BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-04
Company: LIMESTONE TITLE AND ESCROW, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I was told that there was a septic tank after I movied in I found water on the ground and it had sewer smell to it so we got to looking and following it and there it was a cv pipe in ground that some one had run over so we look to see were it went to cross my yard over in the field of the neighbor s down to the tree s on her land on the ground there was not any septic I had called the guy we got the house from he said dont turn it in to the county open a can of wormes to my friend this on the phone .I called the county guy he came out said he could write me up and fine me lot of money and get my neighbor to for letting this go on her land .so I called the mortgagee were we signed said I wanted to talk to there lawyer she would not call me back I got a hold of the guy that did inspection he got mad at me said he did his job I said no you did nt no septic no foundation the Door s want close on the bedrooms he built on .there cracks in the celling floors are bad I tryed all last year get help couldn t not get any were .laywers want talk to you with out want ed money to talk to you .one laywer I talk to said I been fraud but he be retied time it went threw .but he went over the paper work said I got lied to this is why I bet he did nt want me to get home inspection said there no sent he just had one done .this last year been  XXXX  for me when I dont get much money every month to fix this right .can t sell this home way it is.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: ID
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 has violated my rights. 

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 has violated my rights. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened an account with Lowe 's in XXXX while building my last home. In XXXX, my home burned and in XXXX I began the process of building another home in it 's place. After the fire, my wife fell and XXXX XXXX XXXX XXXX XXXX XXXX, requiring her XXXX XXXX XXXX and resulting XXXX. She was without income while awaiting XXXX for over a year, but I continued making my payments on time. I had no choice but to use my credit card often while building our new home due to the loss of her income. ( She was a XXXX XXXX for over 20 years. ) In XXXX, XXXX I had a XXXX XXXX XXXX XXXX XXXX, which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX due to a XXXX XXXX XXXX XXXX XXXX. I received XXXX at XXXX in XXXX, AL and have recovered from the left sided weakness. But, the cognitive damage was so bad that the psychologist for the XXXX recommended XXXX for me as well. Later, in XXXX XXXXSynchrony Bank reviewed my credit report and increased my APR from XXXX % for all purchases prior to XXXX/XXXX/XXXX to XXXX % for all purchases after this date due to a high debt-to-income ratio. My wife and I inquired about the increased APR and were informed the change was based on my credit report. We requested a decrease in the APR due to the extenuating life circumstances we encountered over the past few years and were denied, even though we were never late on a payment. The last denial of this request was XXXX/XXXX/XXXX when we asked for a decrease in APR again, explaining the payments are ridiculous with a XXXX % and XXXX % APR. The " Totals Year-to-Date '' provided on my statement reflects {$2900.00} in interest charged in XXXX. When asked if " any '' assistance/forgiveness was available if we provided our medical records, we were told " no. '' We plan to have our debt consolidated when possible, pay our XXXX XXXX account in full and then close the 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 2017-02-17
Company: Oakridge Direct Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Oakridge is the company name. All threats are about legal actio. It 's a male calling someone else and me but wo n't disclose any information he just threatens me. Listed phone number is  (   XXXX   )   XXXX . He never identifies himself. He is extremely rude and says he 's going to do a lien and law suit. Says he will see me in. Putt but had been doing this for a year now and I still do n't have any idea why. It 's ridiculous.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed incorrect items on my credit file several times asking for validation and verification, however the only response i 'm receiving is that it was verified. I responded with a certified letter requesting how was this incorrect information verified and to please send me the documents, the name and phone number of whom it was verified through. I even went to the courts whom stated they had no record of public record for me and that they do n't report to credit bureaus. Equifax is the only company reporting this on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONVERGENT OUTSOURCING is showing on XXXX  and XXXX credit report falsely as ofXX/XX/XXXX, date opened XX/XX/XXXX, account balance {$420.00}, last reportedXX/XX/XXXX. ALL INFORMATION PROVIDED IS FALSE!

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 2017-08-28
Company: Ditech Financial LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filedXX/XX/XXXX ( one for each mortgage company ). I received a response from XXXXXX/XX/XXXXstating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to XXXX each month. 

I would like the history corrected for both mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Monterey Financial Services LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
They were servicing a loan I had through XXXX XXXX. My payments came out on the XXXX of every month regardless of what day of the week it was. On XX/XX/2019, I noticed that the money had not been removed from my checking account and went to Monterey 's site to check my account. My account was shown as overdue in bold red lettering. The payment amount should've been {$190.00}, but the total balance on the account was {$300.00}. To just put an end to the situation, I paid the full amount of {$300.00} plus an extra {$10.00} fee for making a non-scheduled payment. On XX/XX/XXXX, both the scheduled and non-scheduled payments went through, and I have overpaid {$190.00} total. I contacted them by phone and they told me the account would remain open till I had been refunded the overpayment. A week later, on XX/XX/XXXX, I still hadn't been returned the money and they closed my account anyways. I contacted them before I left for work via email and was responded to with an apology and promised they would put it in. This was an obvious lie because on XX/XX/XXXX I still hadn't received the funds. I again contacted them via email and informed them that I was going to seek legal counsel through my Union 's legal service department. They responded with another blatant lie that my account was credited the full amount on XX/XX/XXXX and should show up within 24-48 hours ( if that were true I basic math would suggest I already had it ). The lawyer I spoke to suggested I break any further contact with them directly and to file a complaint with the CFPB and update him at a later date if still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
these two accounts XXXX XXXX acc XXXX and chase cards acc # XXXX, are reporting one delinquency negative mark on each account. i have already received the creditors letter for which they have approved to remove the inaccurate information from my credit reports and they have approve to have all the credit agencies to remove this inaccuracy. 
please help me to resolve this issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Short sale approval received from XXXX, loan servicing moved to Specialized Loan Servicing for the XXXX loan number XXXX and the XXXX loan number XXXX. SLS called me XX/XX/2017 to reduced the documentation required for short sale on the XXXX loan because of the homeowner 's chapter XXXX bankruptcy filing. However, SLS has recently cancelled short sale approval on the XXXX loan.

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 2017-04-10
Company: Rosebud Economic Development Corporation
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Out of sheer desperation I applied for a {$500.00} loan XXXX/17. 
I had no knowledge that with each payment only {$10.00} would be applied to the actual loan. As of today I have paid {$690.00}. I called this company @ XXXX and requested they stop coming out of my checking account. I asked this because it is impossible to pay them off without detrimental to my finances. I was hun up on.

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 2017-08-28
Company: Santander Consumer USA Holdings Inc.
State: PA
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 have inquiries on my report that I did n't authorize. I called trying to get them off and no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off a checking overdraft line of credit in XX/XX/2019 but Pentagon Federal continues to report it as over the credit limit and late for over a year through today. I attached a communication from XXXX XXXX at Pen Fed acknowledging that the account had been paid off in full. PenFed never sent me notices that any amount was owed for this account. It has literally destroyed my credit score. There have been dozens of communications in prior years for them deliberately reporting false negative information and I can not get them to stop. It is deliberate  and based on situations and information I charge it to be pure XXXX. I plan to file a separate formal race discrimination complaint. I also filed a complaint with the company, its supervisors and NCUA. Please make them stop immediately and hold them accountable

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 2022-03-07
Company: EQUIFAX, INC.
State: MI
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:
Equifax has failed to remove inquiries from my consumers credit report. Equifax did not / do not have permissible purpose. I did not give Equifax my written permission to report anything to my consumers credit report. 
Ive been reaching out to Equifax via mail/ certified letter with a return receipt to ensure that Equifax is receiving my demands. As a consumer and according to the USC LAWS, I have a right to privacy. Equifax has completely ignored the law. Equifax has also violated their own rules. As a consumer, I am the only one who dictates what goes on my consumer credit report. Equifax is also committing aggravated identity theft! Equifax goes through a third party and take information from that third party and report it to my consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I spoke with representatives from Monterey Collections on XX/XX/XXXX who are charging me outrageous interest and fees on a sold account from XXXX XXXX XXXX XXXX ( XXXX ). Rep XXXX and another employee threatened that the account would be referred back to XXXX in order for legal action to be taken against me. I then requested the contact information for that legal department in order to assure that legal action would be filed seeing as it has been a difficult process working with this company and XXXX. I was denied the information of said threat. On XX/XX/XXXX I contacted both original debtor ( XXXX  ) and finance company ( XXXX XXXX ) who both stated the status of account was Servicing transferred ( sold ), the original amount {$4600.00} received a payment of {$110.00} as of XXXX XXXX ( last payment ) of which was a result of a loan modification on which XXXX defaulted on, and the maintenance was stopped/forefeited on XX/XX/XXXX. This company is consistently in violation of FDCPA rules/guidelines. They are reporting erroneously on my credit report falsified information and have threatened to take legal action of which speaking with rep XXXX from XXXX and XXXX XXXX XXXX there is no such legal dept that Monterey Collections is able to continue threatening me with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 i have sent in disputes to XXXX  and transunion and i have not got a reply from each one of these companies. this is a violation per FCRA.

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 2022-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after 7 yrs and any debts were passed statue of limitations and were considered time barred debts and in after 6 yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past 7 yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
InXX/XX/XXXX, a transaction in the amount of {$100.00} was processed to my credit card without authorization - from Coinbase.com. Coinbase had my credit card information on file from purchases of bitcoin made inXX/XX/XXXX, but as evidenced from security logs showing logins to my account, I clearly had not authorized this purchase. Furthermore, the bitcoins that were purchased for {$100.00} were soon after transferred from my account to an unknown bitcoin address. 

Since I was unable to find any contact information for Coinbase, I called my credit card company ( XXXX XXXX ) onXX/XX/XXXX to let them know of the unauthorized transaction. A dispute was filed and sent to Coinbase and is currently pending. However, instead of accepting that this case may be a fraudulent transaction, Coinbase conducted another transaction from my credit card in the same amount, {$100.00} onXX/XX/XXXX. I contacted XXXX XXXX again today,XX/XX/XXXX, to dispute this new transaction. 

Coinbase 's security logs show that I did not login to my account inXX/XX/XXXX, orXX/XX/XXXX, and that I could not have possibly authorized these transactions. 

Additionally, {$60.00} in bitcoin had been sitting in my Coinbase account since my authorizedXX/XX/XXXX purchases and were transferred out of my account on the same day that the total bitcoin from the first order was removed from my account - and it was sent to the same bitcoin address. 

I believe that Coinbase has knowingly and intentionally removed funds from my credit card account without authorization twice, and transferred bitcoin from my Coinbase.com account to a private bitcoin address, likely owned by a Coinbase employee. Coinbase intentionally makes it difficult for their users to contact them and provides no way to do so through their website or phone lines. XXXX XXXX informed me that even Coinbase.com 's vendor file has no phone number attached - meaning Coinbase operates with a high level of privacy. Add to that the difficulty of tracking bitcoin transactions, and an incentivized and lowly-regulated company would have an easy time taking money from its customers. 

I appreciate your time and hope that the CFPB will investigate Coinbase.com for these two unauthorized transactions, plus the transfer of my personal bitcoin funds to an unknown bitcoin address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi- I signed up for a Capital One card lastXX/XX/XXXXon a 0 % for 12 month rate. 12 months has passed, my credit score is XXXX ( pretty good ) and they are charging me 23.99 % interest. I called about it and was given a bunch of mumbo-jumbo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Pacific Rim Alliance Corporation
State: WA
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have the rights for privacy 15 USC 1681 section 604 A section 2.

It also states a consumer reporting agency can not furnished 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 purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation