BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview took over the servicing on our mortgage that we are behind on. We had an attorney that we hired to help us obtain a loan modification since our payments had increased. We were in a hardship situation due to the death of the primary supporter of the residence who was on the mortgage. Our attorney told us in XX/XX/2018, that we needed to file for bankruptcy to help get the mortgage modified. However, the attorney was incorrect and the bankruptcy court reprimanded him and dismissed the bankruptcy. On XX/XX/2018, we received NOTICE OF TRUSTEES FORECLOSURE SALE set for XX/XX/2018. We contacted Bayview to explain the situation with the attorney and that we would like to have a modification and keep our home. They instructed us to submit a Hardship Application. They said that they needed the copy of the death certificate and will so they could speak to us. I submitted those items immediately and received a notice on XX/XX/2018 from Bayview thanking us for submitting the application for loss mitigation. On XX/XX/2018, we submitted a Hardship application with all financial information that Bayview had requested. On XX/XX/2018, Bayview sent a letter thanking us again for sending the application for loss mitigation saying that within 30 days of their receipt of documentation, they will provide us with a written decision regarding our eligibility for an assistance program. On XX/XX/2018, Bayview sent another letter stating they had received the request for assistance from us, but were unable to consider this request because the submission date was too close to the proximity to the scheduled foreclosure date. I then contacted our loss mitigation representative, XXXX XXXX XXXX who told me that there was nothing we could do and that Bayview will not consider our application because we were within 37 days to the sale date. I pleaded with him for any help, including a short sale, deed in lieu of foreclosure, anything except the actual foreclosure. He said absolutely there were no options for us. On XX/XX/2018, we were informed by a private third party company, that our home WAS NOT LISTED FOR FORECLOSED ON XX/XX/2018. Subsequently, we have now learned that the actual posting date for foreclosure is XX/XX/2018, which is more than 37 days since the Hardship Application was submitted to Bayview. We have never heard back from Bayview again nor any attorney representing them. Our application should be reviewed and considered since we did submit it within the time frame Bayview requires. We were never given any rights to appeal their decision. We were given NO options or advice on how to proceed. We are upside down on our home due to structural foundation problem and hail damaged roof. We would like to keep our home and want to bring our account current, but need Bayview to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
-Money transfer of {$1500.00} via direct deposit to family member 's savings account in XXXX XXXX on XX/XX/2023, via MoneyGram XXXX XXXX XXXX XXXX XXXX CA XXXX 
-Told by MoneyGram to expect money to be delivered at the latest by XX/XX/2023. 
-XXXX XXXX, 2023, XXXX XXXX time, money not delivered. 
-Family member in XXXX has gone multiple times to her bank and no evidence of transaction in process. 
-MoneyGram informed me that investigation opened with case # XXXX and will inform me once item resolved, but it may take up to 90 days. 
-I have sent money, via direct deposit to same family member, into the same savings account, in same bank for years, via other companies and have never have had this issue... ever. 
-Went to XXXX XXXX XXXX who processed wire transfer and she called MoneyGram as well and they could not give her an answer as to what happened. She cautioned me that this is very unusual and to stay on top of it. 
XXXX XXXX XXXX unable to refund me money since it was direct deposit to bank. 
-I have called every day and get same answer : under investigation, may take up to 90 days : meanwhile I am out {$1500.00} and family member could not pay XXXX XXXX on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NC
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:
I recently in XX/XX/XXXX did a dispute with XXXX XXXX which also affected my Equifax report. The dispute was to show that I paid XXXX XXXX mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that XXXX did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom XXXX is making a comments or somebody is putting comments in my account showing XXXX to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because XXXX refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though XXXX did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from XXXX on the XXXX website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. XXXX is ruining my credit and Id like something done about it please. The only reason Im including XXXX XXXX is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and XXXX and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because XXXX gave a verbal to XXXX XXXX that I was not 120 days overdue on a conference call but then they said they wanted a letter and XXXX is refusing to do it and now XXXX is putting this on my credit pork with 150 days in Equifax and I was getting Hire instead of XXXX and nothing is working and XXXX losing everything I have because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: AR
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:
This is another attempt to inform the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that have resulted due to identity theft. Please take a look at the following items and have them deleted from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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. I previously sent a dispute and complaint regardning this matter and requested that the Credit bureaus remove these items but upon checking my updated Credit Report, the Credit Bureaus have continued reporting these items. If the Credit bureaus believe that the disputed items belong to me, I require the Credit reporting agencies to send me copies of proof of verification to support their claims, wihout these documents, immediate deletion of the disputed items will be greatly appreciated.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My mortgage company took two payments of {$3900.00} out of my checking account on XXXX XXXX. 
Which put my account in negative status. 
Then on XXXX th my mortgage company XXXX sent both payments back to my account that should have put my account into a positive status of {$3900.00}. That did not happen. The money just disappeared and Wells Fargo gave me the run around as to where my money went. My money was never recovered, my questions never answered and no one could explain why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a credit card on an XXXX XXXX flight in XXXX. After checking status, I was told I was verified in Early XXXX, I've called twice since, each time telling me that the card has been sent. It's mid-XXXX  and I still haven't gotten the card but they did not have a problem sending me a bill for the annual fee.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Transunion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Transunion credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: CA
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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}

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 2023-01-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 late open 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2022-03-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed that a medical collection account appeared on my credit report for {$1900.00} from Phoenix Financial Services. It is being reported as a medical collection. I disputed the credit reporting and to my knowledge all my medical bills have been paid by insurance. They came back and said the debt was valid. On XX/XX/2022 at XXXX XXXX I called the collection agency Phoenix Financial Services and they advised that they no longer had the account. I advised that if they no longer had the account then they need to remove the account from my credit report. The representative said they will not remove it and referred me to yet another agency called XXXX XXXX XXXX. I called the number provided and was not able to reach a live person to discuss this matter. The number provided was XXXX. To my knowledge if they no longer have the account then they can not report it to my credit report as an open active collection. This is misleading and is considered fraud. I would like this matter investigated and removed from my credit report. Thank you in advance for you assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had our property taxes substantially reduced by our county of residence, submitted all the required documentation to AmeriHome Mortgage three months ago ( we have proof ) and AmeriHome still have not adjusted our mortgage escrow payment. We have proof also that XXXX County ( Ga. ) did approve our homestead exemption application resulting in a {$200.00} a month savings for us. 

I have contacted AmeriHome escrow department three times and talked to a supervisor there as well. They continue to stonewall what should be a cut and dried process. Their finance department refinanced our mortgage in one month but it has been three months since we requested their escrow department to upgrade our escrow monthly withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
I been trying to link to bank want let me I call bank they say no issue call u guys let u know it wasnt the bank with issue not problem still havent been solved

Company response to consumer: Closed with explanation