BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BORROWER RECEIVED ESCROW ANALYSIS WHICH GAVE BORROWER 2 OPTIONS /BORROWER CHOSE OPTION BE AND SENT IN ELECTRONIC PAYMENT THAT WAS RECEIVED BY PENNY MAC OF XXXX BELOW IS THE ACTUAL POSTING FROM PENNY MAC WEBSITE XX/XX/2019 Payment {$620.00} {$0.00} {$0.00} {$1600.00} {$240000.00} THE BORROWER BY CHOOSING OPTION B WAS INFORMED THAT THE XXXX PAYMENT WOULD INCREASE TO XXXX EST WE NOTIFIED PENNY MAC THAT PAYMENT WOULD BE FORTHCOMING AND EVEN RECEIVED AND EMAIL BACK CONFIRMING PAYMENT RECEIVED.NOW PENNYMAC WANTS TO INCREASE THE PAYMENT IN VIOLATION TO XXXX!!!! THIS IS NOT CORRECT AND DEMAND IS MADE .NOT ONLY DID PENNYMAC TAKE THE ESCROW SHORTGAGE MONEY THEY ARE TRYING TO INCREASE PAYMENT TO XXXX WHICH IS ONLINE WITH OPTION A WHICH BORROWER CLEARLY DID NOT TAKE. PAYMENT SHOULD BE XXXX!! 

also the second complaint is that we prefer a paperstatement now their institing a fee if you male apyment between the XXXX and XXXX of every month if you pay online if ypour not enrolled in paperless billing.we were told by XXXX XXXX XXXX the loan originator that there will never be a fee for papestatement sand or any type of fee or penalty there of. borrowers dont have ready access to a computer, to add insult to injury penny mac has rhe gaul to do this and increase are payment unlawfully.the knickel and diming of americas middle/working class continues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Radius has repeatedly posted items to my credit report although my insurance has paid the debt according to the claims of benefits that I receive and keep copies of however they immediately post derogatory collection notices on my credit reports although this is medical debt and by law should not have a negative affect 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 explanation
Consumer complaint received 2017-09-06
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$10000.00} to Coinbase from my XXXX XXXX XXXX XXXX Account for XXXX XXXX XXXX, XXXX. Federal Wire Reference #  XXXX They relayed the " name did not match my account '' - my name is XXXX XXXX. 

Ok, that 's understandable. They said they 're wiring the $ back to my account on XX/XX/XXXX. It 's now XX/XX/XXXX & I have yet to see it. Wire transfers are instant, there is no excuse.
To add insult to injury, I wired another {$10000.00} to from my personal account to them last night & my bank confirmed they received. They have yet to receive. It is XX/XX/XXXX.
Fed Wire Reference # XXXX They advertise it as being " instant '' funding. What a joke. So disappointed, where is my XXXX COINBASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CREDICO. INC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly told the collection bureau multiple time that I dont make enough money to pay off the debt or get garnished. That lady calls me two times a day and even calls me at my job which I might lose now. I am the only one thats working and soon to be homeless and if I she persistently keeps calling me I will no longer have a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Lending Club Corp
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have autodraft set up for my Lending Club account and the XXXX payment didn't pull on its due date because of a temporary block on my checking because of a suspicious activity alert. The payment then pulled 8 days later, well within the 15 day grace period. They never posted it to my account and have been calling me for nearly three months. I have spoken with them at least 7 or 8 times, I have provided bank statements showing when the payment came out, that it was not returned and they keep applying the current payment to the past month therefore creating a rolling 30 day late. Their collection desk has been of no help. I have been promised calls from supervisors or managers and that has not happened. One of their collection people stated they see the payment was received, she saw the email with the bank statement, and she would escalate to her manager to resolve yet the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
State of South Dakota is reporting I have a collection for XXXX XXXX I have disputed this account multiple times. Still remains. I dont have XXXX in South Dakota. I never been to court for XXXX XXXX   in South Dakota. I dont have any XXXX XXXX  orders.

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 2018-02-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi I had my coinbase account with id XXXX and changed my phone as a result the 2FA was not working. In order to recover my account I tried to upload my new identification documentation 100s of times but the system returned " ID Unreadable ''. I then created a new coinbase account XXXX with the same Identification documents and it was recognized. I then asked Coinbase to : 1 ) Either recognize my identification documents for account XXXX OR 2 ) transfer my coinbase funds ( BTC, ETH, LTC, etc ) from my old account XXXX to XXXX - so that I could get access to my funds. 
I have been unable to access my coins / funds since XX/XX/2017. 

Several tickets have been raised for both the above requests, but till date the only response I have got it they are working on the issue, for the past 3 months I have been following up regularly but my problem is still not solved. 
1 ) Tickets to restore my old account ( XXXX ) # XXXX ( XX/XX/2017 ) 2 ) Ticket to transfer funds from old account ( XXXX ) to ( XXXX ) # XXXX - initially raised on ( XX/XX/2017 ). 

Their software easily reads my id when I create a new account, but when I try to restore my old account it fails badly. 

I have been following up almost daily on XXXX and sending reminders to help me as approx. XXXX USD amount of funds are stuck and I can not get access to the coins. 

I am ready to send them any documentation they need, they already have my mobile number and can verify my identity using SMS and my pictures. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: AL
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.

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 2018-05-19
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: Investigation took more than 30 days

Complaint:
In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.

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 2017-09-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have spoken with Experian about a existing issue several times. Today I hand the chance to speak with XXXX in Dispute Department he is apart of XXXX XXXX.With XXXX XXXX and XXXX XXXX  XXXX. They refuse to remove these accounts form my credit report. I am requesting them removed because they were transfer without my knowledge and reporting twice. These accounts no longer belong to me. I am asking for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE 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 2023-03-16
Company: Academy Mortgage Corporation
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Husband and I used our builders recommended mortgage company ( Academy Mortgage ) because he had a good relationship with them. We came to find out it was to good and Academy Mortgage was looking out for our builder and not us. 
We got the loan and started our build. Our builder dug a full basement and our plans are for a daylight basement. The builder poured our basement when we were out of town and when we returned we could not believe what he had done. We immediately called our loan officer XXXX XXXX and told him that this is not acceptable. I emailed XXXX pictures and told him not to pay the builder because this was what our plans showed and in closing on our loan the documents clearly say if any changes where made there needed to be a change order signed. After emailing XXXX time after time he told me that i needed to take this up with the builder and he couldnt help us. I expressed with him that i was going to get an attorney. XXXX then went and relayed this information to the builder which is very unethical. XXXX then sent me a email telling me he could not talk with me anymore about our loan and that i needed to speak with Academy 's legal department. Academy paid the builder. I finally got a spreadsheet from Academy and i noticed double charges from the builder and Academy didnt want to help clear them up. I went to the subcontractors and had checks made back to Academy for these charges. Academy Mortgage also paid the builder more than the contract stated. When this was brought up to Academy they offered us extensions on our loan free of charge. We had fired our builder and needed to figure out what we had to do. Academy also paid in full and delivery charges for windows for this home and all we had was basement walls. Our closing documents say that all materials needed to be installed and inspected before final payment would be made. We have so many other complaints about Academy Mortgages ethics and business practices. It is clear to us that Academy Mortgage did not manage our money with our best interest in mind. Academy Mortgage was looking out for our builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: AZ
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : 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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : 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 2018-02-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This creditor is using intentionally deceptive practices to keep you from paying the bill There is no way to login into account without the actual credit card but no credit card was ever sent to my home Since I did not receive any statement, I called XXXX XXXX XXXX who led me to the credit card agent who informed me my account was overdue. 

The agent said the overcharge fees would be refunded, but they were not The statement closed 22 days after the first purchases were shipped even though the terms were 30 days. 

There was no way to open a payment because no billing statement was ever sent ( you need the account number to login to the email/online payment center ) A notice was sent in email using an unusual name not matching the credit card name : " XXXX XXXX Credit Card '' was opened Synchrony was emailed. This was intentionally made to look like spam as I had no knowledge of any business with Synchrony Bank I requested a mailed statement of the first bill which arrived after the second billing statement closed causing another overdue fee I had two overdue fees before I ever was given an account number. The account number was needed to pay online. 

This company is fraudulently delaying and complicating the payment process to intentionally cause overdue fees.

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 2022-09-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Attempting to close a checking account with Citibank. Owed {$15.00} which Citibank will not allow me to pay off using a credit card or external bank account. Whenever I try to link an external bank to ball off the balance, the website logs me out for inactivity ( I was actively clicking around the site ) or tells me repeatedly that there is an online error and logs me out. Forced to call customer support. When I use the automated service and say I want to pay bill and close account, it tells me there is an error and hangs up. Call back, go through it all again to get an operator, tell him I want to close account, put on hold and then phone hangs up.

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 2019-03-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
A year ago I took out a loan with ACE cash express, after 72 hours I attempted to return the money totaling XXXX within 72 hours as stated by the worker on XXXX XXXX, in XXXX, TX. When I went in I was advised that I had the loan for 79 hours and could not return the funds without adding another XXXX for interest. I than called the customer service and told to make some kind of payment until I received a call from a supervisor. Of course that never happened. I made a XXXX payment. Fast forward to XX/XX/2019, I started receiving threatening voicemails. I'm going to assume because I wasnt not answering XXXX from a legal department contact number XXXX XXXX XXXX started calling my sister, my XXXX year old son and my friend, threatening them. On XX/XX/2019 I was finally able to answer the phone when a call came through and was informed that now I owed XXXX for interest and court cost, XX/XX/2019 XXXX called me and advised that I would be served at my home and that they would be calling my employer to advise them of the case filed against me. I have tried to settle a number of times but I refused to give them my bank account and/ or my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have a closed auto loan account with XXXX XXXX that I paid off in XX/XX/XXXX. It was reporting to Transunion, XXXX, and XXXX  for its entire tenure. For some unknown reason, it stopped reporting on my Transunion report. I contacted Transunion for them to put it back on my report. I've sent in documents from XXXX XXXX numerous times to Transunion and had XXXX XXXX to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to Transunion documenting the account.The loan still shows on XXXX and XXXX, but not Transunion. Myself, along with XXXX XXXX, have been asking Transunion to update my credit file with my XXXX XXXX account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with Transunion because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .

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