BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: AMERICAN HONDA FINANCE CORP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINAN # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINAN # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I looked up the phone number " from ''  XXXX , AZ, ''  XXXX , and saw it was for a company that is in  XXXX  and is a debt collector. They call  us up to 10 times a d ay, and when I answer, there is no answer. When my answering machine answers, there is NEVER a message left. I have no idea why they are calling my home, but my land line phone does n't block calls that I know of. I want them to stop harrassing us immediately as we are both  XXXX  and the calls prevent the little sleep we get and is interfering with our health. They can contact us by letter only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have a medical bill that 's not mine from  XXXX  collection company for  XXXX . Never went to the hospital tried to call the hospital they wo n't respond. Now I 'm in collections!! I have insurance and the insurance they have is from a previous job that I have n't work ed in 5 yr s.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When terminating the lease with XXXX we spoke with multiple agents including office manager XXXX of multiple conduction along side fire hazard as well as molding within the unit. Due to XXXX XXXX we as tenants were forced to move out. With that being said a home was purchased and upon agreeable conditions we would provide 60 day notice and terminate the lease with zero penalties and no additional cost, Today XX/XX/22 a notice of collection was received in the amount of XXXX for breaking the lease and whey conduction information XXXX could not provide any further information as she was not aware to what charges were issued to us as tenants. All documentation of move out were conducted with XXXX and a fellow leasing agent who has been terminated based on this case. we as tenants or consumers were never notified of move out cost or a final bill. notification came directly from collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this statement today to complain of the poor service I re ceived from ProCollect  on several occasions. Today I called to speak with someone regarding my dispute and was directed to a  XXXX   XXXX   XXXX .  XXXX   XXXX  is everything but professional, being an employee includes being attentive to the customer issues and acknowledging them, this employee does otherwise.  XXXX   XXXX  is the most unprofessional employee that I have ever came by. Being belligerent for an unknown cause and not letting me state my reason for my call without getting interrupted. To my knowledge  XXXX   XXXX  is t he manager of her department ( dispute department ), to think a manager who is supposed to be someone that sets example in the work place hangs up in my face and shifts the blame on me, the customer, for her disgusting behavior is absurd! I will be sending in more letters and possibly taking this compan y to small claims court if there is no cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been in talks with US Bank and XXXX XXXX XXXX XXXX XXXX  each company is blaming the other one bank says a property payoff wasn't receive and the other says it was sent. because of this error i now have 3 loans on my home. US bank states they sent the payoff and check and XXXX  says they merely received a payoff check but not an actual payoff. both loans were for 2nd position and now there is a 3rd how is that possible This will surely force me in Bankruptucy and i will also need to hire an attorney to look into this matter. It is not fair that rules were put into place by regulators but big banks dont need to follow them.

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 2017-06-14
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call and message ( using my na me ) from  Student Assistance Corporation on my cellular phone which is on the national do not call registry from someone who stated in the message that they were attempting to reach someone with the same last name as me about a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern : The following information is my contacts : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX or XXXX Mortgage Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX In XXXX I filed XXXX with my XXXX. I did NOT include my mortgage in the XXXX. When the bank was informed of the XXXX their XXXX charged me {$750.00} to investigate the XXXX. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the XXXX and that I have not made any payments on the loan.
<P/>
I tried to contact the bank XXXX and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my XXXX XXXX who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.
<P/>
I know the XXXX will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.
<P/>
How can I get this fixed? Can you help me? Please see what you can do to help with this situation.
<P/>
Regards

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 2017-06-14
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, 2017, I wrote a letter to XXXX XXXX requesting Hardship Assistance, as their website indicates their concern and wanting to help their customers who were experiencing financial problems and/or foreclosure prevention. I received documents on XXXX XXXX, which was completed and mailed along with the required supporting documents to XXXX XXXX Hardship Assistance Dept. on XXXX XXXX, 2017. Part of the supporting documents submitted was a letter of explanation regarding my situation, and expressing my desire to keep the property, which is my PRIMARY RESIDENCE, and where I have been operating my home-based business-even since the initial loan was granted by XXXX XXXX. This plus the fact that the total mortgage payment on this residence is set to increase from {$4500.00} to {$6000.00}, beginning XXXX 2017 ; and finally, I pointed out that with the breakdown of marriage, I was now a self-supporting WOMAN, solely responsible for making mortgage payment with the submission of Quit Claim deed & Settlement Agreement. Letter dated XXXX XXXX, 2017 was received from XXXX XXXX stating that the only help they can provide was a Short Sale or Deed in Lieu of Foreclosure - what kind of help is that? XXXX XXXX seems to want to get the property and my livelihood as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a loan because of credit card debt through credit karma because i saw that i was pre approved for the loan with XXXX. I was denied a loan by XXXX  even when told by credit karma that i was prequalified. XXXX referred me to a another company called XXXX XXXX XXXX, by this time i just recieved a negative on my account. XXXX XXXX offered to fight and remove negative so that i can get approved for a loan. They charged me XXXX a month to remove 1 negative. Now this actually hurt me financially because instead of paying XXXX a month towards the loan that could have taken care of my debts, i am stuck with late fees with my credit card company. Now i am in need of even a bigger loan to compenate for the times i wasnt able to pay my credit card. If they had given me the loan my debts would have been paid off and there would be late fees. I felt cheated and tricked into even more debt. I could have even paid the negative with the loan as well so there was no need to get denied a loan. I feel like credit karma shouldnt have told me to apply to XXXX  now i feel like im going im circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had filed a New edd application and when i logged in my old bofa account i noticed transactions made during the time i was incarcerated and i gave no one permission at all to use it.my card was at home and my info is in my living room where i live so idk if someone found where i wrote my pin and found the card anyhow the reason they denied me was misinformation the person helping me on the claim never told me to send any documentation over .therefore denied me the dates of my incarceration are from XX/XX/2021 XXXX thats the farthest i can go within the year. ..my ex knows my information but she said shes not responsible if they were too look into the cameras they will see its not me on the cameras i told them this.the amount was around 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 2017-06-14
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings, Freedom Mortgage I have been out of work for more than a year. I was on a special forbearance plan with Freedom Mortgage, but I missed a payment due to no funds and the plan was cancelled. I submitted a new request for Loss Mitigation, but was denied due to dti. I had no income at that time. However, I was approved for benefits by Texas Workforce Commission and now have income. I submitted an appeal on XX/XX/XXXX. I never received any calls nor any written communication regarding the appeal. I called Freedom Mortgage on XX/XX/XXXX, for a status update. The rep reviewed my account and stated I was approved for another forbearance plan. I stated I never received a call or written notification, so he stated he would email it to me since I have until XX/XX/XXXX to sign and return. The forbearance he emailed to me was the old forbearance plan, which is expired. I called Freedom Mortgage again on XX/XX/XXXX because I was furious. I explained the fact that I suffer  from XXXX and have a XXXX XXXX with no insurance for medication. I have been barely holding on because of fear of foreclosure. The rep stated my appeal was denied and that he was n't sure why the previous rep said I was approved. I informed XXXX I 'd # XXXX, that I needed to speak with a manager. To build my hopes up and tell me everything was fine and my appeal was approved was insensitive, hurtful and has cause me to go into a XXXX XXXX. That inaccurate information absolutely deflated me. I have had to seek guidance from ministers and really trying not to return to the XXXX XXXX. I ca n't afford it this time. XXXX told me that there were no managers on the floor. He showed no urgency to help and I am beyond disappointed with Freedom Mortgage. They never CALL and the only written communication I receive is a letter informing me of a new single point of contact, which is every two weeks it seems. My income status has changed, as well as my debt. I submitted a new request for Loss Mitigation today XX/XX/XXXX. I use to work for XXXX XXXX XXXX XXXX Office of the CEO and President. I use to handle all regulatory complaints from the OCC and CFPB. I have had great experience in the past working with your offices and I hope that it can be a great experience as a customer.

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 2021-10-28
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase is cutting retail investors off from trading XXXX XXXX  in order to manipulate the market to the benefit institutional traders so they can catch up with retail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper took over servicing my mortgage in XX/XX/2019. In XX/XX/2019 there was an escrow analysis done increasing my payment by about {$93.00} per month. In XX/XX/2019 another escrow analysis was done increasing my payment by another roughly {$4.00} per month. When I questioned why the escrow analysis was done in XXXX when one was done in XXXX, I was told per Maryland law escrow analysis are done in XXXX. So I then questioned why one was done in XXXX. One XX/XX/2019, I was told my inquiry was sent to the Research Department and a response would be provided in 10 days. Well, it has been over a month and I still have not received an explanation as to why an escrow analysis was done in XXXX and again in XXXX. I need to know why escrow analysis is being done every 6 months instead of once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient ; multiple times : they 've recently reorganized their website so that I can no longe r split loan ( s ) into different billing groups. Previously, by doing this, I could easily and through self-service pay my base loan amounts, and then select one ( by virtue of billing group ) to pay extra on. When I do n't split it into billing groups, it is difficult to ascribe overpayment to one loan without potentially underpaying another and going into default on one o r more other loans by accident. I use the overpayment to attempt to pay down my debt by focusing on higher interest / lower balance loans. Since the changes, they can no longer do this ( according to service ) and I must call. When I do, I am frequently on hold for double-digit minutes, I get representatives who disconnect the call ( note : I try to be pleasant ), I get representatives who want to transfer me, I get representatives who wish to charge me for taking a payment over the phone even though there is no effective way to parse out a payment toward an individual loan within a group. I believe they introduce these confusions to maximize the amount of interest that I pay and minimize the chances I can garner effective assistance with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: JPMORGAN CHASE & CO.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged for a transaction that of {$740.00} on  XXXX / XXXX /  XXXX   from  XXXX   XXXX   XXXX . I disputed this transaction as unauthorized to my credit card company  Chase . In their dispute process I have provided them documentation that states the charges where charged to another credit card from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card. I have been reapplied the unauthorized charges. I find th at Chase has  done very little to protect me as a consumer. I have a valued client for over 25 years and a  XXXX  senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
I am a natural human being, I am a living person. I have rights under 15 USC 1681 equifax is govern by 15 USC 1681 and they violated my rights numerous of times. 
I demand the accounts below listed to be removed. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX xxxxx XXXX

Company response to consumer: Closed with explanation