BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
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: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Law Office of J.A. Cambece
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Seized my car. Debt was XXXX. Continue to threatened me.

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 2017-10-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2017 I applied for a personal loan with a few companies. One of the companies that I applied with was One Main Financial. Their advertising states that applying has no impact or bearing on your credit. After I applied for the loan and was approved, I opted not to move forward, however the next day they pulled my credit and it now reflects as a hard inquiry. It currently reflects on my CBR as ONEMAIN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is a partial copy of the letter sent to the lending company : I am writing to share my frustration and disappointment in one of your Loan Officers, Mr. XXXX XXXX. I am at a complete loss at his level of incompetence and inability to reach settlement on the above listed property. To date, he has missed three closing dates for one bogus reason or another. Despite the mess he has created, he has yet to take ownership for being ill-prepared and failing to ensure all documents were in place for the scheduled settlement dates. 

The following are the dates missed and the rationale given : XX/XX/XXXX date moved to XX/XX/XXXX - No reason given XX/XX/XXXX date missed and moved to XX/XX/XXXX - I was told that HUD wanted to audit the file because multiple contracts had been made on the property and the contracts had failed to reach settlement. I have not spoken to one lender who has ever heard of HUD wanting to audit a file for such a reason. 
XX/XX/XXXX date missed and moved to XX/XX/XXXX - he failed to confirm buyer 's rental history and underwriting needed the former landlord to confirm dates of rental history. At this time, HUD supposedly still wants to " audit '' the file but they will not delay the settlement as the audit is completed. 
XX/XX/XXXX date missed and unable to schedule another settlement date - the buyer has a gap in her employment history, therefore her existing loan is null and void. Why wasn't this discovered and addressed a long time ago? How is something as basic as employment history not addressed in the beginning stages of preparation for settlement? 

I am hoping that you are able to intervene and possibly assist him in closing this deal by XX/XX/XXXX. Not only is this a hardship on me, the seller, but the buyer has been on an emotional roller coaster as well. If I am unable to sell this property by XX/XX/XXXX, I will be forced to terminate this contract and rent the property. I have absolutely no desire to rent this property, but I can't afford to wait until Mr. XXXX  figures out how to do his job and actually reach a settlement on this property. When I told him I may have to rent it because I can't prolong this case any further, he actually had the audacity to suggest that I rent it to the buyer. What kind of pathetic loan XXXX would say something like that? Doesn't that go against your industry? Why purchase or sell a home if everyone should rent?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Sunday XX/XX/XXXX I received a call from M & T Bank 's Fraud Department advising me my checking account has a recent charge for {$41.00} and asked me did I authorized the charge. I advised no I did not and the representative stated the account will be close due to fraud, a credit would be given to me for {$41.00} and the {$39.00} overdraft fee would be waive, a new card will be sent, and I would also receive a form to complete to explain the fraud activity as not my own. On XX/XX/XXXX I received a letter stating the provision credit of {$41.00} would be deducted from my balance since I did not send in the fraud form. I did not receive any fraud form in the mail. I called again and a represent stated an email would be sent the fraud department asking them to send another form and not to deduct the {$41.00} from my account on XX/XX/XXXX. However the charge was still deduction and when calling on XX/XX/XXXX the representative said the {$41.00} can not be added to the balance on my account until the fraud forms are received. Its to my understand that when a person is notified by the bank of fraud activity the fraud charges are the customer 's responsibility and there is a 60day review time before a final decision is made. M & T bank did not give me 60days. They initiated the call since there system recognized the fraud activity yet I am being penalized for being a victim of fraud. I did not order any magazines not did I authorized any reoccurring charges on this account with M & T. Can some assist me with the matter. I am asking for the {$41.00} to be added back to my account.

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 2021-07-23
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint of any kind. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Transunion does not have any permission or consent from I the consumer to furnish a 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 2022-09-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My principal residence is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
On XX/XX/XXXX I obtained a HELOC for {$100000.00} from XXXX XXXX XXXX XXXX XXXX. Subsequently the loan was transferred to GMAC Mortgage. As a result of the XXXX Mortgage Meltdown I proceeded to negotiate a settlement of this account with GMAC. On XX/XX/XXXX GMAC accepted a settlement of {$30000.00} for the satisfaction of this loan as referenced in the enclosed letter and copy of Check # XXXX ( Exhibit A ) for purchase of XXXX XXXX cashiers check. 
I was notified by my Title Agent that currently PHH Mortgage is the holder and servicer of the note for this HELOC and that there was no Satisfaction of Mortgage recorded for same. 
On XX/XX/XXXX I contacted PHH Mortgage and spoke to manager XXXX # XXXX and requested the Satisfaction of Mortgage. 
On XX/XX/XXXX I received via email a copy of the note and the mortgage but no satisfaction of mortgage. ( Exhibit B ) The note that was produced is in the name of XXXX XXXX  and as such does not have the required Transfer stamp or Alonge to PHH. PHH has no rights to this note yet they claim that there is no satisfaction on record and offer no means of resolution for same. 
As previously mentioned this loan was settled in full with GMAC on XX/XX/XXXX and I am entitled to the Satisfaction of same. 
Recent title search attached. ( Exhibit C ) Mortgage Electronic Registration System records. ( Exhibit D )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have received late fees for not making on time payments since XX/XX/2019. However the due date was changed from the end of the month to the beginning of the month without my permission, and I was not made aware of this change. I have called about this issue, however never get a straight answer as to why it was changed. This is an illegal action under the CARD act if I am not mistaken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My account with Coinbase was locked after transferring money from my bitcoin vault to bitcoin wallet. I was not even sending bitcoin to a third party. I was simply moving my bitcoin in a way that would make it easier for me to monetize depending on what occurred regarding the potential hard fork of the blockchain surrounding the XXXX upgrade. XX/XX/XXXX - CoinBase locked my account. I created a service ticket that day and received an automated response. XX/XX/XXXX - I received another automated message from " XXXX XXXX '' asking if I was still experiencing my problem and to reply to the email with details/screenshots/error messages. I immediately sent an email with screenshots of the locked account message ( see attachment ). XX/XX/XXXX - After receiving no update, I sent a followup email.
XX/XX/XXXX - I have still received no additional communication from Coinbase and sent another followup email. XX/XX/XXXX - " XXXX XXXX '' from Coinbase support emails a mass email at XXXX XXXX that is not related to my problem whatsoever. It is evident from this email that no one from Coinbase has read anything I 've written them to date. XX/XX/XXXX - I catch up on email and read the email sent by " XXXX XXXX '' last night and sent a message back that his response was in no way helpful. I resend the screenshot of my locked account message. XX/XX/XXXX - I have received no communication since my last email on XX/XX/XXXX. I 've only ever received mass mailing communication from Coinbase support 's " XXXX XXXX '' Searching for examples of other people who have experienced problems with Coinbase, I discovered that many individuals have had their accounts unavailable for up to 6 weeks while seeking a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient is my service provider and I have been trying to get an income based assistance for over 2-years now and each time I attempt to apply for assistance I get pushed into a forbearance, which has increased my loan over {$2000.00} ; each time I apply for income based assistance I never receive the paperwork and then I 'm forced into a forbearance to avoid going into default. I do n't know where to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have paid my balance in full every month since I received my Capital One ( Venture/Quicksilver ) cards. In the past year-They have now started taking weeks to process the payments and then claim that the payment is late and charge fraudulent late fees and interest. I have called them numerous times to correct the issue-which they have always done in the past. When I called yet again today-I was told that they would no longer be able to refund the late fees & interest charges. I promptly closed both accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX - Spoke with XXXX, the office of the CEO at XXXX XXXX XXXX XXXX. Car was involved in an automobile accident on XX/XX/XXXX. XXXX deemed the car as a total loss on XX/XX/XXXX. XXXX tried repeatedly to contact XXXX XXXX XXXX XXXX  the week of XX/XX/XXXX and XX/XX/XXXX but XXXX XXXX XXXX XXXX  refused to provide any information to XXXX for payoff due to their procedures. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX  with XXXX representative on the line to obtain payoff information. XXXX released payoff with account number and VIN number as instructed on XX/XX/XXXX. As of XX/XX/XXXX payment XXXX XXXX XXXX XXXX  has not received payment and are threatening to report my account to the credit bureau even though XXXX delayed the check being sent by refusing to provide the information to XXXX and they have spoken to XXXX who also faxed a copy of the check, confirmed the information was correct and sent to the proper address, and there was a holiday. XXXX XXXX XXXX XXXX  refuses to place my account on hold until the payoff is received and is continuing to apply late charges and fees to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a HAMP loan modification inXX/XX/XXXX. Ocwen Loan Servicing just responded that they will not modify the loan because it was included in a Chapter XXXX discharge. I am willing to assume the loan, so this answer does not seem correct. Ocwen also said that they need a complete Family Transfer Package. I sent them a completed family transfer package in XX/XX/XXXX, and they acknowledged receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a modification, and my last payment for the trial payment was X/X/2017. After I made the required trial payments, I was sent the final modification documents. I signed the agreement and sent it back to the organization. When I called in I had a few questions about the terms. I asked about the deferred amount of XXXX, and I was told it was a balloon payment. I spoke to XXXX XXXX about the terms. I would told I had to pay the XXXX in a two year period. I advised XXXX XXXX that I was going to contact a HUD counselor to discuss the terms, as I did not understand her explanation. I contacted XXXX XXXX XXXX, and spoke to XXXX XXXX, who advised me that the modification was a good proposal. I contacted the bank to let them know that I had spoken to a counselor, and she was able to explain the terms. At that point, I was told my case was closed and the modification offer was rescinded. I did n't reject the modification. I had signed the papers and sent back the agreement. There should not have been any reason to close my file. I have the right to seek advice from a certified housing counselor, and I should not be penalized because I wanted assistance fromm a HUD organization. I have tried to dispute this issue and resolve with the bank to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Lost my Barclays Credit Card. The only way to get in contact with Barclays is through one phone number for ALL calls, which is encountering significant delays in answering the phone to report the card lost and to get a replacement card. Unable to get through to report the card lost and there is no option to cancel the card without speaking with a representative. No one is answering apparently due COVID-19. Barclays does not provide an e-mail, and can not use on-line banking without credit card / account number, which has been lost. Can not even get my account information without speaking with a representative, who are not available to speak with.

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 2022-06-11
Company: CBC Companies, Inc.
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:
This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Innovis does not have my consent to furnish a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
I am not an Attorney and or a Third party rep. I have a legal right to dispute anything on my credit report. Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CREDIT COLLECTION SVCS # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to CREDIT COLLECTION SVCS # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please remove all unverifiable and unauthorized information off my credit report or I will have File for litigation. I have been working on this for a while and I have not been updated.

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