BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Below are notes I have taken while speaking on the phone with Carrington Mortgage.

Customer care agents have been helpful at times but seem to focus only on taking or processing a payment, they neglect the need to do anything more than this most of the time. Escalation agents have been professional and helped usually but most fall short and also neglect to call me back, or update IT tickets in any manner. They still need the manager 's assistance to do most things. This makes me think, I am speaking with a long-term agent also in customer care or is this actually an escalation team? 


XXXX ID : XXXX - first escalation specialist I spoke with. marked my IT ticket opened on XX/XX/XXXX as urgent. This ticket ended up being close stating no trouble found. No members from IT called me to discuss this. 

First IT ticket : XX/XX/XXXX Supervisor submitted Second IT Ticket : XX/XX/XXXX Agent requested email to supervisor. 

Spoke with Agents and requested IT ticket - Unknown original agent information as no notes were placed on the account. 

XXXX ID : XXXX - customer care agent, was rude while on the phone refusing to transfer me to the escalation team. 
XXXX ID XXXX - asked to open IT ticket for payment error, no ticket was opened XX/XX/XXXX ID XXXX- Same request to open a ticket but one was not opened. 
XX/XX/XXXX ID XXXX - requested IT ticket and to escalate, was transferred back to another customer care rep not the escalation line. 

XX/XX/XXXX - Spoke with Customer service agent who refused to escalate me prior to reading all the notes and then was given permission to escalate. Took 15 minutes, I requested he see that in the notes I spoke with XXXX on XX/XX/XXXX in the escalation department and should just transfer me. Spoke with XXXX in escalations who reached out to XXXX. XXXX and their manager rebuilt my profile and asked me to try processing a payment again. I attempted using the app and got the same error advising my routing number or account numebr are invalid. XXXX submitted a new IT ticket since the original was closed saying no issue on there end. XXXX then transferred me to Leasing department agent XXXX XXXX who stated " '' Doesnt have an ID '' and is not licensed in NYS. Said he was unable to notate my account he didn't have the ability then instantly mentioned he could try to note the account advising I have called in and would not be making my monthly payment but that he could confirm this probably will affect my month to month billing history and not meet the 12 months in a row for lending options to open up.

I advised I would be starting legal action against them. 

XX/XX/XXXX - spoke with customer care and escalations team, no update on IT ticket, still unable to process payment online. Advised I have until XXXX XXXX  EST to pay XXXX the automated phone system or by XXXX XXXX EST with an agent on the phone. Advised I would try the phone system at XXXX XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Commenity New York and Company Bank Card. On XX/XX/2021 my balance was XXXX. I made that payment bringing my balance to XXXX. On XX/XX/2021 I was charged interest of {$1.00} and then on XX/XX/2021 I was charged a late of XXXX. I was not aware that these charges were occuring as again the XXXX paid the balance off. I called the company requesting to have those late fees waived and the representative haggled me and tried to negotiate, but was unwilling to waive all of the fees. They have been charging me XXXX finance charges and late fees for four months. This has also been reported to the credit as if I'm late on paying for services/credit obtained by them. All of this for a XXXX finance charge AFTER I had paid the account to a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Carrington Mortgage company since XXXX. They kept telling me my payments were returned when they weren't and when I got XXXX and signed up for the Covid assistance they never once called be to tell me I was denied! They said I should of called them! I was told I was approved and sent a letter stating my forbearance was over and how did I wish to repay the money. I filled out paperwork asking it to be put on end of loan just like they talked me through! They reported me falsely to the credit bureaus the whole time and I had to " according to them take out a 2nd loan which was 2 times what I owed! Then on XX/XX/XXXX I called them to let them know the devastating news that my house burnt down and I lost everything just for them a month later to turn around and sell my loan! I couldn't believe it! I'm asking something please be sone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I came to the Bank of America ATM and tried depositing {$370.00} and it accepted {$170.00} and gave me back some money so I reentered the rest of my money and the screen said it could not process my request and to enter the additional money I put it and I typed the extra {$200.00} that I deposited and the screen said transaction canceled so it did not give me any money back nor did it complete my cash deposit to my checking account.

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 2021-07-26
Company: EQUIFAX, 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on new home XXXX, XXXX, XXXX. XXXX XXXX XXXX Bank underwrote the mortgage and assigned it to NationStar aka XXXX XXXX for mortgage servicing. The first mortgage payment is due in XXXX weeks but I have not received any information from NationStar such as : account number, contact information, or any other information about available methods for making the mortgage payments. I have serious concerns about this servicer. So many negative online reviews and complaints about NationStar including negligence, gross errors and fee demands for missed payments and such. I need to know what legal means I can use to be sure I have an appropriately set up account, appropriate 'due ' dates and secure, efficient method to make timely mortgage payments. I have emailed the XXXX XXXX XXXX bank mortgage broker and my attorney for additional assistance. Please advise re further options to expedite the NationStar loan servicing issues. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is holding 6 of my monthly payments in their Suspense Balance. I have paid my payments on time and always have, I also try to be at least one month ahead. 
So far I have not been charged any late fees but at the same time my payments have not been credited in timely manner. I can not help but think that this allows the mortgage company to collect interest and pad their pockets at my expense. 
Because of being scammed and hacked I had to file bankruptcy. My house is not included in the bankruptcy and the mortgage company refuses to talk with me to clear this up. They hide behind the bankruptcy excuse. 
Up until now Rocket Mortgage has been wonderful to work with, not anymore! 
I feel that I am being treated very unfairly. I am happy to provide documentation and explain in more detail what has been going on but based on the parameters stated above it would require much more detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a business acct for XXXX XXXX. The Original fraudulent charge happened XX/XX/22, and there were three charges. I filed the Unauthrozied ACH Fraud Form, had the acct closed, and opened a new one. THe amount on this acct ending in XXXX, ended up being {$11000.00}, actually almost {$14000.00}. We happened to intercept it before the addtl {$3000.00}. I have been dealing with BOFA for nearly over a year. I have written a letter to them showing that only 2 people in my company proven my our corporate paperwork filed with them are allowed to make any decisons, and neither one of those 2 authorized these charges. I filed a police report as advised by another originating bank on a separate fraudelent charge on another account. I sent them our corporate paperwork. I have even reached out to the originating bank on this particular charge, of which thier letterhead shows no company name, spells our company name wrong, and a variety of information on the letter is incorrect though they claim that thier charge is valid. Here we are a year later still fighting the validity of a fraudelent charge that i have time after time proven is NOT VALID and is in fact FRAUD. BOFA keeps telling me that they are escalating it, and they will respond and then what hapens is i get a letter stating that they originating bank denied my claim, and i open it up again. Actually one of the times i called, BOFA told me i should hire a lawyer, and yet here i AM only because the hunt for a laywer is a lot harder than writiing a letter. I need help retrieving our funds as it does not seem our bank wants to do thier job in retrieving our money. I have made several phone calls, talked to several people, written several letters, and done so much work on this over a year. I have not been supported by my bank, and this has been a longer process than it hsould have been. I understand how banks, and all the nonsense in the middle works however there is no excuse for this.

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 2023-07-20
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
OAG CHILD SU XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of buying a home. My lender pulled credit on XX/XX/2022 at the start of the loan process. My credit score was over XXXX. I was approved for the loan, and 7 day prior to closing the lender does a 2nd credit check to make sure no new debt has been issued or applied for. When they pulled my credit my score had dropped over 100 pts. Come to find out XXXX XXXX XXXX had put a collection on my credit reports in behalf of XXXX XXXX XXXX. After further investigation through conversations with XXXX XXXX XXXX I found out that someone had used my social to open a cell phone account with XXXX XXXX XXXX using a different address, a different email address, and a different phone number. I had no idea this took place and still don't understand how that happened let alone how XXXX XXXX XXXX allowed it because I have had an active account with them for years in good standing. They already had all my information. 

After speaking with the XXXX XXXX XXXX representative they said I would need to get with Credence Resource Management because they were the ones reporting on my credit report. I contacted them and they verified that I never received any information about the account because they were sending to different address, with a different email, and different phone. I never received any Dunning letter, or was ever notified that this Fraudulent account existed.

Explaining that I needed to close on this house this week, they said they would have me a letter within 24 hours. When I didn't receive it and called back they told me it could take up to 48 hours. Then today they are telling me 2 weeks.

Here is my problem... I have a {$100000.00} in escrow at risk if I don't close on this loan on time. All my contingency time periods have passed. Because this is a conventional loan my interest rate went from a 6.25 % to 8.125 % This mistake an unwillingness to act is going to be very expensive because I will not be able to refinance out of that rate for 12 months.

I can choose to not close and lose my earnest money of {$100000.00} or take the higher rate at a cost of just under {$5000.00} over the 12 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, XXXX. XXXX took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.

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 2021-07-26
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a prepaid Mastercard through MyPrepaidCenter.com - on my paperwork, under the section " Fees Associated with This Card '' it lists a Check Request Fee of {$10.00} and I have been attempting to request a check for the amount of this card, but I have spent much time and have been unable to get ahold of anyone from this company or to actually request a check. Their automated phone system ( XXXX ) does not give me an option to request a check and it also does not give me the option to talk to an actual person, it has just repeatedly disconnected me. I have also attempted to request a check through their website but it gives me no option to do so or to contact them any way other than through the automated phone system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX obtained a loan by using XXXX XXXX XXXX XXXX. to secure it. Her account w/Nationstar Mrtg acct is set up so that it collects additional funds and it sends payment to the Tax Collector. Said property was placed in a Trust and that is when an error occurred in the classification by the Tax Collector that caused a higher tax amount to be due. Nationstar began to bill for the higher amount. I wrote Nationstar and provided proof of the error and acknowledgment by the Tax Collector that the error is being fixed and advised Nationstar that the mortgage payment, which includes the regular amount for the property taxes will continue to be paid but that we will not pay the extra tax amount and that we will deal directly with the Tax Collector. In addition, I requested information about the insurance that Nationstart is paying and asked if Nationstar placed the insurance on the account because I want a different insurance company and it never responded to that either. Nationstar ignored our letter and never responded it to. Mr. Copper Mortgage  bought out Nationstar and continue to bill the higher amount. Nationstar nor Mr. Copper have responded to the first letter wherein a request was made that they correct their records and stop threatening to start foreclosure. They did not. Mr. Copper sent a letter providing a point of contact but it did not address the letter. We faxed the letter along w/anew letter to Mr. Cooper. Again, it failed to address any of our concerns. But it did begin to harass us. It began to collect a debt that it did not have the right to collect. I also continues to send out delinquent statements. The latest communication from Mr. Cooper was a threat to start foreclose if the total amount " due '' was not paid by XX/XX/17. Since Mr. Cooper has not corrected the account and has set a due date to start foreclosure, we paid most of the money they demanded be paid. It is now in their account earning interest. We do not owe the amount to the Tax Collector. In fact, I received an email confirming that the error has been corrected. More than 4 written communications have been made to no avail. Why does Nationstar/Mr. Cooper think it can threaten to start or start foreclosure for unpaid taxes? ( That are n't even due! ) I believe they are doing to this to many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Amsher Collection Services, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, I received a notification on my XXXX XXXX and XXXX app that a collection was listed on credit report. 

I looked into the details, and it said I owed {$2100.00} dollars to T-Mobile. I have never used T-Mobile in my life, my first phone account was with XXXX. I immediately knew this had to be fraud. 

I contacted my local police department and notified XXXX of this fraud on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation