BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a {XXXX  principal payment to The Money Source, Inc ( TMS, loan service provider for conforming mortgage from XXXX XXXX to pay down my mortgage principal to less than 80 % of the original valuation at loan closing ( XX/XX/XXXX XXXX. I have made all of my payments on time. Recent refi appraisal is valid for 120 days from XX/XX/XXXX, so I do not think the property has declined in value. 

On XX/XX/XXXX, I mailed a letter requesting PMI be cancelled via XXXX. On XX/XX/XXXX, I called to request that PMI be removed. When I spoke with their representative, they agreed that the principal had been paid down below 80 %. However, they said that I needed 2 years of payment history to cancel PMI. For this reason, they did not approve my request. I expressed my concerns to them on the phone and also by email to the address they provided XXXX XX/XX/XXXX XXXX. 

From reviewing your website and calling your call center, I believe I am only required to not have late payments in the past two years ( I have made all payments ). It my understanding they must honor this request and not require a " seasoning period '' as they are requesting. 

Per your website ( https : //www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/ ), " Other things to keep in mind about the Homeowners Protection Act Loan investors, including XXXX XXXX  and XXXX XXXX XXXX often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). '' Assuming you agree, I am asking the CFPB to direct TMS to cancel my PMI. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Credit inquiries on your report that you don't recognize

Complaint:
bureaus all 3 will not correct inquiries online and want remove the false info

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 2019-07-28
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Related to Complaint IDs XXXX and XXXX attached is a XX/XX/17 voice recording of Honda granting the 60th payment extension and XXXX notice. Also attached is a XXXX bill showing Honda receiving the promised XX/XX/2017 call and never returning this call to make a payment. Also related to attached Honda refuses to provide the details of its XXXX interest calculation. Honda refuses to honor the attached NYS mandated recall and its recall notices. Satisfactory loan servicing also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep getting phone calls regarding a debt owed to " XXXX ''. Have never had an account with that company. The calls are always an automated call leaving another phone number to call. They call six to eight times a day using different numbers. Have blocked the numbers and they still continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX XXXX {$3000.00} was taken out of account, this man was able to send himself money off my my wallet on my phone and I did not authorize him to do so and when I spoke to my bank they said I let him. When I noticed the money was gone I called the police and got an investigation report but the police never got back in contact with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we have been trying for the past 10 years to get a loan modification we have contacted so many people including you now our loan is with seterus where it has been for the past two years we have been working with a hud certified counseling center first home alliance and our worker is XXXX XXXX XXXX she has been working with us for the past 10 years we have been continuing being thrown into foreclosure after months on end of filing out paper work and then being told that person is no longer there and having to start all over we have hired and paid for attorneys and filed for chap XXXX but judge XXXX and XXXX XXXX did n't believe us and threw us out of bankruptcy court not allowing us the protection we need and more important the payment history corrected and made public to us we have never received a payment history to date and we purchased the house in XXXX. our house is being put on the the foreclosure block this Friday we just found out again with little or not notice like usual there is no legal reason why we should n't be allowed to have a loan mod my partner makes {$100000.00} a year the mortgage company and XXXX XXXX refuse to work with us and the worst thing is our loan mod was based on an amount owed of {$380000.00} and they are selling the house Friday for XXXX how does this happen and why is it oaky. I will continue to fight even if the house is sold, seterus blocked XXXX XXXX from accepting our cash payments and we paid cash payments for two years that we have never received credit for and XXXX XXXX has copies of those payments but not on our mortgage history. they do n't care.

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 2020-12-23
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Greetings CFCB, I recently joined Coinbase on XX/XX/XXXX. I went through all the verification steps, provided ID, SS, Address, 2 part verification - email, sms and XXXX authetication and was approved. I made 3 trades using my bank to fund - 2 purchases of Bitcoin  ( XXXX ) and 1 {$3500.00} purchase of XXXX  ( XX/XX/XXXX ). They allowed those ACH transactions to process and my bank completed them. 

The next day, without warning, provocation or explanation - Coinbase set my account deposit and withdraw limit to {$0.00}. When I try to do wire transfers - I get a prompt of 'how to ' but cant actually select a wire as an option. 

I am locked out from adding to or withdrawing funds from Coinbase. This is absolutely unacceptable. They are de facto holding my account, my trades and my money hostage. 

I submitted a request to increase the limit multiple times and was denied. I tried multiple linked bank accounts all of which had limits set to {$0.00}. I filed a request to Coinbase to troubleshoot and only received auto generated email responses that took days to appear. I then filed a client complaint and they dodged this issue. I went on XXXX and XXXX requesting help - No response. There is no 24/7 support or call center number to talk to a human. I feel completely helpless. Ostensibly, Coinbase took my money and disappeared. 

Can you please help me and refer to all screen grabs. It's a lot of money for me and I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-07-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my Fathers IRA account. 
I have been in contact with the Bank multiple times, begining in XXXX, after my father died. I am the executor of his estate. The banks forms have been filled out, at the local branch to insure no problems. The forms were sent to the Banks IRA department along with death certificate and paper work showling me as the executor. 
I have returned to the branch multiple times between XXXX and XXXX. 
Each visit results in another minor issue or question being raised and answered, always ending with their assurance that the check will be in the mail. Now going on eight months, still no check. 

The account is going thru probate, because the bank failed to process the transfer on death paperwork. This paper work must go thru the banks IRA department, a very incompentant department. Other accounts with the bank transfered on death. 

This is my second complaint on the same account, the first time I maid the complaint, their reply was, This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

Their customer is dead, they don't reconize me because they are incompetent. 
They are sitting on this IRA, they never call me to say there is a problem. 
I believe they slow walk these account closing request on purpose and should be investigated. I made multiple trips to the banks branch, 1 hour away, and still after 7 months, hear nothing but excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This happened with Chase. I was in the process of moving and missed two payments which i promptly paid the day after. Since i was late a second time because of the entire moving process they said i was late past 30 days which was false. This was for the statement of XX/XX/XXXX and XX/XX/XXXX. I would like this corrected or to be removed entirely. I have not missed a payment since and the derogatory mark is messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am currently under chapter XXXX Bankruptcy proceedings, which was filed on last XX/XX/XXXX. I  had included a debt from XXXX XXXX XXXX TV programming in the amount of {$350.00} and had the Bankruptcy court notify them and their collections agencies at the time via The Court proper channels. But out of the blue on XX/XX/XXXX I received an email to my private personal email account without my authorization from Stellar Recovery, INC. demanding payment for such account. After immediately contacting them and explaining that they were trying to collect on an account that was already included in chapter XXXX US Bankruptcy court and had no business collecting on, I was assured in writing by one of their employees that " they will remove '' all of the negative information from the credit bureaus. Today is the XX/XX/XXXX, a month later and nothing has been updated with the credit bureaus as of just yet. What is more infuriating is the fact that this collection agency, went as far as reporting this to the credit bureaus as a new account altogether on XX/XX/XXXX in total violation of the US Bankruptcy Court, and this was without waiting from a response from me personally, which by law it should had been 30 days after receiving notification from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX. Attempted to call as well as go online to their website to request a payoff amount for my mortgage. 
It is impossible to reach someone via phone ... I waited for over 45 minutes ... they have wait call times that are excessive, you get cut off and have to start all over again. 
I attempted to handle it via their website and have had no response from them other than they received my request and if I resubmit, it will only delay the process. I requested a payoff letter via email on XX/XX/2019. 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 2018-01-10
Company: Ocwen Financial Corporation
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:
Ocwen recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with XXXX. Even though XXXX has and was provided documents from themselves in the past they simply send back a letter saying Ocwen states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The XXXX agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with OCWEN and XXXX. XXXX needs to fix its dispute system and OCWEN needs to be held liable for the abuse of its reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XX/XX/XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XX/XX/XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at XXXX XXXX XXXX and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.

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 2018-01-10
Company: Cordoza & Wexler Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a call from XXXX XXXX XXXX XXXX ( State : PA ) with numer ==> XXXX telling me that i need to pay. 

I recently migrated from XXXX XXXX and do not owe anyone anything. 

Please assist and take the response company to task.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages XXXX times and dates show XXXX along with screen shots of when they did the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I received a personal loan from Big Picture Loans in the amount of {$1000.00}. I was told my payments would be {$220.00} on the XXXX of each month. Before accepting the loan I asked how much I would pay in interest if I paid the loan off right away in XX/XX/XXXX, the agent said about {$160.00}. XXXX. My first payment of {$210.00} was deducted from my bank electronically on XX/XX/XXXX. Another {$210.00} was deducted on XX/XX/XXXX. I called Big Picture Loans and made a complaint stating that was not what I agreed to. I asked the representative how much I would need to pay off the loan on XX/XX/XXXX. She stated {$1000.00}. I purchased a cashiers check from XXXX XXXX, check # XXXX on XX/XX/XXXX, and mailed it to Big Picture Loans Customer Support XXXX XXXX XXXX XXXX, MI XXXX I stopped all future electronic deductions from my account. I paid {$450.00} in interest from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I  received an email from Big Picture Loans stating that they received my cashiers check in the amount of {$1000.00}, but due to me putting a stop payment on this account, I have a remaining balance of {$310.00}, and to keep in mind that additional finance charges accrue daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions Inc.
State: IL
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 ID THEFT. MY INFORMATION WAS COMPROMISED DURING THE 2017 XXXX  DATA BREACH. I HAVE ENCLOSED DOCUMENTS TO ASSIST IN BLOCKING INFORMATION FROM BEING REPORTED ON MY CONSUMER 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 2019-07-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2019, a customer chose to pay me {$850.00} for repairs to her home via Venmo.com. Venmo allowed me to accept the payment and gave me an option to transfer the money to my bank. After initiating the transfer Venmo.com told me my money will be available in 24 hours. When the 24-hour period expired I messaged and called Venmo.com about why I had not received my money like they told me in an email. Venmo.com never responded to my text but the did answer the phone on Friday, XX/XX/2019 to tell me that my transaction had been flagged for review and I will need to wait three business for them to finish their review. They could not tell why my monies was being held other than to say the FTC is reviewing my transaction. They never advised me that my money was being held nor could they tell me why the FTC or ACH needed to review my transaction or a hold code. This is financial burden to me and my business and I deserve my money plus interest due to the unexplained delay.

Company response to consumer: Closed with non-monetary relief