BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FIRST AND FOREMOST THIS IS NOT A DUPLICATE! On XX/XX/19 I submitted a complaint to you regarding multiple issues I am having with Selene Finance company. I also sent a second one on XX/XX/19 that you saw as a duplicate IT WAS NOT! The second one happened to be a case where they had increased my monthly payment by more than {$500.00} per month. My taxes did not go up nor my insurance Here is a list of unresolved issues Unapplied payments Misapplied payments Overcharging fees Missing statements Why am I being blocked from writing to them through their email system? Yes, I have been writing but only because I have not received the answers I requested! 

Why after making 5 payments the very next day they sent a letter to accelerate? 

There are two different escrow reports coming from two different people that do not match at all Massive increases in my monthly payments I have requested documents for the last 5 months that were never received I have requested information on who owns my loan with the contact information and the account number with the company not the account number with XXXX. 

There is much to be concerned with here, hopefully, we can real answers that make sense. The answers I received so far are extremely lacking in with regard to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Financial Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple calls from these debt collectors from an alleged debt, i demand a copy of my consumer file and consumer report. in pursuant to 15 usc 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 

the times in which they call me are inconvenient and they have caused mental distress to me and it interrupts the business i am operating. In pursuant to 15 usc 1692c ( c ) i am ceast and desisting all ilegal activity and means of communication and that also includes that on my consumer report, my consumer report is being used as a means of communication to attempt to COLLECT this alleged debt. i demand a deletion from my consumer report and for them to provide the tax forms thy must file with a charged off account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Hello, I have had an auto loan with XXXX XXXX ( it is now paid off ). In XX/XX/XXXX I submitted a payment for the XXXX & XXXX loan amounts that were due, however, due to COVID and the XXXX holidays, I did not see the check being delivered or cashed by the Bank. When I called to check on status of the check being received on XX/XX/XXXX, I was informed that the payment was not yet received and it was reported as 30-days delinquent to TransUnion. Immediately on the phone I processed a payment to bring the balance up to date, and two-days later the check was received and cashed by the Bank. 
XXXX XXXX  informed me that they were experiencing mail delivery delays due to the Holiday season and the effects of COVID 19. I asked the bank to remove the delinquent reporting since it negatively affected my credit score, and a dispute was initiate ( dispute # XXXX ). In XX/XX/XXXX, I received an alert from TransUnion that the negative mark on my credit report was removed, only to find out few days later that it was re-instated and again resulted in a negative impact to my credit. 

One would think that, especially during the COVID crisis, this Bank would work with its customer favorably, especially when no loan defaults occured and the Bank was 100 % made whole in a timely manner. 

Regards, -XXXX XXXX XXXX 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 2023-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22, at XXXXXXXX XXXX, I tried to access my checking account using a XXXX XXXX  ATM located at XXXX XXXXXXXX XXXX XXXX PA XXXX # XXXX My checking account is with Citizens Bank, but the XXXX XXXX  ATM was close to a restaurant where we had reservations. At first the ATM said " The card monetary limit exceeded please contact your financial institution. '' I tried to withdraw a lower amount but received a similar message that this withdraw could not be completed. Later the next week, when going online to see what my balance was, I noticed a {$400.00} dollar withdraw and several transaction fees. I quickly filed a complaint with Citizens Bank. 

Citizens Bank has refuted the claim that any fraud has occurred. I can not contact them directly, and they have failed to speak directly to me, nor have they asked for copies of the ATM printout. I have contacted the XXXX XXXX branch and per their teller, they have never heard from Citizens Bank regarding the transaction. 

I have made several phones calls ( they can not forward your call to the dispute department ) and have spent a lunch hour in a branch office, trying to recover my lost {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in California and have made my payments to PHH Mortgage Company. If my payment is going to be delayed within the 30 days mark I have always notified them. My niece was making a payment back in I believe in XX/XX/XXXX and out of the blue the representative said we have increased your mortgage payment. Mind you I have a fixed 30 year loan. I was never notified at all about an increase. The only increase I was aware of is when Trump increased it by {$100.00} ( and it should not have been ) and I had a few late fees I am aware of. 

It seems each time I talk to someone the storyline changes. I was told for months that I owe for the late fees and the amount I was owing was like {$150.00}. I feel like some where I am being taken advantage of and I am a senior citizen. 

My original house payment was {$1700.00} ( approximately ) and now I am paying {$2000.00} and something. How? Like I had mentioned the late fee and the {$100.00} increase I should be only paying. I was told this is my new payment due to increase in my property value and like I said they claim it has been since XX/XX/XXXX. I was not informed of such a thing until XX/XX/XXXX when my niece was making the mortgage payment. 

I made my mortgage payment by phone on XX/XX/XXXX and was charged a phone fee {$17.00} and was not informed. My niece was reviewing the payment confirmation and was like it seem like your payment is increasing. I need help because I don't like where this is headed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hey Transunion is reporting fraudulent inquiries and identity was compromised while out of the country. 

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( 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 2023-04-05
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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:
XXXX I opened a auto loan with schools first Federal credit Union and paid that auto loan in XXXX I went outside United States and in XXXX probably after the XXXX data breach for which I have a fraud alert on credit report I was told that a school 's first Federal credit Union credit card has been open in your name with the entire credit limit taken out as cash advance I was very skeptical that after 4 years a fraudulent card opened and how come the entire credit limit was drawn as cash I contacted schools first which conveniently denied and said if you don't make a payment we are going to put 30 day past you on your credit report so in order to save my credit report I started making a payment but on the other hand I started disputing them also schools first played delaying tactics and constantly told me that you need to make a payment finally I decided to quit payment as it was going nowhere I contacted XXXX XXXX XXXX who is the top guy in schools first he investigated and told me that the card was sent to their creating services which probably send it to some Branch we don't know which branch went but we do know that somebody took out cash advance from that card the whole entire limit I told them that see it is very evident that the card was never mailed to my address I never received the card I was not even in the United States the card was sent to nowhere and was used by someone school 's first is still keeping me whole stage against my credit report please help me to remove this card listing from my credit report as it is fraudulent I'm attaching the identity theft report and XXXX XXXX XXXXXXXX XXXX email as an evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EOS Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a phone call from XXXX. A woman on the line who had a XXXX XXXX that was very difficult to understand said she was calling to collect on a debt. She claimed to be from US Asset Management Inc. She asked how I wanted to pay the debt. After repeated attempts to get her to name the company and receiving unintellibible answers I told her that the debt could not be legitimate, I was not going to give her any financial information and she was not to call me again. Though she claimed to be from US Asset Management , INC the caller ID showed XXXX XXXX XXXX  '' I performed a reverse phone number search via XXXX and neither company was associated with the above phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NC
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:
Credit Bureaus are reporting incorrect information

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 2021-02-17
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I was seeking a company to refinance my conventional home loan into a VA loan.. I have run into several issues culminating into me asking for a supervisor 's contact 6 times and not being provided that information. 



Throughout this process, 1. I informed the lender that we were looking to refinance our conventional loan into a VA loan to use our benefit and reduce our monthly mortgage payment. I informed him that the reason we were not refinancing with our current lender is because they said they'd prefer that we waited 6 months before refinancing and we wanted to use our VA loan benefit sooner. The Amerisave lender, XXXX, said it would not be a problem, so we proceeded with the refinance application. 

2. The incorrect borrower was placed first despite me informing the loan officer that I should not be on the VA loan documents. He said, " don't worry, we'll fix it later. '' After that delay, 3. He realized he processed the incorrect loan type despite me explaining upfront that we were going from a conventional loan to a VA loan. He said it wasn't a problem.

4. Once the co
rrect loan with correct borrower was complete, he then realized that the rate I was initially offered was not close to what was currently offered. He said not to worry because we'll float and he'll get us a better rate before locking it in.

5. Now, he tells us the process is delayed to XXXX because we need to wait the 6 months that I originally told him we did not want to wait. 



In order to address these issues, I asked repeatedly for a supervisor 's contact and was ignored. I called the customer service number on the Amerisave website, was connected with an agent who said they would put me in contact with XXXX 's supervisor. He asked if I wanted XXXX to call me back. I said no. XXXX then called me stating that the agent informed him that I was calling asking for his supervisor. He would not provide me the contact, so I requested to cancel the loan with the company. He then said, " ok '' and hung up. I emailed confirmation that I would like to cancel. He then called twice and texted me. I asked via text again for a supervisor contact and he would not provide it. 



It seems the company made whatever promise they needed to get us to apply for the refinance, then the rate and ability to refinance sooner were not delivered after a 2 month process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: The Bureaus, Inc.
State: AZ
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:
Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX  on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against The Bureaus, Inc. and XXXX XXXX XXXX. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( The Bureaus, Inc. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The scam/fraud, I believe, starts with a XXXX hack and linked to Coinbase. The odd thing is how did they get past two-factor authentication ( 2FA ). The other thing not explained by Coinbase is that I noticed the hack on the same day and within hours of the hack and immediately locked my account. It seems also odd that when I sold an asset the process took not hours but certainly more than a day for it to clear the funds. Of course, I do not hear from Coinbase after locking my account and submitting a notice to Coinbase via their online help form and telephone request to lock the account. As of now, I have no access to my account or any meaningful info from Coinbase. 

Date of Hack : XXXX XX/XX/2021 Amount app {$24000.00} of ETH on Coinbase Notice given was XXXX XX/XX/2021 and account locked. 

No response but an email saying they will look at the account that is locked but no word from Coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$160.00} ( Original XXXX : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-02-24
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two issues with Arvest Mortgage 1. They are slow-walking my escrow refund. The My original request was made in XXXX. They have requested forms to be signed and payments to be made. They claim to lose the forms and the checks. They are holding {$10000.00} of my money. I have asked repeatedly by phone, email, and letter. 
2. In early XXXX they promised to pay my property taxes in XX/XX/XXXX. Instead they paid them in XXXX, which cost my {$840.00} in extra federal income tax.

Company response to consumer: Closed with explanation