BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I Sold my bitcoin on XX/XX/XXXX and I still have not received my money. ( {$370.00} ). The website stated my sale was completed. So I sent several emails to support through their website no response. I finally found their number and I called on XX/XX/XXXX and they gave me a case number and told me it may take 3 to 5 days for someone to contact me. Today, XX/XX/XXXX I still don't have my money. I called customer service again since I did not receive a call back from my call last week. The customer representative said she could see that my ticket is still in the queue but she gave me another case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied credit but under 12 CFR 1002 regulation B of Equal Credit Opportunity Act.I thought I cant be discriminate against under the following reasons that are described in that act. But I feel as if I was discriminated against. Under this law Im not supposed to be denied credit if a credit transaction took place. So now I am discouraged about applying for anything else. So I dont feel like I was protected during this credit transaction that took place. Also they used Consumer Reporting Bureau I have no knowledge of this Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Rocket Mortgage, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I checked my credit scores on XXXX XXXX and was excited because my XXXX  and XXXX  scores had risen by 30+ points. My husband and I had been working to improve our scores so we could get our mortgage refinanced through a traditional bank instead of our escrow services. Quicken loans was contacted about this a few years previously and told us that we needed to have a FICO score of XXXX. So, we kind of gave up. Well, not watching our credit scores, they rose more. Again we tried to refinance through Quicken Loans and was told this time that we had to have a FICO score of at least XXXX. So, we paid off a whole bunch of debt and worked hard to get over that XXXX mark and finally did on XX/XX/2020. I called Quicken loans to see if we could finally refinance. We were surprised to find out that they went off of our highest scores. It was strange that my XXXX  score, checked that morning was below XXXX. XXXX  and XXXX  reported my scores well above XXXX. But Quicken Loans informed us that my XXXX  score was the highest at XXXX. How can there be this much of a discrepancy when I look at my credit report and when they look at my credit report? And why do I have to pay a monthly fee to any credit bureau to raise a number that I am judged by? Looking at my three free credit reports once a year doesn't even include my credit score. So how can someone just pull up my credit score and I, whom this number belongs to, not have that privilege? And don't you think if I had the money to pay these companies, my credit score would be higher so that I wouldn't have to pay to get this number? This credit bureau system that's in place is so flawed, ridiculous, and so extremely frustrating. Telling me I'm using 100 % of my credit and lenders see me as a poor choice to borrow money. My debt to income ratio is 8 % and I should open a credit card account to raise this magic number. But don't use your credit card over 30 % of the credit line or this will lower your number. I guess what I'm trying to convey is, why are we judged by a number? Everyone makes mistakes in their life. How can Quicken Loans tell me to do all of this stuff to raise my credit score and when I do, they don't hold up their end of the deal with no consequences for them, but another inquiry goes on my report? And their website that says you are qualified to refinance or buy a home but when they call you the second your phone number is entered, you are not qualified because of some new excuse. This is false advertising, bait and switch, and very deceptive. It's pitiful how businesses, financial institutions, landlords, and even potential employers can base their decisions on a number rather than looking at someone and asking them questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been sending advanced principal payments to my Carrington mortgage services LLC, which recently began servicing my mortgage. Carrington refuses to apply the funds to my principal balance in the period they were received.

I have discussed the curtailment of my payments with a Carrington CSR that informs me that the payments will not be applied to my account until the curtailment balance is equal to the full monthly payment amount. I explained that this policy results in the paying of interest on a principal balance that is overstated by the amount to the advanced principal payments. Paying interest on monies that have already been paid. 

I believe this violates my consumer rights and several mortgage regulations. Paying interest on the overstated balance amounts to an advanced principal payment penalty. Also, raises other questions such as the interest dollars charged are greater that is spelled out in the loan agreement is the TIL no longer accurate? What if a client stops making the advance principal payments without reaching the amount required by Carrington to actually apply the payment to my principal balance? Do the funds just sit in Carrington 's account? Am I earning interest on my money in curtailment? Is Carrington?

Carrington Mortgage must be compelled to change its procedure to comply with applicable laws and regulations. Carrington mortgage should apply all payments to a customer 's account in the period that it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BARCLAYS BANK DELAWARE
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 dad has the same name as me ever since he left when i was a kid he has been using my social security number to open and try to open numerous accounts under my name cause hard inquiries on my credit report which effected my credit score harshly its making it hard for me to get an apartment or even try to open a account to build my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2019-09-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2021 When I log into experian to unfreeze my security to make a purchase I get bombarded with purchase options. The link to unfreeze has been removed. I contacted chat support just 5 minutes ago and was told to go to experian.com/freeze. It redirects me after logon to the same pages that keep throwing their sales tactics in my face. They should not be permitted to block my ability to protect my security. Even their staff can not help me find the path to unfreeze. I can purchase credit freeze and that will give me the option. I can see that I am supposed to have the free ability to unfreeze my security, but there is no link to do so. I need to purchase contact lenses and can not do it because this fraudulent company only cares about stealing money through worthless purchases, which I am not going to do. I want the ability to control my security. They have no right to take that control from me. 


| Chat Support Remember : To protect the private nature of your personal information, please do not share social security numbers, credit card numbers, etc. via chat. 

Please wait while we transfer your chat to the next available agent.XXXX  is your new agent for the chat session. 
XXXX XXXX, who do I have the pleasure of chatting with today? 

When I log into experien I should be able to freeze or unfreeze my credit. You have hidden or removed that option under an bunch of XXXX sales. 
XXXX XXXX XXXX Thank you, XXXX. I am sorry but what did you purchase, please? 
XXXX XXXX  XXXX XXXX on your site. I don't want anything this ripoff company has to offer. 
XXXX XXXX  I want to unfreeze my credit and that option does not seem to be available unless I purchase something and that is illegal. 
XXXX XXXX XXXX I do not see a purchase that you have made on our website and I understand how you feel but like all companies, we are offering free services as well as paid, it is always your choice. 
XXXX XXXX XXXX where is the credit unlock?????? 
XXXX XXXX  XXXX Security Freeze is for free members and CreditLock is for paid members, you have a Security Freeze. I understand you would like to remove your Security Freeze. In order to complete this request, you will need to go online to www.experian.com/freeze. For security reasons, I am unable to complete this request via chat. You will also need to contact XXXX and XXXX, if you have set it up with them. They can be reached at : XXXX XXXX XXXX XXXX Please copy and paste the link above into a new browser or TAB and select Remove or Lift a Security Freeze. It is Free. 

XXXX XXXX Me I am logged into experian, but the only options I have are to purchase 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 2019-05-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Letters Sent : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 Amounts Include : {$15000.00} Actions That Were Taken : I have contacted Equifax on several ( 4 letters ) attempts using certified mailing to ensure they have received my letters. The topic involved disputing the information that they have listed on my credit report without properly verifying the accounted information. I asked them to provide documentation, and if not properly verified, they needed to remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Phh Mortgage Company has violated my rights as a successor, according to law sb1150, I have contacted there company on various occasions in regards to the death of my grandmother XXXX XXXX XXXX she died on XX/XX/XXXX loan # XXXX I have sent to them numerous documentation such as my identification death certificates affidavits and court documents stating when probate will be done which on XXXX. I tried to send payment to the company and they returned it because payments were not made prior to my move in date. I have tried to speak to the company and make a modification on the loan or see if I am eligible for forebearance due to covid 19 I was still told I could not get any information and that since I not listed on the loan there was nothing they could assist me and I could not get any information to stop default. Now they have put house in foreclosure and have a auction set in XX/XX/XXXX and I feel that I have not been given the chance or information to best address any defaulted loan because I could not get information from there company. I have called emailed and wrote letters and now it has still not been addressed, I would like to be able to save my grandmothers home and get the proper information to modify and stop foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I returned an XXXX XXXX lease at the beginning of 2019 and had settled out any debts owed under that lease. Since then the company XXXX XXXX has folded and sold the debt/accounts to XXXX XXXX XXXX XXXX which XXXX believe owns the collection service RPM http : //www.receivablesperformance.com. 
I had not heard anything about any amount owed over 2 years and was shocked to see a collections notice in my mailbox and started receiving harassing phone calls. When I spoke to a representative they claimed they had proof I owed this very suspicious amount. They are essentially trying to re-write the contract in their favor in order to pillage innocent people of their money. I have sent copies of my contract and info to them and they have not responded to those documents. They just sent me a list of charges that make no sense.

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 2019-09-09
Company: SUNTRUST BANKS, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I would like {$1600.00} return back to me.

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 2021-11-06
Company: Experian Information Solutions 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:
I received the following reply for CFPB Complaint # XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. Experians reply didnt make sense and was in error for that reply. Thus, I am resending the following complaint again -- -- -- - Experian is political like Washington and believes the American public isnt smart enough to know all of the attorney games. Experian is scared and following the guidelines of a typical game playing attorney who is out to lunch like the other attorneys running Washington into the ground. I couldnt work for Experian because I have much pride and self-respect. On Complaint # XXXX, I complained -- Experian gave my credit report to XXXX  XXXX XXXX XXXX on XX/XX/2017 without my permissible permission. It was used for a fraudulent loan but that is not the issue today. The issue is I did not give permissible permission for Experian to send out my personal information. Experian has repeatedly over the past 4+ years forwarded the complaint to XXXX XXXX XXXX XXXX who simply denies. However, Experian has accountability just like XXXX XXXX XXXX XXXX. I requested Experian research the permissible permission used by their client, XXXX XXXX XXXX XXXX. Send me what XXXX XXXX used to access my credit report from Experian because they didn't have my permissible permission and send this to me. This complaint is directed solely to Experian because they are holder of my information and released my information without my permission. Again, Experian needs to send explanation of why my information was sent without my permission. Experian replied - We've sent your complaint to the company, and we will let you know when they respond. And then replied - This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Same rhetoric for the last 4 years to play games. This is totally unacceptable and I will continue to repeat myself. Experian has the responsibility to release my information only with my permission. Where is the permissible permission? I have yet to receive.

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 2017-09-13
Company: EQUIFAX, INC.
State: UT
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:
I was affected in the XXXX 2017 Equifax data breach. My information about my entire adult credit history with stolen. It is ridiculous in this day and age that these attacks are allowed to be perpetrated against an organisation so large in the United States. It is absolutely unacceptable that an organization basically run and condoned by the federal government has allowed such an attack to happen against American citizens. 

Americans do not have a choice in this matter, there is no third-party service that we can go through for reporting our credit and storing our information. This has caused basically the entire adult population of the United States to be at risk for identity theft, and has caused undue stress trying to jump through hoops to prevent issues in the future with stolen identities. 

On top of this issue already being severe, the three credit reporting agencies are trying to charge people to place a credit freeze and protect their information that they allowed to be breached. 

This situation is unacceptable and the United States government needs to step in and protect all of our identities and information in this day and age of Technology. The companies responsible need to be punished severely, and the people affected need to be reimbursed appropriately for their time, effort, and damages. 

I am in the process of freezing my credit reports with all three bureaus, trying to place an extended fraud alert on my credit, and also trying to file a police report for the identity theft. Hopefully if these are successful, I will not have to worry any further. But if not I expect to be reimbursed by either the company or the government for all damages I have incurred personally, financially, and otherwise. I expect to not be responsible for any fraudulent activity using my credit, and be rewarded damages for my financial losses and personal losses such as time, expenses Etc ... 

This is absolutely not okay and future legislation, rules, and regulations need to be set in place along with very stringent security standards for our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Colony Brands, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a 7 inch XXXX tablet via XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IA XXXX. 
I called the Company and spoke to XXXX, then XXXX. They couldn't connect me to their Fraud Department, but said it would take about 2 weeks for me to receive a return mailing fraud package from them with a form for me to complete. 
In checking on line, this Company is listed as sending packages to victims ; items they did not order and haunting them for payment. I am returning this item but I am very concerned about my credit and what information they have of mine.

Company response to consumer: Closed with explanation