BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
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: Account information incorrect

Complaint:
Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my experian credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my XXXX shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my XXXX  report showed a late payment on XXXX of XXXX. 

I have the same situation on my experian report with XXXX Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my XXXX report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my 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 2018-05-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I received a notification by mail from my private loan Navient regarding Interest Rate Reduction program confirmation. According to the letter I was to first complete three qualifying payment of {$30.00} beginning of XX/XX/XXXX. I made the payment of {$30.00} online on XX/XX/XXXX and called Navient the same day. However, their office was closed and I left a voicemail with my name and contact information to verify the payment was submitted. I called again the private loan to confirmed payment and enrollment in the interest rate reduction program. However, I was not given any answers instead I was informed that my message was going to be sent to the department in charge of the program. I decided to call again on XX/XX/XXXX regarding the letter I received. I was informed by customer service representative that the program does not apply to the loan I have with them. I explained that the letter includes the private loan account number I have with Navient. However, customer service representative kept on reassuring me that it did not apply to the loan. 
I was very confused with this information since the letter did include the account number and reference number. I then requested to speak with the manager regarding this matter. The customer service representative put me on hold and then mentioned that the amount of {$30.00} on the letter was a mistake. I asked to speak to the manager again regarding this matter. The manager then explained that Navient did a mistake in sending the payment to be of {$30.00}. I told the manager how it is possible that they send false information to the customers. This is not the first time it happens that they send me false information. Regardless of the mistaken from Navient, the manager was going to proceed in enrolling me in the program. The manager then told me to check in 7-10 business days for the interest rate to change on my loan. I called on XX/XX/XXXX and there was no update on the changes. Up to this date, they keep telling me they working on changing the status of my loan. I have called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been calling and leaving a message to the person handling my loan at Navient. That person has not returned my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX I received a letter dated XXXX XX/XX/XXXX from my credit card company informing me that there is a possibility that your personal information might have been exposed in the Equifax breach announced in XX/XX/XXXX. The letter was sent to my po box in XXXX where I had recently moved to begin a new job. 

From the Equifax website I got inconclusive results when I tried to verify my involvement in their breach. I alternatively got results stating I WAS affected and then that I was NOT affected when I searched their system. Assuming the former to be likely, I filed a claim on XX/XX/XXXX requesting, via the Equifax Data Breach Settlement Claim Summary, enrollment in Option 1, Credit Monitoring for which I would be sent instructions to your email address or your home address.

This never happened. I assumed for the past 3 years that I was receiving their credit monitoring. Only on XXXX XX/XX/XXXX did I receive an email from Equifax informing me that I was not a member of the Settlement class and not eligible for settlement benefits. Their email referred me to a phone number for the Settlement Administrator. 
A phone call to the administrator ( XXXX XXXX XXXX ) resulted in that entitys inability to find my name or social in their list. They gave me a number to call at Equifax, which simply referred me back to the XXXX phone number.

Just for grins I decided to attempt to obtain my free annual credit report online from Equifax. These efforts were also stymied with unexplained failures of their system. After hours on the phone I managed to speak with an Equifax rep, presumably in the XXXX, and she reported that according to Equifax records, my address was still a po box in DC ( actually closed since XXXX when I had moved to XXXX ). This is very strange since the Equifax Data Breach Settlement Claim Summary mentioned above for which I printed my signed copy, gives my correct address in XXXX as of XX/XX/XXXX, and my phone number and email on this form remains the same as it was then. She was unable to give me online access to my credit report but had it mailed to me. 

I also responded to the XXXX Equifax email on the link they provided, but have had no response from them regarding what they want by way of " proof of Class Membership. '' Obviously, Equifax is in no position to monitor anyones credit if they cant even keep our addresses up to date, despite having them in their own legal records, entered in their own system, and corroborated by all the agencies whose data they harvest. The fact that I have gotten no satisfaction from Equifax almost 5 years after my data was compromised, shows them worthy of investigation and stiff fines from the Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: DISCOVER BANK
State: CA
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:
On XX/XX/XXXX I was checking my credit report and figured out incorrect information that I disputed with companies and it came back as certified but the addresses on my credit report are wrong that don't belong to me.Also I was a victim of data breach and my information was compromised and used and I told all of this to creditors and credit bureaus but they messed up on the investigation and gave a wrong information to credit bureaus so they kept all this wrong information on y credit report.I also did report and FTC report for further investigation and here 's the FTC report number XXXX XXXX also go ahead and attach it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a credit card with the capital one bank. that ends in XXXX and two days ago my card was canceled due to fraud. the three credit bureaus notified capital one this account was active and I was using it normally and I want to recover it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had 2 accounts opened up that I do not recall opening with Chase that were overdrafted. I've tried solving this with the bank and filed a police report which they refuse to accept and told me I needed to go to another agency to file ( filed with State Police ). This is going back and fourth with no resolution and no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: ID Analytics, Inc.
State: WI
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 reached out to SageStream via phone to get a copy of my consumer report and they directed me to their website. I submitted the information including a picture of my passport and they still refuse to send me a credit report saying, the identification is not enough. SageStream is intentionally and illegally making it difficult for consumers to access their consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently got a late payment ( XXXX ) notice from multiple credit monitoring services. The recent late payment notification was reported by TRANSUNION INFORMATION SERVICES on a closed charge off account ( XXXX  ) that has been closed for over 3 years. This should be impossible. This inaccurate reporting of a late payment on a 3 year old closed charge off account dropped my score XXXX points! Inaccurate reporting is a violation of the FCRA. And the listing of this account as open is coming from TRANSUNION. I disputed this with Transunion asking for this to be corrected and the account deleted. They only deleted the late payment but not the account. Leaving me with a XXXX pt hit on my FICO and now credit reporting services are starting to report me as having a recent late payment when in fact i have not been late in over 2 years. The way this account is being reported is a violation of FDCPA. AND FCRA

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 2022-09-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today is XXXX My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Acct ending XXXX Deposited a US Postal Money Order for {$1000.00} dollars on XX/XX/XXXX at and US Bank ATM in XXXX CA. US Bank placed an immediate 10 day hold on the check. When I contacted US bank on XX/XX/XXXX & XXXX to follow up on the hold I was told that US Bank can not remove a hold once a hold has been placed under any circumstances. The initial phone call to US Bank was to XXXX I spoke with XXXX at extension XXXX at toll free XXXX on XXXX and she confirmed that the bank would not and could not remove the hold under any circumstances until the Money Order had cleared. 
The Postal Money Order in question cleared on XX/XX/XXXX according to the US Postal Service and can be tracked and verified below via this link XXXX XXXX XXXX Check Money Order Status XXXX XXXX XXXX Money Order # XXXX has been cashed. 
'The information received is based upon the most recent information the United States Postal Service has '' As the bank has already taken possession of our funds it is simply wrong that they would hold a small business 's funds for no apparent reason. Similar checks ; also Postal Money Orders were deposited at XXXX XXXX  in XXXX and the funds were available the next business day.

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 2017-02-03
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX Address : XXXX 
XXXX, AL XXXX Pursuant to : 1. a : RESPA, XXXX U.S.C. XXXX ( XXXX ) ( XXXX ) ( B ), b : XXXX XXXX XXXX XXXX XXXX f ) ( 2 ). 
c : TILA XXXX XXXX XXXX XXXX g ) ( XXXX ) a-e d : XXXX XXXX XXXX XXXX https : XXXX XXXX. All XXXX policies associated with the subject mortgage and any TRUSTS, including but not limited to XXXX Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate XXXX days fannie mae rate in XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. XXXX ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Conn's, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I purchased three tv mounts, washer and dryer and king size bed with mattress at Conns XXXX  in XX/XX/2021. I made my first payment of XXXX dollars in XX/XX/2021. I received phone calls stating that my account was late even though I paid before time and more then the minimum balance. I was then informed that I had two separate accounts and the balance only went to one account. I asked why did I have two accounts when I purchase all these items at the same time. They did not have answer and stated that they could merge the two accounts together when I bought the other account current however, this never occurred along with multiple phones calls and asking for this request. I begin to pay in large amounts in order to pay off the accounts. XX/XX/XXXX I paid XXXX dollars. I have asked for documentation of my payment history and yet have received. I noticed when paying large amounts of money my balance was not decreasing. I called and asked if they had applied interest to my purchase. I was informed that a interest rate was applied. I signed a contract that started that I had 12 months interest free. I looked up the interest rate which was 29.99 % that the company did not inform me of. The company refuses to take off the interest. I have tried on several occasions to reconcile the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am yet another customer affected by Mr Cooper 's payment system issue, however it seems that I may be in the minority who have yet to receive the refund. My mortgage loan was transferred from XXXX to Mr. Cooper on XX/XX/XXXX. After loan setup, I made the XX/XX/XXXX Mortgage payment via their website on XX/XX/XXXX. This payment went thru smoothly, however they deducted an extra payment from my on XX/XX/XXXX. I received their notifications regarding the error in payment processing and I thought it would be rectified shortly. My account was actually credited my amount, however they debited the same amount on the same day ( XX/XX/XXXX ) therefore cancelling my refund. I then thought may be the extra payment will be applied towards XXXX mortgage bill, however they deducted another payment on XX/XX/XXXX. I have called them several times and sent several emails and all I have received is canned responses and I have yet to receive a concrete answer when I will be refunded my money. I have started a dispute with my bank, XXXX XXXX, however they are slow to respond as well. Today is XX/XX/XXXX and they are still holding an extra payment and I have no timeline when it'll be refunded. 
Here is a clearer synopsis of the events that transpired : XX/XX/XXXX : I made payment to MrCooper XX/XX/XXXX : Unauthorized payment taken out of my account XX/XX/XXXX : Extra payment refunded to my account, however XX/XX/XXXX : 2nd unauthorized payment taken account again XX/XX/XXXX : Autopay payment for XXXX mortgage taken out. 


Please help in any way that you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian credit reporting has failed to update my credit report in a timely manner of all inaccurate and negative comment account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX ( she uses multiple different last names ) of XXXX used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and XXXX. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.

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 2022-09-01
Company: PulteGroup, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im working with Pulte Mortgage to secure a loan and my initial cash to close which I received on the XX/XX/2022 was {$19000.00} and mortgage payment is {$3300.00}. I started working with XXXX XXXX XXXX XXXX ( XXXX ) and I received a loan estimate from them on XX/XX/2022 with a cash to close of {$17000.00} and total monthly payment of {$3100.00}. 

I shared the loan estimate I got from XXXX with Pulte and they got back to me on XX/XX/2022 with an offer of an additional {$10000.00} in seller credit ( they offered {$7500.00} initially ) making a total of {$17000.00} in seller credit. This brought my cash to close to about {$12000.00}. 

I informed XXXX of this and decided to move forward with Pulte. On XX/XX/2022 they reached out to me saying they made a mistake and they meant to give {$2500.00} in additional credit making a total of {$10000.00} in credit. They waited for about 2 weeks to inform me of this and I cant even go with XXXX as it is too close to my closing date which is XX/XX/2022. I reached out to them and they eventually offered $ XXXX in credit making total of $ XXXX instead of {$17000.00} that was promised. 

I made other plans when the $ XXXX was promised to me and now Im supposed to cough out {$5500.00} less than 2 weeks from closing. They sent me the loan estimate detailing this on XX/XX/2022 with a closing cost of {$16000.00} after adjusting for my home insurance amount and other costs. 

I feel cheated and dont know if this is even legal. Am I supposed to take the fall for the mistake the lender made? Like is this even legal?

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 2018-07-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have attempted to recover my missing funds in the form of bitcoin from Coinbase since XX/XX/2017. I have emailed them several times and spoken to their customer service and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large cable company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX XXXX  that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to Sallie Mae about this and they basically told me tough cookie. I defaulted on the loan in XX/XX/XXXX and have never looked back. In XX/XX/XXXX they sold the debt to Navient. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.

Company response to consumer: Closed with explanation