BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX, Experian, and XXXX  every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX retired veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX accounts with arrearages totaling over a freaking {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 XXXX XXXX accounts, 2 XXXX XXXX, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C

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 2021-09-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY XXXX REPORT AND XXXX THAT HASN'T BEEN REMOVED. XXXX ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Coinbase took away {$6500.00} from my bank account on XX/XX/XXXX and told the fund will be available by XX/XX/XXXX in their platform. However, I just received a notice that they are closing my account due to unexplained reason and asking me to confirm the closing of account. In their notice, I do not have any pending deposit while Coinbase clearly removed {$6500.00} from my bank account. I need my money back asap before they force me to close my account. I contacted them through emails several times as well as phone but they do not respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: AMERICAN EXPRESS COMPANY
State: GA
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: Problem with personal statement of dispute

Complaint:
Dear CFPB, The actions taken on my account by American Express, were not, and are not, in accordance with their rules and regulations, and are in clear violation of the Equal Credit Opportunity Act. These last minute alleged returned payments of XX/XX/XXXX and XX/XX/XXXX, which they claimed to have relied upon are nothing more than falsely represented online payment information, which appeared nowhere in my account information, prior to my complaint to the Consumer Financial Protection Bureau. 

It was never presented to me by any Customer Service personnel I spoke with, nor was it ever communicated to me, by anyone in correspondence with me during the numerous inquiries I made over this issue. 

American Express has knowingly submitted these allegations, as part of an ongoing effort to further injure me, and deprive me of equality and fairness, in my efforts to establish and maintain good credit. 

They are currently attempting to conceal their use of an invalid evaluation process and scoring system, which they knowingly used against me on XX/XX/XXXX, to unlawfully take adverse actions against me. 

When they committed these acts on XX/XX/XXXX, they knew at that time, that they were making false claims, which were discriminatory in nature, and were on their face, inconsistent, contrary, and in direct conflict with XXXX law, and their previous XXXX thru XX/XX/XXXX evaluation of my creditworthiness. 

In the month of XXXX of XXXX, XXXX XXXX months after obtaining credit card in XXXX ) I applied for and received a credit limit increase on this same card. I also at that same time, applied for and received a XXXX XXXX XXXX credit card from American Express. My total combined credit in that month alone, went from XXXX to XXXX At no point in time during, or after, the evaluation of my credit worthiness, to receive these significant credit limit increases, was this alleged recent information from XX/XX/XXXX, ever mentioned, referred to, relied on, used, or considered by American Express at that time. This is because, it did not exist in my account information at that time, nor prior. 

In the nearly 2 years that I have had this account, I have missed no payments, have had no payments returned whatsoever, nor have I ever been late in making a payment. 

Individuals within American Express have maliciously taken these adverse actions against me, for the sole purpose of denying me the equal right to fair and unbiased use of their credit card financial products. I am therefore requesting that actions be taken on my behalf, and others to end these discriminatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Prosper Marketplace, Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a loan from a company called prosper. I got approved on line for the amount of {$10000.00} they charge me {$500.00} fee for the application fee they send the money in 5 days. I had to make a payment of {$430.00} for the next 36 months. I realize they are charging me over 30 % to 35 % in interest so I sign up with debt consolidation name XXXX XXXX XXXX XXXX hoping they can negotiate on my behalf prosper refuse to bring my rate down and they said they dont work with debt consolidation company and I have no choice but to pay the % 35 rate. They have also ruin my credit report and put on delinquent account. They never send a monthly statement I didnt know how much interest they were charging I was under impression that it was 11.99 percent. I am trying to find out what is the maximum interest they can charge me. I know the state of Maryland is 29.99 % the company address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My account number with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been having this Problem for XXXX XXXXXXXX years.My mother passed away XXXX XXXXXXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are convicted felon or have drug problem issues.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and criminal record keeping by XXXX  State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state XXXX XXXXThe Mortgage company XXXX XXXX sold the loan over to Rush More without knowing that at this point the whole mortgage was fraudulent.Rushmore gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by Rushmore loan management.This should have let Rushmore loan management know that had bought a fraudulent loan with a deceased person name on a mortgage statement.Rushmore loan management threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died in this home and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a credit card payment on XX/XX/XXXX. The payment is due on the XXXX, and I made a payment for the full balance on XXXX XXXX. Then the Capital One credit card charged me a late fee, even though the payment showed posted to the account on the XXXX. I called them and they said it was a processing error. XXXX, at Capital One, said it was already correct, but it was not. Capital one charged me an invalid late fee and lied about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.

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 2019-07-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My husband is XXXX military and we got married XX/XX/XXXX. In accordance to the Military Lending Act my account is applicable for the cap rate of 6 %. On XX/XX/XXXX, I called to inquire on getting the 6 % cap and was told its only given to new applicants. The name is run through the DOD website at that time of application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX, I went to do some banking at CHASE Bank. I went in without a mask because I am mask exempt due to XXXX XXXX The Manager threatened to call the cops on me for not wearing the face covering and said he hoped to see me get arrested. This Manager then threatened to close my accounts down. I called XXXX to file a complaint and was connected with the Manager of the Manager I was filing a complaint against and was told that I must wear a mask in the bank even if I was exempt from doing so and that he was not going to reprimand the employee who threatened me. 
Weeks later, I discovered that both my checking and savings accounts were frozen. I was not allowed access to either of my accounts. Upon calling someone down at this bank, I was told I was trespassed from the property although I had never been told so nor contacted about such either. I was then told even though I was trespassed, I could still come through the drive-thru to withdraw a {$1000.00} a day. I asked to have them release my funds so this whole ordeal could be over and done with and was told no. Then was told I could take out half of my funds but still have to leave the remaining half in the accounts. DOES ANY OF THIS MAKE SENSE!? Then they informed me that as of XX/XX/XXXX, any and all remaining balances would be made into a cashiers ' check and all of my funds would be sent to me via the mail. That is a savings account with {$19000.00} in it and a checking account with {$55000.00} in it. It is now XX/XX/XXXX and no such check has arrived in my mail box. Also, I was never informed about my accounts being frozen or closed via mail, email, or phone call. I never received a letter indicating my accounts were going to be terminated. 
This is a serious offense on their part including many different factors. My money is federally insured and secured and I need answers immediately. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: Big Picture Loans, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Dear Sir/Madam, I was approved for a loan from big picture loan of {$400.00} on XX/XX/XXXX with interest rate of XXXX and I have agreed to pay the amount automatically from my checking account. However, I did not know the interest rate and past due fees will keep following me until this day. I have paid over {$1000.00} and I have called a couple of times to arrange payment plans but each time I face difficulty paying the amount as you can see it in my attached documents. Every time there is a reminder and late fees. I 've paid the loan back with a double amount and now I am searching for a help to stop paying the remaining amount which is {$620.00}. In addition, I have checked my payment information online on XX/XX/XXXX and as per the attachment, no information revealed, everything is unavailable and I am afraid that they will keep charging me even if I paid off the amount which ca n't be happened now or even later. I am requesting to review the legal agreements to see the consequences if not paying back and I could n't find a better way than contacting you. I have a full-time job and I am trying so hard to pay my bills, but this loan is affecting my financial status terribly. Therefore, I can not pay anymore and I want the electronic detection from my account to stop. 


Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: AmeriFirst Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I are in the process of buying our first house. We realized the house we were interested in needed some work, so we started looking at 203k loans. We were preapproved through XXXX XXXX and had a locked in interest rate of 3.5 % prior to looking for 203K loans. Ultimately, we started working with AmeriFirst Financial Corp dba AmeriFirst Home Mortgage onXX/XX/19. We were preapproved that day for {$320000.00} and began looking for contractors to perform the renovations. On XX/XX/19 we met with the loan agent in person to complete the loan application. During our meeting, a estimated cash to close worksheet was provided stating that we would owe {$21000.00} at close. We reluctantly signed due to the house we wanted to purchase being a relocation and the seller was getting nervous we could not secure funding for the 203k loan. On XX/XX/19, while I reviewed the AmeriFirst form, I noticed a line item for Loan Discount Points in the value of {$8700.00}. Upon researching the topic, I learned they are not a necessary item, and informed out loan agent that we did not wish to utilize them. Of note, the interest rate placed on the 203k loan sheet was 6.125 %. We were assured that upon completion of the renovations to our home, we could transition to a traditional loan and use the equity built into the house as our downpayment. When confronted about the loan points, we were told they were necessary due to our credit scores and they could not be removed. Yet in 3 months when the renovations were completed, we were supposed to transition to traditional loan and the loan points we purchased would be void. It is clear that this company is pressuring first time home buyers to spend more money than necessary and do not care about helping rebuild credit, as the company touts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: DriveTime
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
You Guys Are Showing Up On My Credit Report As A Repossession But Law Once You Sell The Car By Law You Have To Remove Repossess From Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The process to request removal of PMI is purposely slow. I am now waiting to be notified of the initial appraisal date and this is a process that should take a total of 2 weeks. PHH sent the application to request XXXX appraisal 2 weeks after the initial request. Once the fee was sent to their PMI removal department, they cashed the check for the {$150.00} fee and sent nothing to me notifying an appraisal date or even that the request and fee was received. No email nor electronic notification was in my online account and when I called, the representative could tell me nothing about the process. I believe they are purposely stalling in order to keep this " fee '' and continue to bill me for something that should not have taken more than a month to remove. It's now a month later and I am still paying PMI, I have submitted an application/fee and I have no idea when or if the XXXX appraisal will happen to determine if they will remove PMI. I am sure I am eligible for PMI removal since I have new flooring throughout and I have a full kitchen remodel since I obtained my mortgage a little over 2 years ago. A representative ( XXXX XXXX XXXX took all this information and said that he did not have an ETA on a resolution and he did not know when he would receive a response from the PMI department. With the holidays coming up, I doubt I will see movement on this until after the new year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX

Company response to consumer: Closed with explanation