BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Selene Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 a foreclosure sale was scheduled in XXXX XXXX Missouri. The sale was postponed to XX/XX/2019 and the sale did not happen. According to court records filed in XXXX XXXX Missouri Case Number XXXX XXXX XXXX stated and on his attorney letterhead that he purchased the property on XXXX, 2019. Then on XX/XX/2019 XXXXXXXX XXXX XXXXXXXX  filed an Accomadation Deed that XXXXXXXX XXXX XXXXXXXX XXXX with the address of XXXX XXXX XXXX Missouri purchased the property on XX/XX/2019. The address of XXXX XXXX XXXX Missouri belongs to XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX is registered with the State of Missouri of having an address of XXXX XXXX XXXX XXXX Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a synchrony/ amazon card that I have had and used monthly for a year now. I paid my card off in XX/XX/XXXXand did not use it at all in XX/XX/XXXX. XX/XX/XXXX I did use {$150.00} on that card with a payment due date of XXXX XXXX 2017. I went to make a purchase of {$40.00} last night using my amazon/synchrony card and it denied. I logged into my account and noticed that I had {$1.00} available to spend and my credit limit was {$160.00}!! They decreased my credit limit to just above what I owed on the card. I checked my credit score and Synchrony doing this made it look like I had maxed this card and dropped my credit score by 50 points! No letter or phone call that this was taking place. I have 3 other synchrony based cards that are all in good standing so I am confused as to how they can do this to people? I have had no late payments on my credit report or maxed cards which I know they will try to push. Not the case

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 2017-08-30
Company: EQUIFAX, INC.
State: TN
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:
My
name is XXXX XXXX XXXX. I have a twin brother by the name of XXXX XXXX whose information is appearing on my report. I have contacted the credit bureaus : XXXX, XXXX, and Equifax to resolve the matter. Equifax submitted the dispute but responded that all the accounts belonged to me which is not true. Equifax has refused to use documents from the creditors to support my dispute. Equifax has also blocked my file permanently so my employer has been unable to pull my credit to make me eligible for my securities license. Since I ca n't get my securities license, I can no longer be an Agent with XXXX. I 'm also unable to close on my home. I did not renew my lease so XX/XX/XXXX, I 'll not only be jobless but homeless.
My mother died after giving birth to my brother and I. Luckily she named us similarly because we were separated and adopted by different families. She was a drug user so the cause of death has n't been fully explained. We have no idea who she is.
My brother and I not only have different names but different social security numbers as well. I would greatly appreciate if you all would request that Equifax remove the files from my credit report that were not only deemed fraud back in XX/XX/XXXXbut also remove the items that are attached to my brothers SSN.
I also believe that they purposely and maliciously disputed information in my brother 's name so that all accounts could and would be verified. The reason why I feel this way is because all of my brother 's creditors are sending him letters to MY address in regards to a dispute. My brother did n't dispute the information so why would the letters say XXXX XXXX instead XXXX XXXX XXXX if I 'm the one who requested the dispute via Equifax? Refer to the document attached labeled XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MD
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. XXXX 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Applied for a Macy 's XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.

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 2020-02-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount the company is telling me I owe is incorrect and therefore can not be reported without being able to verify the debt owed is correct, the only for them to know the debt owed is correct if for them to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX XXXX  XXXX XXXX to pursue collection and their licensing number, that I am requesting from the company before reporting it as verified and mine. I have requested Pro-Collect Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents. 

If they are unable to provide the full contract and explain why they have charged a reletting fee of {$2600.00} when in the partial contract they sent me says a reletting fee is {$1100.00}, then they are unlawfully reporting this debt!

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 2021-04-14
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, its been 30 days or more for this fraudulent account reporting and the only response I received was debt verified. I want to know who verified the debt? By law in 30 days or more the debt is suppose to be remove if not verified by the lender. I want to see signatures stating that I got the auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
sent in all paper work and then company is unresponsive months it has gone on the loan officers child is sick and she claims to have sent it to superiors who are either on vaca or just never respond

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 2022-08-16
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 am a natural person, I am a living human being I have rights un 15 Usc 1681 and Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below to removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Dept of eduXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted paperwork several times and keep getting asked for the same things. Attached is a name affidavit, the letter for the name, hud-1, and the utility bill with correct name and address. Please let me know what else is missing the Buyer is getting impatient and this is taking forever to get an approval letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In continuation of complain XXXX, I submitted a complain to CFBP, and I am confused that TD has closed my complain without resolving it completely. TD failed to either deliver the funds to benificery nor do they refunded it to me. No confirmation were provided by TD about the availableity of funds. Unfortunately, the funds are still not available to the benificiery and TD has closed the complain without a complete resolution. 
I have been working very actively on it as always. What I could learn that TD has opened up a recal which limits the availability of funds to the befinciery and even at lapse of 2 weeks they could n't cancel those re calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Federal Student Loans are still in pandemic relief status, however Navient, my servcing company tells me I have missed a payment and charges me an {$8.00} fee. I have paid this loan throughout the pandemic, but in XXXX, I was unable to make any payment, which should be my option at this time. However when I log in I get a message that I still owe money and there is the above amount added to my account as a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX 2017 I contacted Wells Fargo corporate office by phone. Explain to the representative that I wanted to deposit my promissory note for a mortgage. The representative informed me that Wells Fargo does not accept promissory notes. I am formed Wells Fargo representative that it was against Universal commercial codes  law and also against the laws governing legal tender for a financial institution not to accept promissory notes from the public. This did not matter he proceeded to insist that Wells Fargo did not accept promissory notes implying that they do n't follow Universal Commercial Code laws which fall under the umbrella of Maritime admiralty law. I asked to speak to his supervisor he told me that someone would be in touch with me within 72 hours and he took my information down. So on XXXX XXXX 2017 a Wells Fargo representative by the name of XXXX XXXX call me back. He proceeded to inform me that Wells Fargo does not accept promissory notes but they produce their own promissory notes that the public has to accept. I am informed him of the laws governing promissory notes legal tender and the universal Commercial Code laws that apply he also insisted that they still do not accept promissory notes from the public again implying that Wells Fargo does not follow Universal Commercial Code laws. 
Here are references for the laws governing promissory notes ; Tender in terms of the Negotiable Instruments Act, 1881 : Public Law 73-10, Chapter 48, 48 Stat 112 ; U.C.C. Article 9 ; 31 U.S.C.
5118 ( d ) ( 2 ) ; 31 U.S.C. 463, Public Law 97-258 ; U.C.C. Article 4, 302 ; 12 U.S.C. 411 ; Securities Act 2 ( 1 ), 3 ( a ) ( 3 ) ; Congressional Statutes at large Title 62 ; Positive Law ; 31 U.S.C. 5312 ; U.C.C. 2- 304 ; 12 USC 1813 ( L ) ; Public Policy AND settlement in terms of the United States Supreme High Court of Justice Rule 45.

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 2022-08-16
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:
On XX/XX/2022 I sent a hand written letter via certified mail to Equifax disputing the three charge-off, credit card accounts ; because they are being reported past the time that they need to be reported on my credit. I requested to have them removed immediately, as other credit bureaus have removed these same account from my credit report already. I received a response with a letter dated on XX/XX/2022 refusing to remove two of the accounts. This is not in alignment as my other credit reports no longer have these accounts reported, and its illegal to report and beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX - failed to process income based repayment application loan interest capitalized XX/XX/XXXX - updated income for income based repayment plan. incorrect calculation. 
XX/XX/XXXX, corrected income calculation. Counted as lapse in payment plan - capitalized interest XXXX in interest. restarted clock on time payment forgiveness. 
XX/XX/XXXX, XXXX submitted income based repayment plan renewal form and income information. XX/XX/XXXX, income based repayment plan expired, interest capitalized {$12000.00}. restarted clock on payment forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ocwen loan account # XXXX XXXX XXXX I am unable to log in or receive my year-end tax information for 2019.

The company with my information was Ocwen loans now the website is PHH mortgage questions.

I have followed the website information.

I talked with a rep. at PHH mortgage ( unable to locate information ) Forgot password and user name.

called with account information through the automation system.

I need my 2019 tax information to complete my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2017 I opened coinbase ( https : //www.coinbase.com/ ) account to start investing in crypto currency. 

Then I submitted XXXX separate transactions for {$3000.00} each on XX/XX/XXXX and XX/XX/XXXX and only those XXXX transactions were authorized by me. 
Later I looked at the history of my account and there were XXXX transactions to coinbase account {$3000.00} each instead of XXXX! 
I went to XXXX XXXX Bank and cancelled these XXXX transactions. 

I never authorized the other XXXX transactions that coinbase shows took place in my account from XX/XX/XXXX to XX/XX/XXXX. 

To be clear, my XXXX XXXX account should have only had XXXX transactions for a total of {$6000.00} and I should have roughly XXXX litecoins. 

When the unauthorized incorrect transactions were reversed, only the unauthorized transactions should have been reversed. Looking at my account it seems my litecoins were taken from my account sold at the current market price on XX/XX/XXXX to recoup the loss on the unauthorized transactions initiated by coinbase and not me. 

I asked litecoin company XXXX litecoins be returned to my coinbase account. It is not my fault that coinbase wrongfully created additional transactions and it is not my liability. 

Instead of that they closed my account where now I see XXXX Litecoins remaining Instead of XXXX. 

I am upset at the way this business was conducted and seems completely fraudulent in nature. 

Please make an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NV
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 recently requested the credit bureau do a verification of accuracy on a few accounts. they completed the investigation and stated the information was accurate. I decided to do a thorough research and found improper inaccuracies after their investigation. In accordance with the FCRA these creditors have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SEC 602 A. States I have the right to privacy 15 U.S.C 1681 SEC 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: WI
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:
I had a mortgage loan with XXXX. I have paid off most of the loan on XXXX of 2022 ( {$47000.00} ). There was {$290.00} left to pay for interest. The mortgage statement from XXXX, XXXX, XXXX and XXXX stated that {$0.00} is due. I have statements that show {$0.00} amount due. XXXX however stated that my payment was delinquent and that there was {$290.00} due on XX/XX/XXXX ( despite the amount being {$0.00} on the statements from them ). I did end up paying the above amount on XX/XX/XXXX. Since then my credit score went down by XXXX points and I have one payment that was delinquent. I have tried to reach out to XXXX and sent the images of the statements from them yet they stated that did nothing wrong.

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