BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: EOS Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Monday XX/XX/XXXX at XXXX I received a phone call from XXXX, after saying Hello several times and hearing someone in the background, then hung up. I called the number back and it was confirmed to by EOS CCA. On Wednesday XX/XX/XXXX they called again at XXXX, I gave the collector a verbal cease and desist, he paused then told told me 3 times he has no idea what I am talking about and hung up on me. On XX/XX/XXXX at XXXX I received another call from EOS CCA, I immediately asked for a manager and was transferred to XXXX XXXX  and told about about the verbal C&D, he also verified calls are recorded. He then proceeded with since we are talking already, can you discuss your account....I told him no and ended the phone call with another C&D.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Alabama Housing Finance Authority
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I cancelled an insurance policy with XXXX and XXXX ( wind/hail ) under a company called XXXX. Prior to doing so I established insurance with XXXX XXXX. When the policy cancellations were sent to XXXX, it appears the XXXX policy was cancelled but the XXXX policy was not. So since then I have been paying monthly escrow deposits which I have been told have were paid to XXXX for XXXX coverage on XX/XX/XXXX in the amount of XXXX. I had been trying to get the escrow payments cancelled for this policy since XX/XX/XXXX when I first called XXXX after I received much higher monthly payments since XX/XX/XXXX. I was told this was because of an escrow assessment done in XXXX which required higher escrow payments on the XXXX policy which is at that time I found out I was still paying for a cancelled policy. I have called XXXX at least five times since then and each time I get the run around and am told different information each time. Some of their representatives are not able to even tell me anything. I have called XXXX and emailed a document showing my refund of XXXX from XXXX and it says I have coverage elsewhere. I have been told that is enough. I sold and closed on the property on XX/XX/XXXX and prior to that date the title company could not reach anyone at XXXX  to get a payoff amount for closing. Earlier in XXXX I had requested a payoff statement which I received in the mail. It was dated thru to XX/XX/XXXX. I was able to give it to the title company so they paid the loan off after closing. The title company was contacted the next day saying I still owed XXXX which was the difference of what was owed from the XXXX policy. They said if it wasnt paid by XX/XX/XXXX I would be charged XXXX a day fee until it was paid. So not only do they owe me XXXX, now they want more for a policy that was cancelled. All they have to do is see I had XXXX XXXX on XX/XX/XXXX to know the other policy should have been cancelled like the XXXX document shows and send me back all the money I paid since then. My title company was good enough to pay in advance for me the XXXX but I will be paying them back and out more money. I just dont know what to do at this point. I cant get anywhere with them on my own.

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-02-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase and Coinbase pro have either lost my money due to a hack or a system error, or they have a glitch and made it so I can not get back into my account, It's been 6-7 weeks since I have been able to get into my account and I first messaged them about the problem. I received a couple of auto generated " your ticket has been received '' msg and then the generic " we have a high volume so it may take a while to get back to you ''. I sent another msg a few weeks later and got a reply saying they would get back to me in 5-7 days. That did not happen. I sent another email saying they never got back to me and have heard nothing back in weeks. I have {$70000.00} in their system that I can not trade to make money, move to save money, or withdraw if I need to use it. I read on the internet that in XX/XX/XXXX/XX/XX/XXXX that 140ish people filed a complaint with the sec and there was/is a lawsuit for these exact reasons. As of XX/XX/XXXX I have opened a XXXX account to try and get help on there. Still just computer generated replies from Coinbase support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05
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:
On XX/XX/2019 I contracted Equifax, XXXX XXXX, and XXXX, about updating my credit report to show that my student loan were closed. I also sent each of them a copy of the letter from the Department of Education, showing that they were discharge. I received a letter from Equifax on XX/XX/2019 that the account were open and accuracy which tells me that they did not read or investigate the letter I sent or did they contact the Department of Education. Amount to be removed or closed account {$190000.00} and {$32000.00} on credit report. The Equifax Confirmation letter XXXX. 

I wrote another letter today XX/XX/2019/ As a XXXX   veteran, I find it hard to believe that I am writing your company once again about updating my credit report. Let be care I sent your company a copy of the letter for the department of education that my loans were closed, as well as forgiven XX/XX/2019. Yet you write me back stating that the information was accuracy, I understand the information about the loan are accuracy, but you have open in good standing on my credit report, and it should show closed. I have contacted the, CFPB, the State Attorney General office as well as the Department of Education to contact your company right away about the problem. I am giving your company one last time to correct this ASAP, and put account paid in full and closed. Before I contact an attorney. 
Base on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a promotion with Discover to get {$45.00} back if I signed up for a XXXX XXXX membership. I did so on XX/XX/XXXX and 3 months later I have not received my statement credit yet. Discover says that it may take 3 billing cycles since the end of the promotion on XX/XX/XXXX for the credit to be posted on the account, which feels deceptive and defeats the purpose of the promotion ( it feels as if you would sign up for the annual {$45.00} for free when you really have to pay it or have financial charges associated with this charge as you do not get the credit until 5 or 6 months later )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
The reason I am emailing you is because I wanted to ask you some questions or maybe you know someone that can assist me. In XXXX my husband and I took out a loan with one main financial, not knowing the torment that would follow. Now normally I dealt with a lovely women named XXXX XXXX ; whom when I began having income issues due to being out of work because of injuries i got at work, tried to assist me as best as she could. Unfortunately XXXX no longer works there and although they are fully aware of my financial burden they continue to harass me. Calling all day long, threatening me, bullying me, they even have began to call my husband 's job on nivember XXXX, XXXX speaking to unauthorized personnel and faxing papers to them. The person the fax is addressed to is for one not human resources and two not authorized to release my husband 's information. They also called and spoke to this person asking all kinds of questions. I spoke to XXXX whos last name i have been refused and also sent the faxesand informed him he was not to contact my husband 's place of business prior to this. I have had multiple issues with this gentleman, in the end of XXXX the XXXX i believe he called me and stated that if I paid them I believe {$56.00} that he would lower my payments to XXXX $ a month. Now XXXX XXXX, XXXX he called demanding I pay him XXXX $ but they 'll settle for XXXX. When I told him that is not what he told me he began arguing that this is not how it works. I must pay what i owe or hes going to call his lawyer and garnish my hudbands pay, etc. Changing everything he told me and i pointed out that if i knew this was going to happen i wouldnt have allowed him to take that extra money, that I did not have. I was reduced to tears explaining that I can barely feed my family and the amount he is asking for is too high I can pay partial payments but I ca n't afford that amount. I now have my second eviction notice arriving. That is when the threats began and now I do n't know what to do. I also told him I can not currently get a job because I 'm XXXX and due in a few months but once I 'm working I would resume normal payments. I ca n't sleep and I listen all day for a tow truck to take our only means of transportation ( they are not our auto loan carries but that is one of the threats he has told me ) Or I wait for my husband to come home and tell me he got fired due to their harassments. I had to borrow money from his job just to give them the XXXX until i get money from unemployment so he wouldnt harass me that weekendand now I ca n't even feed my family.He also had the audacity after I paid him to say enjoy your XXXX in a smart way knowing he just put me through XXXX. The harassment then resumed on Tuesday XXXX XXXX, XXXX and they have not stopped calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We bought a new XXXX from a XXXX dealer using their financing with XXXX XXXX. We refinance to Pentagon Federal Credit Union ( PenFed ). 
My complaint is with PenFed. 

PenFed paid off the XXXX loan and requested the lien and title from XXXX. 
XXXX sent the lien but not the title.

Two months later I get a threatening letter from PenFed saying that if I don't get the title from XXXX they will either raise my rate or use the lien against me. This is the first instance I've ever heard of any issues between the institutions. 
I call PenFed and they said that XXXX XXXX did not send the title. 
I call XXXX XXXX and they said " The dealership was late sending the title, so when PenFed made the request, we didn't have the title at the time. PenFed needs to call us again or make another request to send the title because we have it now. '' I call PenFed and tell them what to do. PenFed instead emails me their address. 
I call XXXX and tried to give them the address to send the title to. XXXX XXXX refuses because they can only deal with the lien holder ( they must speak to PenFed ) I call PenFed and PenFed said they do not call other institutions to settle matters. That I now must go to the DMV to request the lien and title from XXXX XXXX, then make another request to put the title and lien back in PenFeds name. 
I tell them " No. This is not my XXXX  job to do your job. I did everything I am required to do as a customer, and you are using me as a guinea pig to do your work. And now if I don't do YOUR job, you are threatening me with raised rates or using the lien against me. Make another request to XXXX XXXX to get the dang title and everything will be settled. '' The next day ( today ) I get an email from PenFed saying I need to call immediately. I call them and after 1 hour of being on hold I am told that they denied my request and now I have to resubmit all paperwork with the state of Texas to fix this. 

Since when do the customers ever get involved with situations like this? 
PenFed has deliberately used extortion techniques to get me to do their job.

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 2017-06-07
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in the late XX/XX/XXXX i had a XXXX credit card. I used it to buy throw pillows. When i got the bill i went to pay it at XXXX and i also cancelled the card. Reason : XXXX is too expensive! I signed a form sayin the bill was paid in full and that i cancelled it. In XXXX 2017 i got a letter from pressler and pressler sayin that they put a judgement on me for a XXXX credit card bill. They said i owed XXXX {$630.00}. And with their fees it came to {$1000.00}. I contacted them and told them i wasnt aware of this and that it was paid off and cancelled a long time ago. I spoke to a XXXX XXXX he asked if i still had the form when i cancelled it. I said no who keeps forms like that from so long ago? And he said since i didnt have proof. That i had to pay. I said nope not paying something i dont owe. And he proceeded to tell me they would harass me til my death. That i would be arrested if i didnt pay the debt. I have gone on the court website screen shotted everything and when i went back to it a few days ago half of what was on the site was gone. So the info has changed. The last time something was entered was XXXX XXXX2017 execution postcard was sent. I do n't have a clue what that is but it never came. Ive put a security lock on my credit report so they cant access it. Ive closed out all my bank accounts so they cant take anything. Ive done alot of research on these lawyers and their unethical collection practices. Im still waiting for proof that i owe this debt. They havent sent anything but subpoena questionnaires asking about my assets. Ive gotten 3 so far. One i sent in i didnt put personal info on it. I figured they had all my info why give it again? The last paper i got from them was in XX/XX/XXXX saying i had to reply in 7 days or risk being arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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: 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 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 2021-06-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX and experience are all not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!

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 2019-12-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I received a notification through my credit monitoring service that my account with SYNCB/PPC was closing. The problem was I didn't have an account with them, to the best of my knowledge. I searched their name and dug up that it was somehow related to Paypal, an account I do have but have not closed in any way. In my search, it appears numerous other Paypal customers are being confronted with this issue of having some account related to Paypal in their named closed despite not recognizing the account or having any knowledge of ever having opened a credit account under Paypal. This has resulted in a lowered credit score for myself and others, and it's hard to tell the scale that this has happened at. There seems to be no trail of Synchrony informing Paypal customers of this issue, for myself and others who are reporting this issue across the web. I am concerned for those with more vulnerable credit scores than myself and the ramifications of this issue for them.I encourage others running into this issue to file a complaint with the CFPB to get this issue proper attention.

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 2022-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sps servicing evidently bought my mortgage from original. I called for a payoff on XX/XX/XXXX and the amount was XXXX. I paid {$500.00} through my bank XXXX on XX/XX/2021 and my regular payment of {$490.00} came out on the XXXX of XXXX leaving a balance of XXXX somehow they took these payments off and added them back on the next day. They are saying I owe XXXX dollars I have a XXXX statement which show the amount due as {$1000.00}. Since then they have tried to keep taking payments from my account which I have blocked. I have called numerous times to talk about this and keep getting the same non answers and you can not talk to the same people ever. I need help this is ruining my credit. My account number XXXX and the company is Select Portfolio Servicing out of Utah. I believe they have had any complaints. Please hep me XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: DISCOVER BANK
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of Identity theft. I have provided ( Experian ) with copies of my United States issued photo, social security card, FTC report, Fraud Affidavit as well as police report. Requesting for Fraudulent accounts to be Blocked, from my credit profile. Instead of Experian honoring my request under the " Fair Credit Act for victims of identity theft, they process my request as a dispute without verifying my identity with the associated company.

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 2017-06-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have resolved a debt in full XXXX XXXX,2016 it was filed in the court of my county XXXX XXXX, 2016 however they will not remove this from my credit report. Over the last 30 days I explained to them that I care for XXXX XXXX children and I was trying to purchase a home for them and this is affecting me from getting a loan from the bank. I found out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything. XXXX XXXX XXXX XXXX have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance

Company response to consumer: Closed with explanation