BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date on my credit report is XX/XX/XXXX. This was for a home I rented with former roommate. I disputed this on my credit report last year and they have not removed the charge. I would like to have this resolved seeing as I passed the walk through in the home. In XXXX the home flooded due to the water heater busting. The renters waited 2 months to fix anything. The home smelled of mold because the water got into the molding. They never removed the carpet. The smell went on for 5 months and I emailed PROGRESS RESIDENTIAL multiple times and no one would help me. We paid each months rent. I never received the deposit back and on top of that I see a charge on my credit report for {$820.00} and to date that amount is now {$1000.00}. I have not signed anything or been given notice as to why the amount has rises? I have copies of the email being sent from myself to the renters where they were unlawfully letting us live in horrible living conditions for 5 months.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been locked out of my GDAX Account ( Coinbase 's trading subsidiary ) for approximately 1.5 months. As many of my virtual currency transactions have occurred on GDAX, I have been unable to file my taxes, as Coinbase has consistently failed to restore access to my account, or to provide me with the transaction records that would enable me to file my taxes. 

On XX/XX/XXXX, I filed a support request with Coinbase ; their response indicated that I should receive resolution within 1 week. Since XX/XX/XXXX I have called twice per week, with no response, other than an email saying my case had been " escalated. '' My taxes are now overdue. All I am requesting is access to my account in order to file taxes. 

Many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: PHH Mortgage Services Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current home loan is at 74.4 % LTV, I have requested that PHH Mortgage drop the PMI on my loan. This should have been done automatically when I hit 78 % or below. They are refusing to drop the PMI because I had one delinquent payment in the past year 5 months ago. The loan is current and has been current since. Requirements state that they have to drop PMI automatically once the loan is below 78 % and is current. PHH is refusing to comply with this requirement. I have requested this by phone and in writing, and they refuse to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXXDate of Inquiry XXXX XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry XXXX XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2018-04-25
Company: EQUIFAX, INC.
State: NV
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:
Chapter XXXX BankruptcyXX/XX/XXXXI never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX. XX/XX/XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We called quicken loans ( rocket mortgage ) on XX/XX/XXXX with some questions about refinancing. The lady we talked to ( XXXX ) was very nice, and said that we NEEDED to refinance Because rates were so low. She told us about the process, and it sounded promising. She asked us to estimate our home value, and we went off of XXXX and XXXX at the time. We ARE NOT experts, and this is not our profession. She stated if the assessment came in lower, it was no problem, they could just restructure the loan. She also stated, with rocket mortgage, all closing costs roll into the loan. Which was great, because we told her we did not have the means to pay closing costs. She then asked for a credit card to cover {$500.00} for the assessor. We were reluctant, because we didnt have that to just give away. But again, she said we would get that back. 
Well, two months later, we STILL do not know what is going on. We have gotten several mortgage scenarios. All including outrageous closing costs. We can not pay! We asked several times to just cancel this. If we can not do it, just tell us. You can not ever get through to a person, and you rarely get a call back. We just want our {$500.00} back, and cancel this! Its beyond frustrating. And for our experience, they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I received notice from my town of unpaid property tax from XXXX. I then contacted Freedom Mortgage about the issue, and they assured me that my property tax had been disbursed from my escrow on XXXX. In XXXX of XXXX, I then received another delinquency notice from my town, advising that my XXXX taxes were still unpaid in the amount of {$150.00}, and now with a late fee of {$56.00}. The notice advised me that if my taxes remained unpaid, additional fees would be assessed, and eventually my home would then be seized for sherriffs sale. I continued weekly dialog with Freedom Morgage, who said they would investigate. As of XXXX, my town property tax was still unpaid, at which time I paid the full {$210.00} ( {$160.00} in taxes+interest and {$56.00} in fees ) by writing a personal check to my town hall. Since then, I have continually been in communication with Freedom Mortgage demanding a refund of the out of pocket costs that I had to pay, a total of {$210.00}. They refuse to reimburse me, and continually tell me " the issue is still being investigated ''. I have submitted proof of my payment to them, and they still refuse to resolve my complaint. This has been ongoing for over 12 weeks, and there is no reason why they can not reimburse my expenses.

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 2018-06-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent my first letter to XXXX XXXX XXXX XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form XXXX. 

XXXX is reporting inaccurate information related to an open account. 

XXXX has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

XXXX XXXX XXXX are now in violation of the FCRA and continues to be in noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had being a wells fargo member for quite a while.Till the last XX/XX/XXXX, I did an online purchase to XXXX.Infortunaly the order was canceled by the store and by policie the refund period of wait time was from 5 to 7 business day the max.After I wait more than the time said.I first contact the store, and they provide me an authorization code in order to release the amount to my checking account.When I contact my bank institution, they said the money never was deducted, none of the transactions shows in my personal online access account, except theirs that it shows the whithrow that specific day.I had tried my best with all the evidences I have, to resolve my issue, but is such a waist of time.Now the excellence wells Fargo image I had from the past, it has change to the opositive.As a consumer is very upseting witnessed this bad customer services, very unfair not to own 100 % the accurate info about all my money transactions, this really made me dont trust in wells Fargo bussiness no more.

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 2021-05-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2018-09-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: Premier Student Loan Center
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/XXXX After receiving over 20 voice mail calls regarding my student loan I called Premier Student Loan Center ( PSLC ). Immediately the call starts with them telling me that I can qualify for student loan forgiveness. These continually calls attempt to pressure me into taking their services where for a FEE they will get my paperwork into the student loan provider. The caller jumps right into the sales pitch asking for penitent and personal information regardless of you letting them know you are not in a private location or near a computer ; suggesting that once you give them access they can go into your personal student loan account and access your information.. 

The latest call had them suggesting that I pay {$1100.00} over a 5 month period as part of yearly income re-certification to reduce my monthly payments by approximately {$50.00}. 

So that in theory I would pay the {$1100.00} plus the current loan payment and then pay the reduced amount after the 5 months of paying the accruing interest. Currently I am in good standing with my loan Service provider and once contacting them was able to go through the process of income re-verification with no additional monies needed and send the information directly to the loan service provider. 

Additionally, the company XXXX, XXXX contacted my last year ; I was able to stop payment of the funds I paid the company. Now PSLC is using the same tactics as the previous mentioned company based on an email I received on XX/XX/XXXX. 

In the process they ask for access to my personal Federal loan account and other sensitive information which I wish that I had not given them. The call is pressure filled where they could care less what you are in the middle of they just are hitting you with the sales pitch. The representative send an email that takes the customer directly to a site " Student Data '' proxy : XXXX XXXX XXXX ( www.plscdoc.com ) where there is dashboard screen that is very generic in nature.No identifying logo for the company just a generic web page that they can control remotely. 

The comany 's practices are deceptive and when questioned the sales representative became argumentative and expressed that I had to MAKE CONTACT with them TODAY after I explained that I would think about my options. 

While they have the company rating on the XXXX website, the tactics and mannerism are rude, condescending, and pressure filled. How do I stop this contact this company from contacting me via phone or email in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: LA
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 included every payment made that the reporting company is saying I never made not a single payment from the texas attorney general child support I have shown XXXX in payments since 2018 and the credit bureaus will not take it off. the debt on y credit shows I owe XXXX so im actually overpaid

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 2020-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2006 with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have spoken with Money Lion about this several times and they have not provided a response. 

1.I have tried to cancel mymonthly membership wuth money lion but they say I have to keep the money membership that costs {$20.00} if I have a loan with them. They refuse to cancel the membership. 

I have not been able to find any of this information in the loan documents and when I ask where the info is located I get told it's on moneylion.com and that's it. 


2. They also reported the loan 30 days past due. On there online app it shows the account paid as agreed but they still reported ... 

I also have maid multiple payments on a due date that do not reflect on there online app.. 

3. They also say that once I pay off the loan the will hold XXXX in escrow until I pay all monthly membership fees..this is is in none of the papper work I signed. 

... I filed an internal complaint to remove the late notice from my credit as the loan always shows current and asked they cancel my membership but they wont do these things ... can you please help. 

I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The fees of the company seem Highly inflated and every time i've called to get more details on the fees of my loan, the representatives can not fully explain the breakdown of the charges. The maturity date on my autoloan is XX/XX/2018. I have had 3 payment extensions during the 60 month term of the loan. My monthly payment is {$420.00} so therefore my loan balance should be around {$1200.00} but instead the balance is {$3200.00}. My auto loan was also transferred from XXXX to Westlake Financial about 30 months into my loan and without my consent. 

Furthermore, the original amount financed was {$13000.00} yet, as of today I have made {$21000.00} in payments and STILL have another {$3200.00} before the loan closes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: IN
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: ONLINE Information Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On-Line Information Services is a collection agency that has been harassing me about a XXXX XXXXXXXX XXXX XXXX of {$240.00} incurred in XX/XX/XXXX in a condominium residence XXXX XXXX XXXXXXXX XXXX XXXXXXXX, that had been opened in my name due to identity theft. 

My son, XXXX XXXX XXXX and his father, ex-husband XXXX XXXX XXXX unlawfully took possession of the Florida condo in XXXX per fraudulent transfer of assets, and in fact, went before a judge swearing under oath that I had never lived there. 

Lo and behold in XXXX, I received a letter from the collection agency demanding payment for the utility bill. On-Line has tarnished my credit with all three reporting agencies. On numerous occasions, I have explained to On-Line that the condo was taken over in XXXX and I neither opened an acct in my name, nor had anything to do with the residence in XXXX when the charges were incurred. They have been been rude and have ignored my attempts to explain that I am not liable for this bill. 

I have spoken to XXXX XXXX and was told that they in fact, closed the acct years ago and are not looking for payment. They further advised me to report a collection agency that harasses individuals victimized by identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father died on XX/XX/2017 and since XXXX I have been trying to close his banking accounts at Wells Fargo. I have called several departments, been transferred over and over, spoken to supervisors and literally been on hold for hours. 

As the estate administrator I have all of the required documentation and have offered to fax or email the documentation but they insist on me going into a branch office. The closest Wells Fargo office is three hours away, one way. In the meantime they certainly don't mind charging a dead man 's account service fees month after month. 

Extremely disappointed and disgusted with WELLS FARGO!!!

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 monetary relief
Consumer complaint received 2018-04-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX and was presented a Fact Report saying that the car was being sold because it had only one rear end accident, however after having to purchase 2 tires in 4 months and thinking having a front end alignment. Was told by the repairman the car had a bent frame the results of a front end collision, needed to have repaired. However could not having a {$460.00} monthly note. Asked for a note extension was denied by Bridgecrest Financial wanted to work problem out but requested extension was denied. Car was purchased from XXXX. please

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