davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XXXX. On XX/XX/XXXX, I applied for a Refinance Cash-Out Loan with XXXX XXXX XXXX XXXX XXXX XXXX ). The process went smoothly until on or about mid XXXX when we were getting ready to close. XXXX XXXX and XXXX XXXX of XXXX Mortgage Department informed me that there was a problem with my Title, but that they ( XXXX Mortgage ) were working to get it fixed. 

XXXX. I was asked by XXXX XXXX XXXX XXXX who my Title Company was and I told her XXXX XXXX. I then reached out to XXXX XXXX to inquire whether they knew what was going on with my Title and they told me they were working on it and to not worry. 

XXXX. As days turned into weeks, XXXX routinely, when I would require an update, informed me that XXXX XXXX was working the issue and problem. I began to get worried and upset thinking that XXXX XXXX was the problem because all that they would tell me was that they were working on it. I then considered consulting with an Attorney as I thought that adverse " things '' were or had been done with my Title. 

XXXX. On XX/XX/XXXX, I gave a mandate and order to XXXX XXXX to explain exactly what was going on, but only after I reached out to XXXX XXXX XXXX XXXX who explained to me what might be going on and what the problem could be. They also told me that they would reach out to XXXX XXXX ( XXXX XXXX ). 

XXXX. Today, XX/XX/XXXX XXXX XXXX of XXXX XXXX informed me of this : " XXXX XXXX, I am CCing XXXX  XXXX with Pennymac in this email. As I explained the process to you on Friday, Nothing is wrong with your title. The former lender for XXXX XXXX released and satisfied the Mortgage when you purchased your home in XXXX XXXX  XXXX, but did not release the liens on the XXXX XXXX Titles. I have been in contact with them via email. I took all the normal paperwork ( along with satisfactions as proof of payoff ) to the DMV to have the XXXX XXXX titles released right after closing. However, the DMV cant release the liens due to them being Electronic Titles with Electronic liens. That can only be done in-house by the Lender. 

XXXX XXXX sold to Pennymac  which gave them permission to satisfy the Mortgage and release the XXXX XXXX Titles. I emailed all the same paperwork to them that I took to the DMV. Pennymac  is telling me that the case is in the litigation department and not sure how long it will take to resolve the issue. I assure you that we are working on this issue. We want to make sure our customers are taken care of. We are at their mercy. As soon as XXXX XXXX informs me of any progress I will call or email you ASAP. I ran a DMV webcheck update today and the liens are still not released. Still showing XXXX XXXX as lien holder of record. 
Thank you, XXXX XXXX '' So ... Pennymac Mortgage is the culprit. THEY have been holding my Title in their litigation department thus holding up my loan process, being slow and " snail paced '' in clearing and executing properly my Title, and preventing transfer of my title to XXXX so myself and XXXX can move forward to closing.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One sends printed credit card promotional offers through the mail. 

Capital One says on the materials that Capital One supports information privacy protection and directs consumer to see Web site at www.capitalone.com. 

I went to the website. The information provided does not address how to opt out of printed mail offers. The information seems to only address electronic marketing channels.

I found the website was not easy to use. I would like the CFPB to check out the website and judge if opting out of US mail card offers is reasonably easy for the consumer if at all possible. I believe that Capital One should take steps to make it easier for the consumer to find the Capital One procedure to opt out of printed and mailed credit card offers. 

Thank you very much. 
XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Colony Mortgage Corp. (UT)

In XXXX of XXXX we were approved for a 3 month COVID Forbearance from our mortgage company. The forbearance granted suspended monthly payments from XX/XX/XXXX through XX/XX/XXXX. We used 2 months of the forbearance and resumed our normal mortgage payments 1 month early on XX/XX/XXXX of XXXX. Somehow we have ended up with late payments, missed payments, and most disturbing, negative marks on our credit report. 

I called our mortgage company at the end of XXXX XXXX and reported that my husband was working again and we would like to end the forbearance early and have the 2 suspended payments deferred to the end of the loan. We were told to make the XXXX payment and then call back once the payment was made to start the deferment process, we did just that. On XX/XX/XXXX we initiated the deferment process via phone call with the lender. We were told that we would receive the deferment. On XXXX we received a letter from the lender that we were approved for a payment deferral and as of XXXX our mortgage would be brought current. On XXXX we received a voice mail from the lender stating that we were behind in our payments. I called the next day and after being transferred to 3 different departments, learned that they did not have record of our deferment. I have two different letters from the lender that state " You are approved for a payment deferral ''. I was told that they had to send it to some one via email and I would be contacted in 3 to 5 days. 

It is my understanding that under the Cares ACT that it is illegal to report a negative report to the credit agencies. The paperwork that I received from my lender states " The status of the account at the start of the forbearance will be preserved throughout the forbearance period. If your account was current at the time the forbearance began, we will continue to report your account as current throughout the forbearance period ''. My credit report shows late and missing mortgage payments since XXXX XXXX. This has negatively impacted my credit score.
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Received by regular USPS mail today, XX/XX/2023, a letter from my loan servicing company, Specialized Loan Servicing, a part of XXXX XXXX, located in XXXX, Colorado a notification of escrow shortage on my escrow account. 

Notice includes increasing my monthly mortgage payment {$150.00} per month from {$1500.00} to {$1700.00}, effective XX/XX/2023. Total shortage amount is {$1800.00}. 

I am a senior citizen who purchased this home less than a year ago. I am struggling in the present financial climate to make my current mortgage payments, although I have not missed a payment OR been late. My salary at work has been recently cut by over {$10000.00} per year. My fear is inability to keep mortgage payments current, and possible. foreclosure. 

I feel this is an unreasonable and unfair expectation with ridiculous short notice.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL INC (UT)

I paid my debt to Coast Professional on XX/XX/2023. I requested in writing to know what my current balance is with them after my payment in writing on the XXXX  and on XX/XX/2023 I made the same request by phone. I was told that they have ten days to send me the information in the mail. Today is XX/XX/XXXX and I still don't have it. I called them again today to ask for it and was given different information, which was that they don't need to send it to me by a specific date. I only want information from them that shows that I paid off my balance completely and that I owe them no more money. I've attached the document showing that I paid them, as well as the email where I ask for them to send me my account balance.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

all three bureaus are reporting accounts as credit accounts. Which is a violation of the 15USC 1681 Consumer Law. These accounts are charged off accounts they have been paid to the credit furnishers under the FDIC and are now considered income per IRS Laws. 
They are being reported as Credit they need to be removed immediately. I have sent letters to them repeatly but they have refused to remove these accounts.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Upgrade, Inc. (GA)

The companies are stating they got verified information this account is valid. I ask for proof of information over the phone and the letters and no proof that this account is mine or nothing was never sent to my address on my credit report.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have asked Experian to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint 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
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

My credit score recently dropped by XXXX points, as shown in the attached document. I have XXXX XXXX credit cards, each with a {$1000.00} limit. Last month, my balances exceeded the limits, causing a negative impact on my credit score due to high usage. Ive since made payments to bring both cards back within their limits. However, despite making regular payments, I was hit with a XXXX score decrease, which feels unfair, especially as this impacts my ability to secure financing for a home.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc. (SD)

I have a Coinbase VISA Card that is connected to my trading account. I used my Coinbase card only one time on XX/XX/XXXX, just to see if it works and activated it. Then I put the card in my safe and didn't want to use it because XXXX lost so much value. On XX/XX/XXXX I received an email saying a transaction was declined. I'd never received an email like this so I went into the account to see what is going on. To my horror, I saw there were over 50 charges to this card in other countries, mostly the XXXX. I immediately contacted Coinbase Global Inc. I was told that they are unable to assist me because they only investigate transactions that fall in the last 120 days. Interestingly enough all the transactions that fell in the 120-day period were either declined or refunded. Refunds were made to amounts that weren't even charged. So I have no idea what the refunds were for. 
I then when to my local law enforcement to report it. They looked through the statement and also agreed that it was very suspicious what was going on. Upon further investigation the found that all the transactions were from other countries that I'd never even been to. But at this point, their hands were tied because they do not have jurisdiction in these countries. 
I wrote a complaint to Coinbase and yet again they refuse to look into the situation. I then wrote to the SEC and they suggested I report this to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for further assistance. I could supply the statement for my card to you if needed. This is very suspicious to me and law enforcement and we believe that Coinbase might sell card info to criminals or they are using the info themself. I would really appreciate your help in this regard and if you can investigate Coinbase. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

I disputed this XXXX XXXX XXXX XXXX account with ChexSystems because it is not my account. ChexSystems responded with " proof '' that it was my account, which DIDN'T HAVE ANY OF MY INFORMATION ON IT OR INFORMATION THAT I RECOGNIZED. It showed a business with a completely different address in a state 2000 miles away from me. When I disputed it again, ChexSystems responded claiming that my dispute is " considered frivolous ''. REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER REPORT.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting this account incorrectly despite several dispute requests.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I don't recognize XXXX around the time of XX/XX/XXXX and appears to be fraudulent, as well as XXXX XXXX around the time of XX/XX/XXXX. Can you please kindly delete these, thank you.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting. If these errors are not corrected within the next 15 days, I will have no choice but to invoice you for damages of {$1000.00} due to your continued failure to comply with the FCRA. 

" SEE ATTACHED DISPUTES ''
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (LA)

I leant an older phone ( XXXX XXXX  ) to my cousin. All apps had been deleted. My cousin was able to download the apps again, including robinhood app, and access my account to execute 5 unauthorized purchases. I have filed a police report and been in contact witht he merchants as well as robinhood. They refuse to to accept responsibility that their app is not secure and that it allowed unauthorzed charges in my account. I was in Louisiana when these took place and the phone was in California.
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Big City Finance, LLLP (TX)

Power Finance Texas opened a " Payday Loan '' In my name without my permission. Power Finance Texas LLC, Did not verify the information on my credit file before approving said loan, and then Power Finance Texas proceeded to fund someone elses checking account. I have tried contacting them several times, and I do not receive any response. Power Finance Texas falsely accused me of receiving said loan, I have extended fraud alerts on my credit file, and they state that the company must first CONTACT ME before approving any loans because I am a victim of identity theft. Power Finance Texas did NOT contact me and went ahead and approved this loan for someone else, yet charged me for the loan. I can not access this account, nor can I retrieve the credentials because it's tied to information that doesn't match mine. It sends a text to some phone number ending in 1921 which again I do not own. That's not my phone number. Additionally I can not retrieve the email address that they stated was used " XXXX '' Because this is not my email address and it's not tied to my information. Power Finance Texas additionally sent these funds to a bank account with some company that I do not own. I had a report pulled, and It showed this is a XXXX XXXX account, This account was closed for Identity Fraud, and I do not own the account, nor do I have access to any funds in the account because it's closed due to Identity Fraud. Power Finance Texas sent these loan 's proceeds to someone elses account, and opened the account without my knowledge or consent and they refuse to do anything about it.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The address ( XXXX XXXX XXXX, XXXX, PA XXXX ) is an incorrect address on my credit report. Please delete this address from my credit report and any account attached to this address, and send me an email once it is removed.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

For my XXXX Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXX XXXX XXXX, specifically ) There are also inquiries on my XXXX Report that I dont recognize as well