BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: PA
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:
Wow, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

COVID-19 has really messed me up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I would like to report Wells Fargo for several unfair business practices and total lack of customer support. On XXXX XXXX, a person whom I shared an account with setup a checking account without my knowledge and then linked that account to my personal checking account without my approval. This person then transferred all of my personal money and left me completely broke. I notified Wells Fargo of this because it 's no different than someone I do n't know finding out my checking out information and doing the same thing. I reported this to Wells Fargo as soon as it occurred and Wells Fargo refused to accept this as fraud and allowed this person to get away with stealing. Wells Fargo advised me that I can close this account and still receive the direct deposits I was anticipating. However, the direct deposits did not post or transfer to my new account as Wells Fargo ensured me they would. This has resulted in me losing a crucial severance check from my previous employer. No one at Wells Fargo showed customer service or sympathy to my situation and I want to elevate my concerns.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022, while reviewing my consumer report I noticed inaccurate personal information being reported. I contacted Experian via certified mail, including documents to verify my identity. To date, I've received negative results from Experian in reference to this matter. 

Certified mail # 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 2022-10-21
Company: Experian Information Solutions Inc.
State: OR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}

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 2016-06-18
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I 'm unaware of this debt. I 'm XXXX and homeless. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$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 2022-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
see attachments! I was deemed not credit worthy when the company accessed my consumer report based of their own company policy also a credit transaction was started with my credit card and I received no benefit which both are against the law. please see attachments!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax and XXXX have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at Equifax and XXXX on XX/XX/20. They refused to remove the inaccurate and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$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 2022-10-21
Company: EQUIFAX, INC.
State: OR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Paypal Holdings, Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PayPal owes me several refunds and has told me over and over again that it takes 5 business days for the refunds to post to my bank account and my mom 's bank account. Well it's been over 5 business days and I have checked both my bank accounts and my mom 's bank account and there's not one refund posted to either of our accounts! PayPal will not answer the phone whenever I call them about this. PayPal claims that there are cases still open, yet those so called open cases have refunds attached to them and the cases that don't should have been closed in favor of my mom and me. This is based on several things involved in those so called open cases. I have tried several times calling PayPal no luck they won't answer the phone. I send them messages in their message center and they continue lying to me. There is absolutely no reason whatsoever that I should believe PayPal will send me and my mom our money back even though they are supposed to. Plus I want PayPal to send my refunds to a bank account I gave them but they refuse.. my XXXX XXXX XXXX  account even though I've linked it to my PayPal account like PayPal told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I locked my Coinbase account as a security measure to protect it as I could not login and could not reach customer service. 
I have submitted 3 total request to Coinbase over the course of the last 2.5 weeks starting around XX/XX/XXXX. I also tried emailing an address I found online ( XXXX ) on XX/XX/XXXX but that address only sends a bounce back message. 

This is a custodial wallet service through Coinbase with XXXX so they have verified my driver 's license and my address is tied to a bank account as well. 

I use Coinbase app on my phone and logged out at one point to reduce me checking virtual currency prices and possibly swapping/purchasing more. 
Since I am used to logging in with my fingerprint ( biometrics ) before on the my phone app, I could not remember my password. 

Unfortunately, I had setup a new more secure email just for Coinbase ( on XXXX vs XXXX previously ) that I do not regularly use, I could not remember my password for the email tied to my account to reset my password. 

In this situation where I could not access my account nor reset my password using the email tied to it, I felt it best to lock my account to secure it. Prior to doing this, I tried to see if I could call Coinbase customer service and realized that they had no LIVE customer service and only available through submitting requests. 

Searching online - it appears that Coinbase can take weeks and often months to respond ; simply google coinbase and XXXX or any combination you prefer or search CFPB website. 

This seems HIGHLY inappropriate for a financial firm not to have live customer service or one that responds within hours. I am used to XXXX XXXX or XXXX or a bank and being able to reach them on the phone in a matter of minutes. I would not except to wait for months to try to access a financial firm. 

If I knew that there is no customer service from a firm handling $ Billions in volume from the get go- I would never have used Coinbase. 

I appreciate help CFPB can provide dearly and thank you for all that you do. 

Have a nice week!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One Bank/ Credit Cards The bank closed my account without notice, never sent funding back. Had to file bankruptcy chapter XXXX to resolve issue the issue is now reoccurring and my name has been sent to authorities without my knowledge and have been incarcerated and dismissed because of the situation. I have contacted the better buisness bureau and filed a complaint. There seems to be an issue with social security number, collections and debt to ratio as well as re-establishing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022, XXXX XXXX with Rocket Mortgage sent me a conditional pre-qualification letter stating a FHA 30 Year Fixed rate loan could be used for closing on my next property. Prior to receiving this pre-qualification letter, I had informed her that I was actively looking for a primary residence in the XXXX area and planned to keep my current residence in XXXX, TX as a rental. She sent me the pre-qualification letter knowing my home search was in the XXXX, TX area and my current residence was also in XXXX, TX. On XX/XX/2022, I put an offer in on a home in XXXX, TX ( 11 miles from my current residence in XXXX, TX ) and was accepted. Three weeks into the executed contract timeline, XXXX informed me that they could no longer use FHA funding because my new prospective residence is within 100 miles of my current residence that I planned to keep as a rental. As a result, I needed to use conventional funding. Unfortunately, my debt to income ratio was too high to qualify for a conventional loan so they sent me information about what debts I needed to pay down before I could qualify for conventional. I asked for a fee break down or a loan estimate to understand how much money I need to put towards debts to reduce my debt to income ratio enough to qualify for conventional so XXXX sent me a loan estimate for conventional funding with cash needed to close to reduce my debt to income ratio enough to close with conventional. I began looking at pulling money out of retirement accounts to close on this home. At the beginning of XXXX, I received an email from XXXX stating that Rocket would not fund the home at all. They then backdated a letter to XX/XX/2022 that they would not fund the loan and uploaded it to my account. 

I am filing a formal complaint here for two reasons ( 1 ) the milage requirement for FHA funding should have been discovered and disclosed prior to a pre-qualification being sent out. ( 2 ) The ambiguous conventional loan requirements, misleading loan estimate, and backdated letter of disqualification for a conventional loan was extremely deceptive and should have received clear, accurate, and timely communication. 

As a consumer who was provided bad information multiple times, I am in a very precarious living situation. I am under contract on a home that I am not sure I can purchase, and I have {$2500.00} in earnest money on the line. If I had received correct information from the onset, I would have never put an offer in on this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: ACS Education Services
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a student loan through ACS, and 15 years after graduating - I owe MORE on my student loan than I borrowed. This is due to outrageous percentage rates that will keep me paying until I 'm in the grave. This is loan sharking and needs to be dealt with. I 'm not even treading water with them, I 'm drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 I sent a certified letter to Experian explaining there's more then a dozen accounts listed on my report that were inaccurate and also shouldn't of been listed on my consumer report. The inaccuracies listed on my credit report remains still and they're grossly affecting my credit score. I requested to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature and it was not given.

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: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : Acc # XXXX, XXXX XXXX : Acc # XXXX, XXXX : Acc # XXXX, XXXX XXXX : Acc # XXXX XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX XXXX  : Acc # XXXX, XXXX XXXX Acc : # XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX  : Acc # XXXX, XXXX  XXXX XXXX XXXX Acc # XXXX, XXXX  : Acc # XXXX, XXXX XXXX  XXXX : Acc XXXX XXXX XXXX  : Acc # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I started making mortgage payments to my mortgage servicer/company Freedom Mortgage XXXX XXXX NMLS ID : XXXX. 

Per my loan documentation I have a 15 year fixed non-escrow loan with a monthly payment of XXXX. 

On or around XX/XX/XXXX the previous mortgage servicer ( XXXX XXXX XXXX ) made a property tax payment ( {$920.00} ) for me ( I have no idea why ). This was my property tax due XX/XX/XXXX. I had to reimburse them, as I had not paid my property tax yet at that point. I was assured all was good. they made the payment in error, and I was able to pay them instead of the town. 

Around XX/XX/XXXX my mortgage was sold to Freedom Mortgage. I made several payments but noticed there was an escrow balance on the account. I made several calls to them and supplied them with my bank statement showing that I had reimbursed Home Point Financial the {$920.00}, I was then told all would be fixed and the escrow would be removed. However, the escrow balance remained on the account. They said the {$920.00} was applied to my principal on the XXXX XXXX, when it should have been applied to the escrow balance. This apparently was done in error. 

On XX/XX/XXXX I called them again to remove the escrow and was told it would be fixed, and I made a payment over the phone of {$1200.00}. All was good I was assured. 

Freedom Mortgage ( for some reason ) then decided to not apply the {$1200.00} and then charged me a late fee. 

I made a payment on XXXX on XXXX on the website ( that is the only payment it would accept ). 

I called them today ( XX/XX/XXXX ) and spoke to an escalation team member named XXXX. 
She said they can't fix it because they already filed some documentation with the IRS for XXXX. I stated this was not my problem but they claim they didn't want to get in trouble with the IRS or redo any paper work. They claim I did not pay a portion of the escrow balance when I paid the {$1200.00} on XX/XX/XXXX and therefore it was not the full payment. I also just found out that they reported my XXXX payment as late to the credit bureaus. They waited until XXXX to apply my {$1200.00} phone payment from XXXX. 

I have made all my payments on this mortgage on time. This escrow mix-up is not my fault. Freedom Mortage is not fixing the issue and they are pushing it on me. This is bad business practice. 
.

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