BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: NAVY FEDERAL CREDIT UNION
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: Public record information inaccurate

Complaint:
Navy Federal Credit Union ( NFCU ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at NFCU and 3 disputes with the credit bureau. NFCU falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation NFCU has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. 

I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to NFCU for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. 

Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. 

Your help in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Opened a XXXX XXXX XXXX Bankamericard World Mastercard account XX/XX/2016 to assist with my new business. I also sent in the form for automatic payments from my bank account to ensure that payments were on time and my credit remained good. I noticed today on my statement which I received XX/XX/XXXX, that there was a late fee. I called to see why a late fee was charged as I had automatic payments set up from my bank account and therefore there should be no late payments. The customer service representative said she could find no record of my automatic payments and I was also going to be charged another late fee for missing the payment date XX/XX/XXXX. She believed me about the payments I believed were being automatically taken from my checking account and offered to remove the late fees ( XXXX ). She discovered that my credit card account had been closed a month after I received it, ( XX/XX/2016 ), for the reason " that I had other sources of credit ''. She said a letter had been sent. I did not receive such a letter and was shocked to hear this. I asked if I could talk to the manager of customer service and was put onto XXXX XXXX. 
XXXX asked me if I had looked on my statement. I told her I am very vigilant about looking at my statement and that the late charge I had just seen on my statement was why I called in the first place. There was nothing on this or my other statements telling me the account was closed. This may be the reason the automatic billing was not put in effect. I believe that consumers should have information as important as cancellation on their statements and that my late charges should be forgiven due to the circumstances of my believing I was on an automatic payments system. Even more important, my credit should not be impaired for events I was unaware of and could not remedy. I also do not understand why a card was given to me in the first place if it was going to be cancelled the next month.

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 2018-01-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I made a wire transfer to Coinbase XXXX days ago. I contacted my bank the XXXX XXXX XXXX, which I believe is the XXXX XXXX, but they both claim the money went through a long time ago. I submitted multiple inquiries through email, twitter for days but no one replied. I tried to call them but they said they could not handle money transfer through the phone or do not even pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a William-Sanoma Signiture Visa, it has been paid off for a few month and chose to use it at XXXX on the XXXX XXXX XXXX on XXXX and the decline a XXXX and change transaction. I called find out why and the rep could really figure it out,. I told then I did not need the card and he put me on hold for XXXX minutes and XXXX seconds. That is abusive and i believe they did it on purpose so I would hang up and not bother closing my card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at XXXX and 3 disputes with the credit bureau. XXXX falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation XXXX has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. 

I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to XXXX for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. 

Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. 

Your help in this matter is greatly appreciated.

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 2016-07-07
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Communication Tactics may also apply. 
Made an attempt to pay off an eviction claim from XXXX by calling Hunter Warfield. Since I am trying to pay off a huge student debt and all of the costs associated with being evicted due to health problems that started in XXXX, I offered {$50.00} a month. The representative said that this was good and that after the first year they would re-evaluate my case and see if I could pay more or possible give an offer to charge off. The phone call was interrupted and mysteriously dropped. When I was able to speak to them again I was told the {$50.00} would not work and it would take ten years to pay off and that I could send payments in to an address at XXXX florida XXXX To Account # XXXX. But that was it. No cards, no bank routing number, no agreement of any kind. This not only seemed like a " bait and switch '' tactic but it also left me with a sense that the representative was trying to squeeze more money out of a budget that does not even allow me to keep a roof over my head in my own name. I am extremely concerned that there would be no paper trail as I currently do n't have checks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). 

The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ). They did not do their diligence in obtaining the approval to complete a additional loan modification to assist the client in obtaining their loan with the VA.

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 2016-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When GMAC Mortgage went bankrupt our loan was assigned to Ocwen Loan Servicing LLC . Ocwen serviced the loan from XXXX XXXX, XXXX through XXXX XXXX when the loan was assigned to XXXX XXXX XXXX. 

Ocwen Loan Servicing is reporting account number XXXX as a conventional real estate loan with a payment history from XXXX XXXX through XXXX XXXX. Ocwen was not then lender at any point in time. They were the loan servicer for a only 6 months. 
The Office of Personnel Management ( OPM ) had a cyber attack ; I received " cyber security '' that allows me to review information on the credit reporting agencies. 

My wife and I went through Chapter XXXX bankruptcy ; the discharge was in XXXX of XXXX. 

Ocwen is reporting late payments on discharged debt post bankruptcy from XXXX XXXX through XXXX XXXX to XXXX and XXXX. 

Ocwen is reporting late payments prior to when they were the loan servicer to XXXX. Negative payments are reported from XXXX XXXX through XXXX XXXX. GMAC Mortgage was the loan servicer during that time and the loan information already appears on our credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: MO
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've reported these fraudulent accounts with the proper channels, now im re directing it back to the credit reporting agencies with a demand to remove and block the following unauthorized and unknown accounts. Please remove these accounts immediately. 

1 ) XXXX  XXXX XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX {$610.00} 3 ) XXXX  XXXX  XXXX {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's 29 unauthorized and unknown inquiries reporting on my Transunion credit file, inquires not authorized by me, so that makes these inquires fraudulent therefore I'm demanding that these inquiries 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 explanation
Consumer complaint received 2017-02-25
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an existing case number XXXX, but I have more information to add. I made my latest mortgage payment on ditech 's website yesterday ( XX/XX/2017 ) and AGAIN the payment was misapplied to principal instead of to the XX/XX/XXXX due date. I have called them but this HAPPENS EVERY MONTH, regardless of whether I mail a paper check or do a one-time payment online. Please help me stop this cycle from continuing!!!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On or about XXXX/XXXX/2015 I applied and was denied credit through XXXX bank. The reason that XXXX bank stated for their decision was my debt to income ratio was being negatively offset by the reported monthly payment amount by Mercedes Benz To XXXX in the amount of {$4500.00} when infact and according to my contract between MBFS and I the monthly lease payment amount was for {$450.00}. The vehicle has since been turned in per the attached letter and I am no longer in possession of the vehicle. All payments made on time. There is a payment arrangement in place regarding the remaining balance of {$3800.00} for early lease turn in ( 3 months early ) and excess miles, which I 've been paying on monthly {$600.00} until paid. 

Related CFPB case XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
called saying he is a court processor and has papers to serve me. 
If i do n't response or accept I will be prosecuted. 

Numerous calls to family members. 
Have my civil lawyer call and send a cease and desist letter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are the law firm that is retained by the borrower to assist with the short sale of their property. The 1st mortgage is a payoff, XXXX is being shorted. File was submitted to Ocwen the 2nd lien holder on XXXX. On XXXX was advised that we were waiting for decision to the approval, XXXX under final stages of approval decision with in XXXX to 48 hours, XXXX file still under review, file was escalated, XXXX file escalated again waiting for evaluations to be received, XXXX file escalated again, XXXX still waiting evaluations, XXXX still waiting for values, XXXX XXXX is attempting foreclosure due to lack of Ocwens review and still pending valuation, XXXX still waiting evaluations, XXXX still waiting valuations, XXXX still waiting evaluations, XXXX still waiting evaluations. This is unacceptable Ocwen has been lagging with this file. It should not take over 30 days for Ocwen to provide the approval for this short sale due to the incompetency of Ocwen the file has now been submitted to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: SC
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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Care credit has reported me late on my credit file. This is incorrect because care credit has offered me a settlement on this account and I have been on time with my 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 explanation
Consumer complaint received 2021-12-24
Company: GOLDMAN SACHS BANK USA
State: OR
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:
I ordered a product in the amount of {$210.00} from XXXX on XXXX XXXX, 2021. After waiting two months with no update, I contacted the merchant to inquire about shipping status on XXXX XXXX and XXXX XXXX. I received no response from the merchant so I opened a dispute with my credit card provider ( Apple Card / Goldman Sachs ) on XXXX XXXX. 

On XXXX XXXX, I was informed by Apple that my dispute had been denied due to the following reason : The evidence received confirms that you received a refund in the form of a voucher. For example, store credit or a voucher I did not receive a voucher, store credit, or anything of that sort. The merchant has not contacted me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I opened up a credit card with terms that if I spent a certain amount I would get a bonus of XXXX miles. I did that and the credit card did not honor the bonus.

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 2021-12-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021, I transferred my friend XXXX XXXX {$10000.00} USD using PayPal. This was NOT for a business transaction. This was a one time transaction sending money to friends and family. 

PayPal classified this transaction as a " Business '' transaction and charged a {$300.00} fee. After explaining the situation to PayPal they refused to refund and refused to classify this transaction as between family and friends. 

PayPal transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was involved in a data breach with XXXX, and I see some inquiries on my report that I don't recognize.

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