BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Emergent Business Group, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have affirmed as a matter of fact that a representative of Emergent Servicing attempted to collect a debt by dialing my number and spoke to me at a time that was inconvenient to me. On this recorded call the debt collector violated my consumer rights pursuant to the FDCPA codes listed here : 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692c ( a ) ( 1 ) 15 U.S. Code 1692b ( 2 ) Emergent Servicing is in possession of my affirmation, Exhibits and an invoice as I continue to enforce my rights as a consumer.

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: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( PennyMac ) is overcharging us interest since we make extra principal payments. They started only applying our payments on paper, but the interest stopped going down until the following month after a I made the payment. On XX/XX/2022, my balance was {$470000.00}. We should have been charged {$880.00} on XX/XX/2022, but they charged us {$880.00}. Our interest rate is 2.25 %, and our note says our bill is due on the XXXX. Our balance on the XX/XX/2022 was {$470000.00}. Their math on my statements is no longer adding up since for the last 3 months. They said I make extra payments they are splitting my interest now. They are charging me monthly, and holding my extra principal for a month unless I pay it on the XXXX of the month and lose my 16 day grace period. This is their new policy that started 3 months ago if you make extra principal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: WV
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. 
I called XXXX  and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage is overcharging my escrow account and is refusing to refund the overcharges. 
They have overcharged my account for the month of XX/XX/2021 by {$110.00} and this is just another abusive practice. 
My monthly PMI is {$110.00}. My yearly PMI is {$1300.00}. The year has 12 months. According to United Wholesale Mortgage, the year has 13 months. PMI is applied twice for XX/XX/2021. 
Please see enclosed evidence. ( they charged {$1400.00} for XXXX PMI instead of {$1300.00} ) I am being constantly abused and lied by this company. 
I live in fear having them to administer my Escrow Account. Every letter/notice from them contains errors as answers to requests to correct errors or Errors to justify unjust enrichment. 
Refund immediately please and STOP the constant abuse! 
The " errors '' you constantly make are used as weapons to create emotionally distress/abuse. 
Please STOP the abuse and the obstructive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Experian Information Solutions 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:
Experian has bee reporting false account information against my FCRA 15 USC 1681 rights. I have disputed multiple times and even mailed in documents and they still have refused to remove and delete this information. 

I had a mortgage that was with XXXX XXXX. XXXX XXXX sold the loan to XXXX   XXXX and both are the same loan account reporting. My last payment to XXXX was XX/XX/XXXX and according to 605 15 USC 1681 ( a ) ( 4 ) any account older than 7 years should be removed. On XX/XX/XXXX Experian erased the pay history payment information to allow the account to remain on my account. Experian also erased the Credit Limit amount and other key account details in order to keep XXXX on my account also. 

Experian also changed information on the XXXX XXXX account around with out deleting the account due to FCRA violations. When I asked them to investigate and remove this account Experian also changed the payment dates and amounts around in order to let the account remain. 

The XXXX XXXX and XXXX XXXX account have violated many rules according to the FCRA these are reporting incomplete and inaccurate in many ways and should be deleted immediately. 

FCRA VIolations 606 15 USC 1681 ( a ) ( 4 ) 606 15 USC 1681 ( c ) 606 15 USC 1681 ( e ) 606 15 USC 1681 ( d ) 611 15 USC 1681 ( i )

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 2015-04-28
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I recently received a notice stating that the owner of XXXX XXXX is being sued for " using illegal tactics to induce students into taking out private student loans ''. I graduated from XXXX XXXX in XXXX, California, in XXXX of 2014. In XXXX 2014 I found out that my XXXX. I was not able to use the job finding services that XXXX offered. And now I find out that they have shut their doors for good. I do not feel that it is right for me and my other classmates to have to pay all this money for student loans for services we ca n't use. For example, getting help with resume writing, looking for a job, and for us XXXX, we had the opportunity to go back to the classroom to refresh our XXXX skills and other XXXX functions. 

I have XXXX student loans, XXXX through Genesis Lending which I believe they are a rip off and the other was through the Federal Loan however is now through the Department of Education through a third party. I still have not gone back to work, however will be going in for my XXXX in a week then I can be released to go back to work. This was my XXXX time getting XXXX and I feel this would be XXXX less thing for me to worry about. Having to pay for a school that is no longer there or in financial termoil. 

My loan was XXXX of them that qualified for the deduction however it was not the 40 % I was told it would be in my letter. I hope that this gets straightened out soon. Again I am disappointed that this is happening, I had no problem with my teachers at XXXX College, but the financial department was really no help and I felt like I was being talked to in circles. I feel like once I signed the paperwork to attend XXXX College, I felt like I was just another number and left feeling things were unresolved. 

Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX XXXX we contacted Wells Fargo to refinance our mortgage to a lower interest rate. 
On XXXX/XXXX/XXXX I notified our loan agent, XXXX XXXX of our XXXX/XXXX/XXXX " signing '' appointment with XXXX XXXX at XXXX and told XXXX that the papers indicated that {$970.00} was going to XXXX. I asked how to fix this as we have XXXX and the annual premium had been paid out of the original mortgage escrow account on XXXX/XXXX/XXXX. 
Neither XXXX nor XXXX showed for the signing appointment. Immediately after we signed the documents, I again contacted XXXX to tell him the error had not been corrected and ask again what we need to do to fix it. He referred me back to the title company and they referred me back to Wells Fargo. 
Wells Fargo has been putting us off over and over again ( almost 5 months now ) and still will not provide us a " closing disclosure '' that reflects the correct distribution of the {$140000.00} that we now owe them. 
XXXX XXXX has not returned any of my calls or responded to any of my email inquiries since XXXX/XXXX/XXXX when he forwarded a response from the title company with a new " final statement '' document ( which indicates the total loan amount as {$140000.00} ). That document also states " This document is not intended to replace the " closing disclosure form. '' On XXXX/XXXX/XXXX we received an amended " closing disclosure form '' from Wells Fargo which is still wrong and still indicates {$970.00} to XXXX! Since XXXX/XXXX/XXXX we have been trying to get the corrected document from XXXX XXXX at Wells Fargo Customer Care and Recovery. The last contact with XXXX was by telephone on XXXX/XXXX/XXXX indicating she still had no answer for me and had no idea when she would. 
We just want to know where that {$140000.00} really went. And it is tax time and we need to give the right information to our tax preparer. The longer this goes on the less we trust any documents we get from Wells Fargo. 
There are many more issues on this document - not just the {$970.00} homeowners insurance to XXXX which is the most glaring error. 
Can you help us to get a corrected " closing disclosure form '' from Wells Fargo that indicates where this money really went?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I did file complaint XXXX and I am not happy with illegal action from Welles Fargo Bank and their lack of response. the facts about the case as follow:1- I had owned a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold on XX/XX/XXXX. the loan on the property was with XXXX. 
2- The line of credit balance at that home at the time of sale was XXXX3- In XX/XX/XXXX Welles Fargo Bank reported me that I still own the home and Foreclosure started due to the Line of credit was not paid. This all False informations4- I did sent the Settlement statement to Welles fargo which indicated that I sold the home in XX/XX/XXXX and Pay off proof from the Title company but they still insist that I own the property and what they reported to the credit Bureau is correct. 
5- I asked Welles Fargo Bank to show me any evidence indicate that I still own the Property and if they have any evidence that the line of credit balance at the time of sale. they are not showing any evidence and they do n't wants to admit the mistake. What Welles Fargo bank is doing with lack of communications and not providing any documented evidence is Illegal.I had called them and left multiple voice mail followed by multiple faxes with no response. 
6- It is a public recored which show that I sold the property in XX/XX/XXXX. and there is no evidence from XXXX XXXX /Welles fargo that the line of credit at the time of sale has any unpaid balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I used citibank diamond preferred master card credit card for making paying towards XXXX to bureau of XXXX on XXXX XXXX, I also make payment of amount XXXX dollars towards my internet connection provided by XXXX The citibank fraud department disputed these charges the XX/XX/XXXX without my authorizational and didnt not contact me or seek approval regarding this dispute at all. It should be consumer who need to initiate the dispute. 

As a result XXXX was declared void and I received a letter in XXXX from the bureau of XXXX to make the payment plus XXXX dollars file because earlier credit card payment was disputed and refunded. The method of payment needed to be personal check or cashier check. I make the payment via personal check of amount XXXX . 
In XX/XX/XXXX the citibank for some reason make the payment of XXXX dollars to Bureau of XXXX, this also without my permission and I happen to know about this by finding this transaction in my XXXX statement. Now, there is double payment to the Bureau of XXXX. 

The citibank is consistently avoiding to resolve this issue and trying all the delay tactics to not to recover the amount. This include blaming me for this fiasco and not accepting their mistake, forwarding the case to citibank investigator. The whole issue is created by the citibank and I have not role and input to their actions. I need help resolving this issue The citibank was wrong in 1 ) disputing the charge the first time without my authoirization 2 ) Keeping me in the dark during this dispute process and not seeking my approval 3 ) Making the payment on XXXX XXXX on my behalf without my approval and without notifying me 4 ) Delaying the reversal of this payment as I didnt authorize this payment. I authorize the XXXX XXXX payment which the citibank disputed on its own As a result I have to exprience 1 ) Fine for late payment and have to write XXXX $ ( XXXX plus XXXX dollar fine ) 2 ) not been able to make payment to the comcast by credit card and have to make cash payment in person 3 ) force to pay XXXX dollars as a result as the citibank is not interested in recovering the amount which they paid without permission. 
4 ) I was forced to take immediate action to avoid voiding the XXXX license because of citibank disputing the charges. and not letting me know that the payment is reversed 5 ) Massive frustration because of citibank delayed tactics. i send the personal check copy as proof of payment three time before the acknowledge receiving it ( as an example ). Any phone call to them starts with their no knowledge of this issue. 

the citibank does not appear to acknoledge their mistake and doesnt appear to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: Harley Davidson Financial Services Inc
State: CA
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:
XXXX  IS THE ONLY BUREAU THAT IS REPORTING THE INCORRECT BALANCE ON THE HARLEY DAVIDSON ACCOUNT ON MY CREDIT. THIS NEEDS TO BE RECTIFIED OR THE ACCOUNT MUST BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a phishing letter representing themselves as Wells Fargo. They indicated my deposits did not go through. They listed a number which I called and they obtain my personal info such as ssn and dob. On follow up with my bank, they had no records of this account. The number used was 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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Unauthorized Use Of 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 explanation
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I do n't understand why I am still paying for a student loan when the school closed. I was told if I did not continue they would garnish my payroll check or take my taxes. My loan is through Navient Department of Education Loan Servicing. I already have other student loans I am paying back but would like for them to take off the one from XXXX. I hear they have changed their name to XXXX. I was enrolled in XX/XX/2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX I was alerted to someone trying to hack my account. After repeated attempts to change my password, I tried to get Coinbase to lock my account. I later learned that {$5000.00} was taken from my bank account as well, but that was recovered by the bank. I sent Coinbase several emails trying to get assistance recovering the cryptocurrency I had, with no reply. It is approximately $ XXXX {$700.00}. There is no other way to reach someone other than email. I have copies of all communications sent to them from the moment I feared I was being hacked.

Company response to consumer: Closed with monetary relief