BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 I close my mortgage loan with Rocket Mortgage. They told me since I had under 80 % loan to value that the PMI insurance would be removed once the loan was booked and loaded onto the system. 
When I asked them to remove the PMI they told me that they could not. 
This was my concern at closing and I did not want to close the loan with that insurance on it, but they reassured me that it would be removed once the loan was on their system. 
The day before closing I also received calls from personal cell phones. My guess is because they did not want to be recorded. I want the PMI insurance removed from my loan and I would like the money that rocket mortgage has been taking from me to be given back. They say that my loan to value is 93 %... They are being deceptive with that number. My appraisal was $ XXXX and I close the loan at $ XXXX which makes my loan to value around 73 %. 
I am stuck in this alone now and I can not refinance because the rates have gone up and it will cost me thousands of dollars. I just want them to take this off the loan as they promised and return the money that they have been taking from me since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I initiated a purchase of XXXX ETH for {$1000.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My ethereum should have arrived by the end of day on XXXX XXXX, XXXX XXXX. I also initiated a purchase of XXXX BTC for {$910.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My bitcoin should have arrived by the end of day on XXXX XXXX, XXXX XXXX. Nothing has arrived. I have tried to contact Coinbase but I have not received any support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans more than 10 years ago for PSLF. I have made payments for 11 years under a income based repayment plan. I have certified my employment with the same employer, the State of Ohio government, every year. Fedloan servicing decided they will not certify my employment for a period of time in the middle of my tenure at the State of Ohio, even though I have submitted certification for that time period multiple times as recently as XXXX. This has stopped my from getting PSLF discharge for more than a year. I have tried to straighten this out over the phone, they recognize there is a problem, but then do nothing to fix it. The two loans are consolidated and I make one payment per month, but somehow there are different payment counts on the two loans. I don't see how this is possible. I have documentation to back up my claims. I am fully eligible and have been for over a year. They refuse to discharge my loan or give me credit for my payments made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out 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
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 non-monetary relief
Consumer complaint received 2022-12-07
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-27
Company: EQUIFAX, INC.
State: MI
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:
I am the victim of identity fraud. I have informed the credit bureaus previously, and they respond with " verified ''. 
The following accounts are associated with identity fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CURO Intermediate Holdings
State: IN
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, XXXX Dept. Of Labor Unemployment Division sent a direct deposit to my Cash App account in the amount of {$290.00}, which, due to the financial institution 's computer error, was sent back to the government office it was issued from. As a result I contacted the company, and the response was the money will be sent back to Unemployment and they gave me a {$20.00} credit. I asked them to extend a line of credit or to compensate me for failed transactions and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. 
In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the following : CB/VICSCRT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I asked was the debt sold to a collection agency. The debt collector was tryng to coerce y child a minor into paying the debt. She is XXXX. I tried to work out the details of the debt to pay it and she refused and told me I better pay up or she will ruin my credit. I want the debt removed from my credit and ill pay for deletion on a negotiated amount.

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 2022-12-30
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe XXXXXXXX XXXX ANYMONEY ... They had a eviction hearing and within the hearing the judge REMOVEDme from the case because l NEVER lived there. The court sent me a copy of the summo s taking my name off and l called XXXX XXXX XXXXXXXX court and the clerk confirmed l was removed and no judgment was on me. I spoke to a rep at THUNDERBIRD COLLECTIONS and they were dis respectful and RUDE.l told them l don't owe this place any money and there is NO judgment in my name. The un professional worker just proceeded to argue with me and hung up in my face. L just checked my credit and THEY ADDED IT TO MY CREFIT AS AN OVER XXXX JUDGEMENT and ruined my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2022 I successfully completed the mortgage modification process with Midland Mtg/Division of MidFirst Bank and I made two payments of the new modification dollar amount of XXXX. I sent the completed paperwork back to Mldland Mortgage and I even called Midland and spoke with a rep before completing the paperwork to make sure I had done everything accurately. I mailed it back and called about one week later to make my third modification payment and was told my plan had been cancelled because the notary that signed it was licensed/authorized in IL not IN. No one told me the notary had to be IN because the property is located in IN. This specific rule is NOT listed on the instruction sheet I received for the modification paperwork. Now at this point I did request the have the papers sent to me again so I can correct this and was told ok, I waited five days called back and was told foreclosure proceedings had been started against. Now my credit file is ruined, has dropped over 50 points and court papers have been filed. 
This company gave me misinformation which caused all of this and it did not provide me with clear and accurate instructions. The harm caused here is serious to me and my family and my future.

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 2022-08-03
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attached an FTC report with inquiries I did not authorize. There is also an account from XXXX XXXX XXXX XXXX and I do not have a loan with them and it is showing on my credit 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 2022-08-03
Company: USCB Corporation
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've never applied or attended XXXX XXXX account isnt mines.

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted all of my paper work to stop foreclosure of on my home and was unable to get any assistance. I had to file XXXX in 2008 to keep me and my kids from being put out of my home when i was not advised about the arm mortgage. I submitted all the paper work for months and they kept saying they didn't receive anything from 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 2022-09-30
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My old apartment complex XXXX XXXX XXXX prematurely sent my account to collections prior to finalizing their account statements in XXXX. I recieved a collection letter on XX/XX/2022 and this collection was reported on my credit report soon after. 

On XXXX XXXX, 2022, I recieved a final account statement from XXXX XXXX XXXX indicating that I hada XXXX balance with them, after they went through all of my deposits and credits to the account. 

The damage was already made to my consumer report months proir and it cause my credit rating to drop dramatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Marcus about them closing my high-yield savings account without any explanation. I called and they said they can't tell me why, but have locked my account and I haven't been able to log in to transfer my savings. I called on XX/XX/2022 and can't get an answer why. 

I had this problem with a credit card in the past issued by XXXX XXXX, where I have good credit and paid my balances off in full ( no late payments ) and they closed my account without reason or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote up a letter to Portfolio Recovery Associates for verification of the current debt ( {$4000.00} ) they have listed on my credit report. I sent this letter on XX/XX/2022 by certified mail to XXXX XXXX XXXX. XXXX, VA, XXXX. Today is XX/XX/2022 and I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and updated as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ALDOUS AND ASSOCIATES called me 1 year ago, to charge me the gym XXXX  membership, which I had canceled 2 years ago, and had filed a complaint with the bank, because XXXX continued to collect the monthly payment after I retired. When ALDOUS AND ASSOCIATES call me they threaten to send me to the collection if I didn't pay, even though I explained my case. We agreed that he would pay {$190.00} and that they would not comply with his threat to send me the collection. 1 year after paid, they put me in the collection and hurt my credit. I called them and the secretary told me that even if I had paid, they put me in and don't plan to remove him. because they don't want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: MO
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 submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO 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