BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, my husband and I locked in a mortgage interest rate of 3.25 % with .125 % credit, for 60 days with Citizens Bank. This rate was contingent on my opening a Citizens Bank account, which I proceeded to do. However, when we received the closing disclosures for my mortgage on XXXX XXXX, the interest rate was listed as 3.5 % ( or 3.375 % with a Citizens Bank account ). When I inquired about this discrepancy, my loan officer told me that there were utilization ratio issues, but that she had taken the needed steps to get the rate I had originally been quoted and had submitted all necessary documentation for approval of the originally quoted rate. My loan officer later confirmed via phone that this had been approved. 

We received the final closing disclosures the evening before our closing ( which was scheduled for XXXX on XXXX XXXX, after having been delayed by Citizens for several days ). The interest rate had not changed. I emailed my loan officer multiple times but received no response until I reached her by phone the next morning. She told me she was working on getting the rate adjusted as promised. However, a mere two hours before the scheduled closing, she informed me that she would NOT be able to give us the rate that had been locked in. She suggested postponing the closing on our purchase until after the closing on our sale ( which was scheduled for the morning of the next business day ). 

Because it was only two hours before the closing and we 'd had issues even getting the seller to the closing table, my lawyer strongly advised against postponing the closing. Doing so would have put me in breach of contract, and we had no viable options for postponement or alternate loans at this late date. I was forced to close with a difference in the mortgage interest rate that increases my costs over the lifetime of the 30-year loan by about {$30000.00}. My loan officer loan officer told me that the best she could do was to refund the closing costs ( {$840.00} XXXX, which she requested to be expedited. Unfortunately, it 's been over two months and we have yet to see this credit or even have an update as to when I can expect it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to make a transfer from my wells fargo bank account but the account was froze due to suspicious activity so it took me a couple weeks to move my funds from the account and somewhere else that wouldn't freeze my account so i could make the transfers i was attempting to make. Its my understanding that Wells Fargo who be paying me {$100.00} for the problems in the agreement that was made for their illegal activities.

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 2020-08-12
Company: STATE FARM BANK, FSB
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: Information belongs to someone else

Complaint:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report that arent associate with my name XXXX XXXX or my address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Rewards

Complaint:
American Express mailed me an offer of XXXX bonus Delta Skymiles if I applied for a card. The offer had my existing personal Skymiles number referenced on the offer. There was a website link on the offer XXXX, however a few days after I got the mailed offer, XX/XX/XXXX I was on XXXX 's website purchasing a ticket and prior to finalizing my purchase, an American Express offer to apply was presented. This offer appeared to be for XXXX miles but I remembered the offer I had gotten in the mail, and applied ( with the assumption that my Skymiles number would, both on the mailed offer and on my XXXX account, would internally honor to XXXX miles offer ). When I got my card, I noticed the disclosures only referenced the XXXX miles and immediately called the customer service number and asked Amex to honor the XXXX miles offered to me on the mailer. I spoke with a gentleman named XXXX and was told that because I did n't apply on American Express 's site, that it was not the same offer. He said I could apply again and close the card I had just gotten. I said that I 'm not going to have another inquiry on my credit bureau when you or someone with authority should simply be able to internally code my brand new card with the better rewards offer, and if they were n't willing to do so I did n't want to even activate the card and would close it. Also, the website on my mailed offer was clearly a XXXX website ( XXXX ), not advertised as an American Express website, so he asked me what the code inside the mailer was. I gave him the code XXXX, which he confirmed was a XXXX offer code. There was no where for me to enter a code on XXXX when I did the application when purchasing my ticket, but again, I figured since they marketed me through my Skymiles number, it would honor the better offer. At this point I was told a resolution ticket would be opened and that it should n't be a worry that they would go ahead and honor the better offer. The resolution code they gave me was XXXX. American Express is supposedly renowned for their excellent customer service so I had no doubts that common sense and service would prevail, however, 6 weeks later I still am waiting on a resolution. I called back, spoke to a manager named XXXX and was told the case was not resolved but the odds were I would not get the additional XXXX miles because I had n't applied through the correct channel to begin with, but to call back in a few more weeks. I was being given the same excuse all over again. To me, this is misleading marketing and advertising and I would like a resolution that results in the additional XXXX miles to be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Information belongs to someone else

Complaint:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: ERC
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX overdue debs that have been transferred or assigned to an collection agencies Enhanced Recovery Corp XXXX and reported to XXXX and XXXX. As per information provided from credit report agencies accounts were opened at XXXX Florida USA and I NEVER live there nor have any address overthere. All my life and my credit experiences have been in XXXX XXXX. There must be a fraudulent request for credit on my behalf. Please correct that information which is affecting my credit scores and reports. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like your help on getting EXPERIAN to do what they are required to due in a matter of Identity Theft. EXPERIAN has been ignoring my notice of fraud on XXXX student loan accounts even though I sent them documentation of the court case and successful prosecution against the person who committed fraud against me and the XXXX and XXXX student loan companies. 

Not only did I not sign any loan agreements, or have knowledge that my name was put on the loan documents but the prosecutor also got a hold harmless document included to protect me in regards to this matter. 

I want these accounts removed from reporting on my credit report and a block placed on these accounts. 

Attached are copies of the court papers with sentence, the hold harmless ( specifically pages XXXX through XXXX ), XXXX of a number of letters sent to EXPERIAN disputing the Identity theft XXXX pages of the EXPERIAN credit report The latest refusal by EXPERIAN to block the identity theft and their decision to ignore me and the facts. 
Total of XXXX pages Note : part XXXX of docs are pages out of sequence but numbered ...

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 2017-01-30
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This formal complaint concerning and XXXX their business practices.ERC is reporting a debt is not mine This bureau continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. 
I m disappointed! I dont know how to delete it from my name I dont understand why you put this negative information on my account.

Im sure that someone used my personal information and applied for it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Exeter Finance Corp.
State: ID
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:
Upon receiving   XXXX   credit denial letters from Exeter, I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report either time. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  X/XX/2017   . They responded to my letter stating that they received an electronic application from  XXXX   XXXX  and  XXXX   XXXX   XXXX   XXXX , and despite me not applying for credit with this company, and Exeter not providing any evidence or documentation that I did in fact provide an authorization to have my consumer report pulled they are refusing to remove the inquiries dated  XXXX   XXXX  and  XXXX   XXXX    XXXX  .     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws . I have asked that this unauthorized inquiry be removed immediately. I have not authorized this company or any third party to pull, view or use my credit consumer report, therefore it was obtained without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: ERC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Erc contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off XXXX credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-08-12
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a Account Validation letter to Hunter Warfield and it was received in there office on XX/XX/2020. Hunter Warfield is reporting a debt on my credit report and they keep reporting that the balance increase by {$1.00} and then decrease by {$1.00}. They are blatantly attempting to re-age this account and keep it on my credit reports and this is a clear violation under the FDCPA. The information they sent me is not showing where this is my account. That is not an address that I am aware of residing.

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 2022-09-15
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX to inquire about paying off my lease. I was advised that they would be able to asisst me and we scheduled an appointment for XX/XX/XXXX. On XX/XX/XXXX, i was advised via text message that i would have to get the car inspected for safety reasons. I was not advised of any fees associated with this inspection. Upon my arrival at the dealership, my car was taken back for the inspection. A while later, i was given the final payoff amount which included a {$990.00} dealer fee, and a {$190.00} inspection fee. These fees were never disclosed to me prior to my appointment. I informed the representative and the general manager that these should not be charged as they were not legal nor in my lease contract. The dealer would not budge and refused to waive the fees. After going back and forth for a while, the general manager refused to complete the transaction and I was asked to leave. According to the federal consumer lease act, the only fees that may be charges on the backend are fees disclosed in the original lease agreement. In my contract, it states there will be a {$390.00} disposition fee. No other fees are indicated. I contacted two other XXXX dealers in the area and both indicated that there would be no dealer fees charges. One dealer even indicated that they would not complete the buyout due to the fact they could not legally charge such fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
under Experian membership program offers are sent to apply for credit without effecting credit score, but the instant you apply it effects/decrease score. I have called Experian and spoken to XXXX representatives from membership to Disputes and none helped, they kept giving me different numbers to call.

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 2020-08-12
Company: Duvera Billing Services, LLC
State: NJ
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 have a loan with NYS OTDA, DUVERA FIN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DUVERA FIN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Customers of a local XXXX restaurant here in XXXX XXXX, XXXX 's in XXXX XXXX, have been seeing random charges hit their debit and credit cards. The restaurant uses the Clover POS system. The restaurant is claiming that customers who visited between XXXX and XX/XX/2021 were not actually having their cards charged due to " payment processing errors. '' They now claim they are " catching up '' on charges from months ago. To consumers, who don't remember they ate here months ago, are of course just seeing the charges and thinking they are fraud. In addition, there was no warning or communication that they would be charging customers cards well after their visit to the restaurant. As a consumer I am concerned that a merchant can maintain my card information so long after a visit and effectively charge my card without me being present. This seems borderline illegal, especially because these charges could result in consumers being hit with overdraft fees not expecting these charges to hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been discriminated against due to my race and name. Applied for investment home mortgage loan provided all the necessary paperwork, healthy savings account info, all my assets, and current up and running business profit and loss reports along with business bank statements. I was provided with a mortgage commitment by the letter 2-3 days prior to my closing the underwriter decided to ask for more paperwork which was also provided for them. Then the decision the underwriter made was to deny my loan with no proper reason, just with the excuse that my company was not profitable which is not true. All reports were provided with large profit balances statements. If someone can please help me investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 have a loan with XXXX XXXX, XXXX XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Genesis FS Card Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is updated information! I've contacted this company numerous times to report identity theft, this account is not mine. I submitted a FTC Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have contacted Coinbase several times only to hear from them that they are sorry but they can't help and the case is closed. During XX/XX/ I have used their platform website/ wallet to purchase and send bitcoin to, as it later turned out, a fraudulent trading company. I believe the Coinbase need to take responsibility for not protecting their clients from fraud. the sum invested is around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and my personal information was also compromised in the XXXX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing on 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