BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan was picked up by Carrington Mortgage effective XX/XX/XXXX. I received notification of the change on XX/XX/XXXX via email but the email did not have details on my new loan number or how to make a payment. Around the XXXX, I tried to log onto Carrington mortgage site to pay my mortgage but I was not able to. The system would not accept my old loan number. I called Carrington Mortgage and they told me that the system issue was a known one and to wait till after the XXXX and try again. I called again after the XX/XX/XXXX and the rep could not find my account. They told me I should have gotten a letter in the mail. I told they my husband was in the military and we had gotten transferred. I did not have the mail. They told me they did not have my info in the system. About a week later I got a call from a rep that I was late on my payment. She acted as if it was a problem on my side. I explained the issue and she gave me the account number. I was surprised that it was an issue because the email said they payment would not be considered deliguent due to the transfer. On XXXX, I just got my forwarded mail from my old address and now I have a delinquency notice. I think this is horrible service and misleading. The fact that I am considered delinquent is totally contrary to their communication that I had 60 days to get all transfer issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX, XX/XX/2023, XXXX EST : Hello, Thank you for contacting XXXX XXXX XXXX XXXX XXXX 


We were unable to locate a gift card associated with the information that you provided, which indicates the gift card order did not go through. 

Although your bank may have accepted the transaction, it was not approved through our system. Any funds that may have been set aside are pending and should become available, depending on the bank 's policies. For more information regarding when the funds will become available within your account, please contact your bank directly. 

Thank you, XXXX XXXX. 
XXXX, XX/XX/2023, XXXX EST : I experienced problems during checkout when buying a card. 
Message XXXX  I bought the card for {$110.00} ; two of them for that price total with activation fees. 
Called customer service 20 times. 
Escalated complaint to XXXX. 
Money is on card. 

Their customer service : Please call customer service at XXXX. XXXX XXXX XXXXXXXX XXXX to XXXX XXXX  CT, Again I contacted them 20 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: CO
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXX XXXX XXXX  ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX  XXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an XXXX XXXX  XXXX never hear of them either.

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 2018-04-10
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was broken into 3 times to my apartment. The 3rd time the burglar took my important documents which resulted in taking my XXXX XXXX credit card. I was unaware as I wasnt using the credit card anymore. After some time I received mail that my account was in collections. To avoid this getting reported to the collection beraus I tried paying it off but I then noticed the charges werent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm filing a complaint against PHH Mortgage who is servicing my 2nd mortgage for breaching the terms of our loan agreement ( Mortgage note ) by not applying my payment to principal. I sent in a payment to be applied to my principal that they received on XX/XX/2021 ( according to my bank ) after not seeing it applied I called PHH Mortgage on XX/XX/XXXX, I was relieved that they HAD received my check and that it was to be applied to the principal. However, they mailed the check back to me instead. My complaint is they refused to apply my check to my principal balance. They returned the check and stating they needed certified funds. 

In my Note 4. Borrowers Right to Prepay states that I may make a full prepayment or partial Prepayments without paying any Prepaying charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under Note. 
After I was assured that they received the payment via phone call to them on XX/XX/2021, I received a letter in the mail on XX/XX/2021 with my check in the amount of {$10000.00}. I immediately called and spoke to XXXX  XXXX and was quite livid that they refused to apply my check to my principal balance. They informed me because it was the full principal balance they could not apply it and they have a procedure for paying off the balance. There is nothing in our agreement that states I can not prepay the full balance. When I asked XXXX what amount they would accept as a prepayment he did not have an exact amount allowed. The reason they want the certified amount is to have guaranteed funds that the check wont bounce. One could delay showing loan balance is XXXX after the allotted time ( which they did anyways with sending my check back!! ). I responded the escalation agent if that was the case then just wait until the funds are secure to know. There is no agreement in my note for the Lender to require THEIR OWN PROCESS for me to pay my full principal balance. This is a breach of their agreement. A way to charge more in fees and interest in requiring a payoff. There is nothing stating I need a payoff amount sent to me by them. 
Im tired of financial institutions taking advantage of people, it is unfair for them to not apply payments to principals correctly. This has happened to me in past, it seems to be bad practice with loan servicers for misapplying funds to principal. In Order for me to only pay that amount they are REQUIRING ME to get a pay-off statement ( and it will come with additional interest for XXXX and fees ). I should have no interest to pay in XXXX as the principal should have been paid. Don't they have to follow our agreement and apply my check to the principal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: OneMain Finance Corporation
State: TN
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:
I received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by ONEMAIN FINANCIAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I went into CHASE bank at XXXX XXXX XXXX XXXX NY on XX/XX/2021 to open a BUSINESS account. I was approved on the spot and I GAVE THEM {$2500.00} CASH to fund the account. I received a letter dated XX/XX/XXXX saying that CHASE has decided to close the account no further explanation, Thats all fine - I just need my money {$2500.00}. I was told in letter to call the number inthe letter which is XXXX I called twice I was informed the 1st time I would have to go into a bank branch which I did then the branch tells me no one can help me I would need to make an appointment I then called the different branches for a week unable to make any appointments. Then I call the XXXX number back and told them they would have to arrange an appointment at which time they did then casually tell me that I would have to bring in all this information that they didnt need to open the account then proceeded to tell me that it would still take 3-4 WEEKS to HOPEFULLY receive my funds by mail. 3 problems : firstly, I gave them cash so this should not be an issue- 2nd its not fair that they are making money with my money and I can NOT, 3rd I was APPROVED for a BUSINESS account with XXXX no problem but now they are threatening to CLOSE my business account because I have not made the initial deposit which has to be made within the week! Please help me there should be no way these people can legally hold my money like this - I should be able to move on as they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/21 I made my scheduled {$30.00} payment to Synchrony Bank/ Carecredit XXXX It was confirmed by my bank XXXX XXXX that the amount was drafted and successfully paid out. Carecredit sent me notice on XXXX the payment returned as insufficient funds and that was not correct. I submitted multiple proofs that the funds were received on their end and even got a manager that confirmed they received my payment. They closed my CareCredit account anyways and said there were somehow 2 payments made that day but I never authorized 2. They have not been able to give me evidence of 2 payments and one being returned.

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 2022-04-12
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
***New Information I have recently new paperwork from lexis nexis and have sent my coraspondace to attorney general I would for CFPB to do its job

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Follow up to CFPB dispute XXXX. Dispute letter date XX/XX/2022 requesting Equifax to remove inaccurate address information from report. As of XX/XX/2022, inaccurate information still reported on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX {$4800.00} was authorized and posted onto my checking account on XX/XX/XXXX ( an action not done my me ) XX/XX/XXXX a tele transfer of {$8000.00} was transferred my Savings account into my checking account ( an action to done by me ) XX/XX/XXXX a tele transfer of {$210.00} was transferred from my Saving account into my checking account ( an action not done by me ) XX/XX/XXXX a tele transfer {$30.00} was transferred from my second Saving account into my checking account. ( an action not done by me. ) XX/XX/XXXX a tele transfer of {$5000.00} transferred from my savings account is posted onto my checking account. 

XX/XX/XXXX a tele transfer of {$210.00} is transferred from savings account and posted onto my checking account. 

XX/XX/XXXX a cash advancement of {$5900.00} was authorized from my credit card ( an action not done by me ) On XX/XX/XXXX towards XXXX, I noticed these transactions and called Wells Fargo to issue a fraud claim and to close those accounts affected and create new ones. 

XX/XX/XXXX when the new checking account was created all the tele transfers that were made, were posted there. 

XX/XX/XXXX {$9800.00} was taken from my account ( an action not done by me ), I assume because it was such a huge transaction it needed a day to post to my account. 

a couple of days prior to all this happening I received a notification from XXXX stating I was part of a data leak. Both my credit card and debit card were on my XXXX connected to XXXX XXXX. Both my username and password saved onto my XXXX allowing access to my online banking. 

XX/XX/XXXX I called the credit card department to file a fraud claim, and they stated they'd notify me of the investigation status within 10 business days. I never received a phone call, so I called to realize they didn't properly filed the fraud claim, so it was never made. I went through the process again with them, and made sure the properly made the claim. I'm currently waiting the status. 

XX/XX/XXXX the claims department for Wells Fargo contacted me and notified me stating they found no fraudulent transactions.

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 2023-08-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I deposited money around XXXX at a Chase bank ATM and it kept my money. They told me repeatedly that they would give me a credit of the amount I placed in machine. That day j was depositing around {$1400.00} for my rent that day. Because they took my funds and did not give me any credit since I'm late with my rent and will have to pay additional fees. I've called many times and made complains and asked if theres anything g they can do to speed up the process but they tell me the same thing over and over again that it takes time. I have XXXX kids and our family is living in a small apartment that costs almost XXXX a month. School is starting soon and I have nothing to shop with because all if what I had went towards paying g what I could with rent so as to not get evicted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my Atlantic Union Bank account XX/XX/XXXX with Unprofessional woman Named XXXX XXXX at XXXX XXXX XXXX XXXX va She was rude and I had issues with depositing check for alimony Rude tellers XXXX XXXX is a thief and into Extortion and Discrimatory acts and defamation I was in atlantic union bank at XXXX XXXX XXXX XXXX XXXX va and XXXX XXXX said I could not have money money Why not I just got my check I have written five I just mailed my mortgage..she said XXXX XXXX and XXXX XXXX said I didn't want to bank at XXXX XXXX I said what are you talking about I said I want to get money I was threatened by XXXX XXXX and XXXX XXXX and told I was going to go to jail Why I was humiliated I called XXXX Report this behavior to State police and XXXX police XXXX I am waiting for Detective XXXX to call Me and XXXX XXXX director XXXX had the calls XXXX has one too Today I got XXXX from XXXX at XXXX Atlantic union and they refused to give me my receipt I went by Atlantic Union XXXX XXXX XXXX and in drive through line I was attacked by XXXX XXXX She jumped on my car to give me a letter I got in mail that said I had to finish banking by XX/XX/XXXX These Criminals terrorism me I called XXXX as I went through drive through I was verbally banned XXXX XXXX is extorting money Why is she violating FDIC laws?

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion, I just looked at my credit report and was shocked to see the numerous amounts of error you listed. I am writing to have you remove them immediately. 

The followings account needs to be removed immediately. Account Name : XXXX XXXX XXXX XXXX XXXX. Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX I Reason : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not.

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 2022-04-12
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My lease wasnt over until XX/XX/XXXX I moved XX/XX/XXXX when I moved I clean the apartment only things was broken was a door that already had a hold in it but was patched up with mud my rent was XXXX I was told if its not rented by XXXX I would have to pay for that month rent now I also paid a deposit when I move there I receive no deposit money back no letter or anything but the place did get rented before XXXX this I know because I still talk to my old neighbor that still live there right now to this day its not fair for companies to do ppl like this when they move take my deposit and charge me way to much for a door that was already broken to begin with in the first then sneak and put this on my credit report not once have my rent ever been late not once this not fair even if it got rented in late XXXX I understand I would still own some money but lets be fair XXXX plus dollars is not fair when I had a deposit that wasnt returned to me we can come to agreement of XXXX that would mean Im still out of my deposit Im fine with that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Blackhawk Network Holdings Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a gift card from my employer and registered the card. The card was used by someone and attempted to dispute the transactions. No action was taken by the card issuer and was told they will send me a form which I never received when I reported the issue 4 weeks ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe my ex-wife use my identity to take out a loan for {$5100.00} against our old house. I was not there when this was done she mustve signed my name and I do not owe this debt. Her name is XXXX XXXX XXXX that who owes the debt

Company response to consumer: Closed with explanation