responses. I called and was put on hold and ultimately disconnected. I called my local branch in XXXX, Mississippi and after a month and multiple phone calls that went unanswered was once again given vague responses. I was put on hold to speak with a manager and was disconnected. When the woman called me back, she put me on hold again where I sat and no one got on the phone. 

I will be closing my account with Regions. I will pay off my mortgage and never do business there again. I will tell my mother and all other family members to never bank with Regions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: The Aligned Company DBA Extra
State: MA
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:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for any sLigost

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, at XXXX am, I received a call from Rocket Mortgage ( also known as Quicken Loans ). They are the holders of my current mortgage, and they said that I could refinance, that way I could take money out to pay off my credit card debit. I was asked how much I paid for the unit which I told him that it was around {$210000.00} and I was also asked if I knew what the current sale price on my unit. I told him I did not know so we both went on to XXXX and it came up to {$280000.00}. He said that was good. I talked with them for XXXX minutes, where they went through the whole refinancing process. We even went through the breakdown on my credit card bills. They gave me all the figures of what my new mortgage payment would be and how much extra cash I would have after I paid off my debt. They went through the entire process of the refinance even telling me that I qualified for the refinance without a home inspection. When they got into the final piece of the mortgage Application, they said they had a series of questions which I was not obligated to really answer. But after qualifying I did not see a problem with answering. There was XXXX specific question about XXXX. Some of the questions was XXXX  XXXX, XXXX, XXXX, XXXX, or XXXX XXXX. I answered that I was XXXX XXXX. After I answer the question, he suddenly says something like oh I will be right back, I made an error in your application. He comes back and says oh I forgot to put in the unit number then everything changed. First, when we started this process, I gave them my address which included the unit number. My current mortgage is with Rocket Mortgage, so they had my address and unit number already. According to Rocket Mortgage I still qualify but for less. Just a fraction of what he quoted me. At that point I was suspicious, and I was angry because if I had not said XXXX XXXX, I am quite sure there would not have been an issue. I was discriminated against by Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Have send several letters with supporting documents to XXXX, XXXX and XXXX requesting my name change, address change,4 closed accounts and 9 Hard inquiries to be removed but all 3 credit bureaus have failed to assist me with my credit score instead my credit score is being sabotaged.Please I am asking for help to fix this issue.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 explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The merchant and Bank of America did not properly review the documents I provided. Using the same information B of A provided, is the exact reason for my complaint and dispute. I purchased high end tickets, AGREEING to terms that were broken by the merchant. See attachment for proof.

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 2018-03-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false.

I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXX and XX/XX/XXXX and not {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) / XXXX / {$860.00} XXXX XXXX / XXXX / {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Experian, account were successfully deleted. Subsequently, the account was added after no notice was given as per the law. With blatant disregard for FEDERAL LAW, the account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.

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