BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have previously submitted a complaint and would like an additional review and response. 
CFPB Complaint ID : XXXX As was stated in the response to the complaint ( attachment XXXX ), I did apply for the COVID forbearance, and it was completed on XX/XX/2021. As a result of the forbearance and unprecedented financial burden that my family underwent during XXXX, {$29000.00} was added to my balance at the end of the forbearance period. 

In the response letter ( attachment XXXX ) it states that this was due to past due interest and escrow. However, it was not clarified as to why the XXXX XXXX XXXX XXXX did not notify me at any time that this would be the case. During my forbearance period, I spoke to the XXXX XXXX Department numerous times, and they assured me that I would not be charged during my forbearance and that at the end of my forbearance period, the balance would be adjusted. I was informed that the length of my loan would increase, not that my balance would increase. Since all calls are recorded, can you please review each of my phone calls with your representatives during my forbearance period in order to ascertain that what I am stating is true? In addition, letters such as attachment XXXX, only reassured me that I would not incur any additional charges. Those letters should have clearly stated that I would incur interest and escrow charges at the end of my forbearance period. 

Also, in the response letter ( attachment XXXX ) it states, " since you accepted the modified loan terms to bring your account current ... '' I would like to clarify that I was required to accept the modified loan terms in order to bring my account current. That was the only option provided to me. I did not want to accept it, but I also received a letter ( attachment XXXX ) that my modification agreement will prevent " the referral of your loan to foreclosure. '' I felt compelled to agree with the loan terms that I did not agree with, in order to avoid further delinquency and possible foreclosure. 

As a result of the misinformation and lack of information provided to me by Flagstar and the XXXX XXXX XXXX XXXX, I incurred a balance that is almost {$30000.00} higher than my original loan.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: NC
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 XXXX : XXXX XXXX # XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, has violated my rights. 

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

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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 2018-08-29
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:
On XX/XX/XXXX Coinbase sent me an email stating that it would be closing my account for violating its terms of service. It did not say what part of the TOS I had violated. Coinbase then froze my account, and allowed me to withdraw my cryptocurrency assets only by using a tool on the Coinbase website. However, I was unable to withdraw {$7700.00} in US currency using the online tool. The only option that the online tool gave me for withdrawing the funds was a XXXX XXXX account that I had linked to Coinbase some months ago. By XXXX, however, that XXXX account had been closed for several months. Because my Coinbase account was frozen, I was not able to use the Coinbase website to add an new bank account to receive the frozen funds. 

I pointed out this problem to Coinbase on XX/XX/XXXX, the same day that I received the account closure notice. In a phone call and email I asked Coinbase to simply return the funds to the same account from which I had wired them into Coinbase -- a XXXX XXXX XXXX XXXX XXXX account in my name. On XX/XX/XXXX I received an email reply from Coinbase customer service stating : " Ive just checked your account and can confirm that your request has been properly escalated. Once your request is cleared, well be sure to follow up. '' By XX/XX/XXXX I still had not received my funds, nor had Coinbase provided any additional explanation for the delay. I again wrote to customer service asking for an update and explanation, but to date ( XX/XX/XXXX ) have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Morgan & Associates, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original creditor was XXXX ( this is to amend an earlier report that inaccurately listed the original creditor ). Due to financial hardship ( loss of jobs ) in approximately XXXX, I could not continue the payment on the account. It was sent to Morgan and Associates in XXXX  XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with Morgan & Associates that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. I didn't hear from them for quite a while until I became aware of a default judgment against me in XXXX. They had served the renter of our property, and I never received the summons. Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-02-11
Company: AmeriHome Mortgage Company, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with AmeriHome XX/XX/XXXX, at that time {$1500.00} was remaining in my escrow account at was to be sent to me via check. I called prior to payoff and after to confirm this information as well as reviewed on line. On XX/XX/XXXX AmeriHome mortgage disbursed {$180.00} in mortgage insurance AFTER my account was already paid in full. These funds should not have been disbursed to mortgage insurance they were to be sent to me as the account was PIF, no additional Mortgage insurance should have been paid. I received a check for {$1300.00} in escrow funds, it should have been the full {$1500.00}. I have called no less than 8 times in the past 2 months to try to resolve this matter each time being told different information, including they reached out to Ins to get the funds back, including that the check has already been sent to me, and now XX/XX/XXXX I was told none of these had been done, and that I would need to call insurance and request a refund. That is incorrect, first I have no idea who the mortgage insurance is through, secondly AmeriHome made the error!!! They disbursed funds over a week AFTER my account was PIF. I refinanced with another company, they have already paid any necessary Mortgage Ins. AmeriHome should have sent me a check for {$180.00} immediately upon notice of their mistake, and then worked to recoup the funds THEY SENT IN ERROR from the Mortgage company. It has now been 2 months that they esentially stole {$180.00} from me, so I expect that returned ASAP with interest. I have requested a manger multiple times, transfer around, hung up on, and told tons of conflicting info. I also tried to contact them via there website on the contact us now form and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am experiencing XXXX XXXX due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.

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 2018-08-28
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold an item on XXXX on XX/XX/XXXX, for {$52.00} and {$7.00} shipping, totaling {$59.00}. The transaction was processed through Paypal, and the funds were supposed to be released to me by Paypal on XX/XX/XXXX. The tracking system confirmed an XX/XX/XXXX delivery and the buyer left positive feedback on the transaction. On XX/XX/XXXX, the funds were not released as promised, so I first contacted XXXX and was told [ by XXXX ] that it was a Paypal issue, since the transaction had gone through Paypal. The reference number for my involvement with XXXX on this issue is XXXX, and it will confirm what I've stated. I then contacted Paypal, and was told that it was an XXXX issue, and even when I pointed out that XXXX was no longer involved in the sale, the rep still insisted that it was an XXXX issue. ( The transaction details reveal that it is not an XXXX issue, and that Paypal is responsible ). To date, I have invested XXXX minutes into telephone conversation and 'hold time ' to resolve this matter. As of right now, I do not have my item ( because I sold it ), and I do not have my {$59.00} and Paypal still insists that it is not their issue, when I have proven to them, through the account/transaction details, that is in fact their issue and not XXXX 's. At this point, all I want is my money - I have even stopped selling on XXXX as a precautionary method to prevent this from happening again. The latest correspondence I had with PayPal was on Monday XX/XX/XXXX at at XXXX XXXX Eastern Time, and was told [ once again ] that there is nothing more that they can do for me - the Paypal reference number is XXXX, which will confirm the details of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting 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, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer report agency can not furnish an account without my written instruction under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
GoodLeap : Buy Now Pay Later loan initiated via a HVAC vendor installation in XXXX with the understanding it was 12 months same as cash, then if unpaid automatically rolls into a 10 year loan with a 11.49 % fixed APR against the full amount of $ XXXX outstanding. 

Payment instructions sent by GoodLeap in writing [ welcome letter & email follow up ] only offer ACH but WITHOUT any Regulation " E '' required disclosure information to protect against : 1 ) Current balance due.

2 ) Current monthly payment due.

3 ) Unauthorized or incorrect withdrawals.

4 ) Dispute process.

5 ) Payment by Credit Card option ( relates directly to # 4 & # 5 above ).

Multiple phone calls & emails sent requesting a company response to these items have exposed an organization which repeatedly transfers/drops calls and/or has been unable to resolve the open requests above. 

On XX/XX/2022 via phone, I've requested via the customer service dept. [ XXXX ] the CEO and/or his designated proxy to provide a written response to my concerns by no later than this XXXX, XX/XX/2022 as the initial payment due is the following day. 

Please note, ability & willingness to pay the loan is NOT the issue. 
I simply desire to be able to trust the ACH only without any XXXX " XXXX '' disclosure option for online payment [ GoodLeap outsourced it to a 3rd party provider ] is not rife for fraud and/or the planned early retirement of the loan in full will be recorded promptly with the three major credit bureaus. 

Very similar cases have also been documented by many other recent loan customers of GoodLeap across various online complaint forums as XXXX. 

How can a firm which recently securitized $ XXXX in loans be so inadequate in disclosing the most basic loan information that is a long held standard of reasonable lending practices?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  Account # XXXX, DEPT OF EDUCATION Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # XXXX has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: TD BANK US HOLDING COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
TD Bank case number XXXX I have been trying for 6 years to try to get my money back from TD bank, who have frozen the funds and I am awaiting for my money to be refunded. It all started when I was looking for a holiday resort to stay in Hawaii and this " pop Up '' came up to purchase it threw them by paying {$1800.00} US by bank Transfer from my account in XXXX to TD Bank, I sent some emails and the fraudster responded so I thought it was legitimate. Then on XXXX XXXX th XX/XX/XXXX I purchased the supposed holiday, and the next day I realized it was Fraud. I called my XXXX XXXX  to put a stop and they said they will try but because it was more than one day it may not help, and they also sent emails to TD Bank and still no refund. I spoke to a XXXX XXXX at TD bank Investigations Team for approx. 2 years to resolve and no refund. He no longer works there and so I have been trying for years to have my money refunded and the Bank keeps changing the goal posts. I actually came to XXXX XXXX TD Bank and spoke to Mr XXXX XXXX around XX/XX/XXXX and he also tried to help but to no avail, because the Investigations Team, Now, no longer speak to people, it has to be done by email. I have tried for years to get the refund and surely the fact that the funds are still in Limbo in TD Bank, and I am the only person making a claim for my own money clearly states it is mine. The bank also asked me to get the Police at XXXX XXXX to investigate, and the Officer I spoke to said, because the money has Not left the bank or transferred to anyone, then the transaction is not completed. So I ask that common sense prevail and to please return the money to the Sender, which is myself as per the Bank Transfer Documents. I can be contacted by email on XXXX or Mobile/cell phone. 
Please Help, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Honda finance is mistakenly reporting me late. I have always made my payments through automatic withdrawl. For some reason, my XX/XX/2022 payment was not taken out of my bank account even though I had enough funds to cover the payment. Pleasing see attached document as proof. Please remove all late payments from XXXX  - current off my credit.

Company response to consumer: Closed with explanation