BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: Seterus, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted my mortgage loan servicing company, informing them that my XX/XX/XXXX payment would be late. I explained to them I would be making the payment, which is due on XX/XX/XXXX, on-line, on or before XXXX XXXX, to which they replied ok, that they would note this in my file. On XXXX XXXX, 2015 I went online and made a payment to my mortgage loan servicer Seterus XXXX for {$1600.00}. via XXXX XXXX XXXX. XXXX days later, on XXXX XXXX, 2015 & unbeknownst to me, the servicer of our loan, Seterus Inc, made an " unauthorized '' ACH withdrawal from my checking account for {$1600.00}. This placed my checking account in the severe negative and has cost me over {$200.00} in overdraft fees. When I contacted them they stated they had a recorded message stating that I had authorized the withdrawal, which is absolutely false. I simply called them out of courtesy to inform them that XX/XX/XXXX 's payment would be late. When asked for a copy of the audio tape to verify, they then changed their story, stating there was no actual audio tape just a transcript that was entered into the computer. I then asked for a copy of the transcript and I was told no. They then requested I send them written notification from my bank that the ACH would not be denied or returned plus copies of my bank statements showing all overdraft fees accrued. I have faxed these documents to them however, when I contact them for a resolution, they continue to argue that I had authorized the ACH, which is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In 2014, I went to the XXXX Dealership to shop for a car, and they sent my credit report to several bank 's, which created multiple hard inquiries on my account. I did eventually purchase a car from them this summer, and specifically requested they would not send my information to several banks, as it seriously has set my credit score back. After reading about hard inquiries, I found that it may take up to two years for them to come off my credit report. This is frustrating me still, and my credit score is not improving by much, since the inquiries will not come off till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Coinbase has locked me out of my account. Doesn't allow me to add a XXXX XXXX account for transferring my {$2400.00} dollars out of their account. Also does not allow me to buy crypto that might enable me to transfer coins to my wallet. They have a help process online that sometimes responds " I am still learning, do not understand your problem '', and also a form to fill out that sends back an email in a few days saying the problem has been corrected, with the same results on the website. This has been goin on since XX/XX/2020 with no solution on Coinbase 's part in sight. They also do not have any live customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On  X/XX/2017  I purchas  ed 2 ticket s on  XXXX  with my  American Express   XXXX   XXXX   XXXX . On  XX/XX/XXXX  I called  XXXX  to cancel the tickets, as there was a family emergency- my grandfather had fallen and required around the clock care. I was told there would be a {$200.00} charge per ticket for cancellation.     I then calle d American Express to see if there were any additional cancellation benefits or policies I was  eligible for as a cardmember. I was told that I should dispute the charge- and so I did so.     I noticed on   X/XX/17   that the charges were credited back to my account. At that time, I engaged in a " chat '' conversation with "  XXXX  '' from  American Express  who advised me that the dispute was resolved and that I was not responsible for the cost of the flights. He stated verbatim, " Great and I have an excellent news here. I will share the details of the email sent to you. He then went on to copy and paste an email sent to me.     I reiterated by stating  " Perfect!  So it is complete, and I was refunded? '' He said " yes, I will resend the emails as well. It will reflect on your upcoming statement.     I then received the email confirming it. Nowhere in my conversation with  XXXX , or on the email received did it state that  XXXX  could still respond to the dispute and I would possibly be responsible for the cost of the airline tickets.     I received my latest  XXXX  statement recently and saw that the charges were back on the account. I called today to inquire and was told that  XXXX  had responded and I am now responsible for the charges. This would have been fine, had I not been told in writing TWICE that the dispute was resolved and I would not be responsible.      American Express fa iled to adequately advise me of the process and provided inaccurate information stating the dispute was resolved when it in fact was not.     I spoke with "  XXXX  '' a supervisor with  American Express toda y- he apologized for the failure but was unwilling to assist in resolving this.     I should not be responsible for these charges, as I was informed in writing that the dispute was in fact resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I call XXXX on a bill that was not me and was told to call XXXX, XXXX, XXXX. I did and no help at all the address on the person it start XXXX?. XXXX, AR XXXX my address start XXXX XXXX XXXX. XXXX, AR XXXX. EQUIFAX has me I old {$85.00} to XXXX. 
I hade send 8 months ago copy of my ID no help at all XXXX tells me to call Equifax to take care of it so I call XXXX. XXXX XXXX for help I was told to go true Equifax can you please help me my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
portfolio recovery XXXX XXXX XXXX XXXX, va. XXXX has a claim. on XXXX I sent a letter to stop contacting me on XXXX I received the certified return reciet. no. XXXX it was signed by XXXX XXXX I have been paying XXXX per month on account. they have resumed phone calls as of XXXX at XXXX am on XXXX of my phones. XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Collection company has stated they have asked all Credit reporting agencies to remove the debt, but it is still being reflected on Equifax. See below quoted text from XXXX XXXX. 
" Company responded - XXXX XXXX XXXX said : Explanation of closure XXXX # XXXX - To Whom It May Concern : XXXX XXXX XXXX sent a second request to the CRA 's to delete the account from XXXX XXXX 's credit history ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We settled this account with XXXX in XXXX of XXXX ( Letter attached ). We were just notified on XX/XX/XXXX that this account was re-called by Synchrony Bank and sent back. 

We've settled this account for {$1200.00}. {$980.00} has cleared and been applied to the settlement. However, payments for XXXX, XXXX and XXXX of XXXX ( {$61.00} each ) have been shipped to XXXX because of the last notice of the recall and they've been re routed to Synchrony Bank. I called Synchrony Bank and was notified that the account had been sent to XXXX XXXX XXXX for collection. We've been told by Synchrony to reach out to XXXX XXXX XXXX so that they can help us honor the original settlement. 

However, I reach out to XXXX in XXXX of XXXX, they have the account. However, they make me wait until XX/XX/XXXX to tell me that they sent the account bank. 

This back and forth is ridiculous and should not have happened in the first place. We were paying a settlement without fail and then Synchrony pulls the account from the creditor we settled with? Totally unfair.

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 2015-04-29
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have received a call from XXXX XXXX XXXX XXXX regarding a payday loan. My SSN # has been compromised and I have filed with the IRS and FTC. This company has threatened to serve me papers at my employment, speak to my supervisor regarding a personal business matter and said if the matter goes to court I will have to pay attorney fees which could be XXXX to XXXX the amount of the loan. She wanted to resolve the outstanding balance of {$400.00} to stop the proceedings. I was never given the memorandum and she told me I 'm lying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2016-06-08
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received calls today from XXXX XXXX XXXX, XXXX different numbers from XXXX different states all stating the same thing. 

" Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.

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 2017-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/XXXX, I filed a dispute with Equifax for erroneous information being furnished on my credit file by Equifax. I disputed the following erroneous items.. XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX . I called Equifax on XX/XX/XXXX, 31 days after those items were place in dispute to check the status. I was told by a Customer Service Rep and by a Customer Service Supervisor name XXXX that the disputed items came back verified. I was never notified of the decision. I ask XXXX what was the method of verification, he refused to give me that information so I ask to escalate call to CEO XXXX office. I was then transferred to The Office of Consumer Affairs and spoke to XXXX. I asked XXXX what was the method of verification, she replied that we only verify electronically. Electronically is not sufficient verification when it comes to something as critically important and delicate as my credit file. Information that can decide whether are I can have a shelter, food, job etc. If Equifax is going to report anything on me, I should be verified with hard evidence that the information belongs to me. I asked XXXX to send me information that was verified and the method that was used and she refused. She demanded that I contact the creditor because that whose responsible. That is not true. It is the Credit Bureau that is placing this on my bureau without proper verification. Under the FACTA ACT, the credit bureau must provide all information verified, who verified, when verified. I also want to see hard evidence that this information is accurate and belongs to me ( ie ) driver 's license, signature, ss card etc. I am requesting all negative information on my file show that the items were verified before granting credit and what method was used before giving my credit information out and methods used to verify that those items are my items. Failure to furnish this will result in my filing a lawsuit immediately in XXXX County Courts under willful non-compliance under section FCRA 616. Let this complaint also serve as my intent to sue Equifax if these erroneos items are not removed from my credit file immediately. XXXX was advised that my intent to name each board member in a separate suit until this information in corrected. She was rude and hung up on me and I demand that this is escalated to CEO XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: General Motors Financial Company, Inc.
State: OH
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:
Americredit pulled my credit without authorization on XX/XX/2020. As a result there is a hard inquiry on my XXXX credit report negatively impacting my credit score, which will remain there for two years unless they provide a " deletion letter ''. The company was contacted by phone when the issue was discovered. I was told they had no record of accessing the credit report and agreed to provide the letter of deletion. The letter was never received. Several follow up attempts, including an email sent on XX/XX/2020 have been disregarded. I have no other recourse or way to remove this inquiry from my credit report. Only they can rectify their error and they refuse to do so resulting in my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: NY
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:
In XXXX of 2021, I verified with XXXX, the amount needed to pay off my balance. Proceeds from a XXXX debt consolidation loan were directly paid ( by XXXX ) to XXXX XXXX on behalf of my consumer account. In XXXX of 2021, I made an additional payment in the amount of " {$10.00} '' to cover the remaining interest due so as to alleviate my debt obligation to this creditor. I had no intention of making any new purchases on this account as my income is now limited due to a visual impairment and a host of other serious medical conditions which have rendered me " XXXX XXXX XXXX XXXXXXXX '' as recently designated by the Social Security Administration. I did not make any additional purchases nor did I authorize any additional charges to my XXXX credit account beyond the date of my final interest payment. Unbeknownst to me, in XXXX of 2021, XXXX, billed some type of fee in the amount of " {$21.00} '' to my " zero-balance/inactive account. Again, I had satisfied my total debt obligation to this creditor as of XX/XX/ 2021, and though I did not close out my account, I had absolutely no reason to believe that further charges and/or late fees would appear. Debt consolidation was done for the purpose of better managing my personal health, familial and financial obligations by limiting my consumer debt burden. Never once did I have any late-payment credit bureau reporting while carrying a balance with XXXX. I should not be penalized for choosing to pay off my account debt. As a person with XXXX  and other XXXX, this situation makes me feel especially vulnerable and thoroughly violated.

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 2022-08-18
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have repetitively requested an RMA but have only been met with increased payments rather than lower, information not sent, incorrect wage information, lack of reviewing our current salaries, inflated inaccurate appraisal, constant turnover of employees, we have yet to speak with any person more than once. It has been an exhausting, draining gargantuan effort on our part to the point of just plain mentally abusive behavior on the part of SPS. 
We are including a 54 page dialog and example of our strident attempts at a resolution. This packet ONLY encompasses the months of XXXX - present. 
After review, we are confident you will find all the information needed to outline actions, dates and amounts. 
The packet runs chronologically from most current to earliest dialog in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: NCB Management Services Inc.
State: SC
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:
On XX/XX/2020 I sent a 3rd party debt validation letter to NCB Management Services Incorporated requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$2300.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), NCB Management Services Incorporated has failed to validate this alleged debt. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.

Company response to consumer: Closed with explanation