BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: REVERSE MORTGAGE INVESTMENT TR
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Im XXXX years old, XXXX and in a very difficult situation. I have no running water in my half repaired kitchen because my Reverse Mortgage Funding will not release the {$7800.00} of my insurance money. I had a flood in XX/XX/2019 and the insurance company paid {$11000.00}. The reason for not releasing the funds is because my mortgage is inappropriately if not illegally delinquent. 
According to my reverse mortgage agreement I make no payments. In XX/XX/2019, I filed Chapter XXXX bankruptcy in which my house was not included. When this occurred RMF contracted an attorney, which Im told was to place a lien on my house to protect the investors. I was always under the impression that the mortgage is a lien, in first position, on  the house. The {$650.00} attorney fee was charged to my line of credit which put my mortgage into delinquency. There was approximately {$55.00} in my line of credit in XX/XX/2019. No one can speak with me because my mortgage is delinquent and no one can tell me how to resolve this. This has been going on since XX/XX/2019. My contract for repairs states 60 % payment upfront and 40 % upon completion. To date, RMF has only paid my contractor {$3600.00}, owing him {$7800.00}. But, RMF wont release funds until the work is completed. I have no way of paying the {$7800.00} to complete the kitchen repairs and no way to borrow this money. And if I borrowed it, at this point Im not sure they are going to release the funds anyway. 

I have submitted multiple, often duplicate documentation from me and the contractor. When I call Im constantly transferred, put on hold sometimes more than an hour then disconnected. All these disconnected phone calls can not be a coincidence. I dont like to think like this and almost everyone is pleasant but something is just not right.

And to boot, Im paying interest on the negative money in the line of credit. If I lived to be in my 90s this may be thousands of dollars. 

This has been so stressful. It has affected my physical and mental health which is already compromised. I was scheduled for back procedures but they were canceled due to the pandemic. I have XXXX XXXX XXXX from washing my dishes in the bathroom sink. Its been a nightmare. I wish this on no one. 

I certainly hope that you can intervene and help to resolve the situation and have RMF release my insurance funds so my kitchen can be repaired and I can live safely. And I hope that you can review their procedures and prevent them from doing this to other  seniors especially those more vulnerable than me. Hurricane season is approaching, and if my windows or front door gets blown out, I dont want to go through this again and not have repairs done that were paid by my insurance but delayed because RMF is holding the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Westcreek Financial
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received a collection call at XXXX XXXX central this morning, XX/XX/2019. 

This company also calls me at least times a day, sometimes 5. It's getting out of hand. STOP IT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, 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:
On XX/XX/XXXX and XX/XX/2018, I started an investigation confirmation XXXX and XXXX regarding Bankruptcy 's listed on my credit report. Equifax notified me by mail and closed the investigation on XX/XX/2018 and XX/XX/2018 that they verified as accurate and I need to go to the US Bankruptcy court if I have questions since they reported the information. 

On XX/XX/2018 I faxed over a letter to Equifax that the BK Court deputy clerk gave me 2 letters stating that they do not verify information or put BK to the credit bureau agencies.. They still closed the case and opened another XXXX and are now saying it will be completed on XX/XX/2018. 

Since I provided important letters to delete the information off of my credit report, they are now adding another 30 days on the clock for the same issue which is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the XX/XX/XXXX i sold a part of my bitcoin capital to Coinbase ( https : //www.coinbase.com ). Coinbase has something called a 'EUR wallet ' which is something where your funds go to after selling. This happens instantly and after that you can withdraw the funds to your local bank account. It also works the other way around : you can send funds to the 'EUR wallet ' and after the deposit ( which takes 'x ' days like the withdraws ) it appears in your 'EUR wallet ', then you can buy bitcoins,  litecoins  or etherium with it. Now, what i had was XXXX euro in my EUR wallet. With transaction fee included it 's XXXX euro. On the XX/XX/XXXX my bank account was verified by Coinbase so i decided to transfer the full XXXX to my bank account. The transaction was confirmed and got an e-mail that funds will be send and will be received on the XX/XX/XXXX. A few days later the message appears on the Coinbase website that i could take up to 5 more business days for a transaction to appear in your bank account. That 's not a problem and i fully understood it because the selling volume went through the roof. On their site they say it will take up to 2 business days to transfer the money with a SEPA transaction, but if we add up the extra 5 days it equals to 7 days. If i submitted my withdraw on the XX/XX/XXXX and add 7 days to that we find that the XX/XX/XXXX should be the glorious day of the money coming into my bank account. However, today we are the XXXX ( day this was written ) and yet nothing has changed. The transaction status is still pending and if i check other forums i find other people with the same problem as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: OH
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:
On XXXX XXXX, XXXX, I send a letter to Experian in the request for verification of the debt shown as XXXX XXXX XXXX {$320.00}. This account remains on my credit report without validation of the debt pursuant to Section 609 ( a ) ( 1 ) ( A.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. i call equifax office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to equifax that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against equifax thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I have had numerous of calls from Chase since 2017 for me to apply for a modification. I have been denied 20 times and that is the sole reason my mortgage is at default. Misleading information and I have proof of the request for modification over the 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: PA
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:
I have contacted both XXXX XXXX and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with XXXX amd Eqifax none of the companies involved have done so. 
XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I made a {$66.00} purchase through PayPal. However, I sent the merchant an email to cancel the order on XX/XX/2020, and XX/XX/2020. However, the merchant refused to cancel the order but shipped the item anyway, which was not delivered. Therefore, on XX/XX/2020, I submitted a dispute through Paypal, which Paypal denied. They did not give me the opportunity to appeal my denial with additional documentation. Therefore, Paypal supported a fraudulent transaction with the merchant, which included a false tracking number that was not from USPS. 

In addition, I contacted my leasing office and spoke with XXXX and XXXX. They both confirmed that no package was delivered. Then after further research on the merchant, there were other complaints about the same issues regarding fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Synchrony Bank presented me with an offer to pay a debt, I conditionally accepted the offer on the condition that clarification and full disclosure of the claimed debt was given before I proceed. Synchrony Bank ignored my request to resolve this matter and instead reported detrimental information to credit reporting agencies against my instruction. I did not consent, benefit, nor authorize this account on my consumer report and Synchrony Bank has violated my right to privacy per federal consumer financial law.

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 2021-11-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) I received communications from American Express regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt. 

A few weeks later, I found gainful employment and responded to American Express, informing American Express that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck. 

American Express XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from American Express XXXX XXXX  was my account was sold to XXXX XXXX XXXX XXXX ( XXXX ). 

Mid to end of XX/XX/2021, as soon as I realized what was happening with American Express XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and American Express XXXX XXXX investigation findings. 

In the meantime, XXXX XXXX XXXX XXXX ( XXXX ) has been sending frequent emails to collect the said debt. I have not communicated with XXXX XXXX XXXX XXXX ( XXXX ) because this confusing situation requires resolution before paying anyone any amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NATIONWIDE CREDIT , INC. ( nci ) I received communications from XXXX XXXX regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt. 

A few weeks later, I found gainful employment and responded to XXXX XXXX, informing XXXX XXXX that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck. 

XXXX XXXX XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from XXXX XXXX XXXX XXXX  was my account was sold to Nationwide Credit , Inc. ( nci ). 

Mid to end of XX/XX/2021, as soon as I realized what was happening with XXXX XXXX XXXX XXXX and Nationwide Credit , Inc. ( nci ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and XXXX XXXX XXXX XXXX investigation findings. 

In the meantime, Nationwide Credit , Inc. ( nci ) has been sending frequent emails to collect the said debt. I have not communicated with Nationwide Credit , Inc. ( nci ) because this confusing situation requires resolution before paying anyone any amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CCS Financial Services, Inc.
State: OH
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:
On XXXX XXXX, 2021, CREDIT COLLECTION SERVIC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Global Portfolio Recovery, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX place 2 incorrect accounts on my credit report. I requsted supporting doc from them. They only sent past due bills stating that its my account Im not aware of account so I asked for additinal info which they did not send. I asked for signed contract which they did not send. I asked to remove from my credit file an they refused.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-20
Company: National Credit Adjusters, LLC
State: NM
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:
debt collector are changing dates on my accounts making them more recent, trying to hurt my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery has listed a debt on my list of creditors that I wasn't notified about through any form of communication. I was not afforded the opportunity to dispute unverified debt they purchased from XXXX XXXX XXXX division.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is missing information on my credit report and information needs to be modified or deleted from my credit profile. I'm also requesting an updated copy of my Equifax credit report with results to reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My grandparent have a mortgage with Select Protfolio Servicing Inc. They moved to Minnesota in XXXX of XXXX. My grandparents are elderly. They could n't keep up with the up keeping of the property and the property was falling apart. They both on a fix income and they ca n't afford to have in work done in the property. So I told them to move here because they did n't have the help with getting around. My grandparents both fell down the stairs plenty of times. I submitted paperwork to get a deed in lieu. And it 's been an ongoing thing. I submit paperwork then they asking for the same paperwork every chance they get. You call in and get someone different every time. And each person give you different message. I fax in the documentation and also email the documentation. Then they state that did n't fax the documentation until late. But I kept on calling the day I fax it over and they said it can take 24 hours. I still call the following day still nothing. Then call back the following day still nothing. Then they state to email it get to them right away. I did. They call me the weekend stating that something is missing. I asked what and they stated that I can get the document on the website and I went to look for the form they said my grandparents need. But they said the new up to date form have the option to surrender the home. But did n't find it. Because on the previous documentation I put on the form surrender the property. I 'm just tired of the back and forward between the company. Their representative is not knowledgeable and they seem like they do n't want to help. This is so frustrating. I think everything is done then I get a call saying I have to start back over. I think something need to be done to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  Account XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an 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