BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage ( # XXXX, XXXX XXXX XXXX, XXXX XXXX serviced through " My loan care ''. The property was sold on XX/XX/XXXX. Release of mortgage was not filed until XX/XX/XXXX. Received a letter from the attorney XXXX XX/XX/XXXX ) of the purchasers of the house saying that the release of mortgage had not been filed. Called every phone number on their correspondence and any number I can find for the company through " XXXX  '' and got the same recorded message to either change my address or hear my 1098 info, with no option to talk to a human. Finally found an email address online for a research department for said bank ( XXXX XXXX Sent an email on XX/XX/XXXX. Received an automated response with a ticket # of XXXX on XX/XX/XXXX. 
Received an email on XX/XX/XXXX with an attached release of mortgage. Mortgage was filed in the wrong town ( XXXX, CT ) when the original mortgage and house reside in XXXX, CT, and with the wrong date. I, and my attorney have sent numerous emails since trying to get them to correct the error, and have received no response or correction.

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 2023-01-03
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I found an entry on the report from a debt collector which goes by the name of DIVERSIFIED ADJ SVCXXXX. Their address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Their phone number is listed as XXXX. The original creditor is from XXXX. 

I would also like this same complaint to be sent to XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX company is also listed on my credit report. There phone number is XXXX The original creditor is XXXXXXXX XXXX I was informed by a man from XXXX XXXX, which is a company that assists consumers correct inaccurate information off of their report, that a DEBT COLLECTOR can not collect this debt. He actually informed me that this practice of trying to collect this debt in their name is against the law, UNLAWFUL. 

I would like a response from this company justifying by law and preferably through the FAIR CREDIT REPORTING ACT. How their actions are justified. I am also demanding that it be removed from my credit report. I would also like to know who and the Credit Reporting Agencies allows this information on the reports and how it gets added to consumers reports. Who grants the authorizations to be placed on consumers reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 
My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ). 

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX  : Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX  XXXX : Account number : XXXX XXXX XXXX | XX/XX/XXXX You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response. Thanks

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 2019-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 I was approved for a Trial Mod based on the fact that I have good income and I am a XXXX Veteran. The reason I needed a loan mod to begin with was due to my wife XXXX  and XXXX XXXX. I fell behind on payments 4 years ago. I was on a plan and then fell off the payment schedule again because I became XXXX  and didn't know it. I could n't drive and felt sick most of the day. My friend drove me to the hospital and the VA docket got me on meds immediately or I could have died. With that said I was not in the right state of mind or health to make the payments. I have since consolidated my incomes to my Wells Fargo checking account so the money goes in one account and payments can be made to Wells Fargo automatically. However, they kicked me out of the 3 month Trial MOD and would not let me pay the last 2 payments. They made me go through an appeals process that denied me because I didn't show my new XXXX expenses. I DONT have any. The VA covers it. MY income is the same my expenses are the same and I was qualified before on the same information of income and expenses. They didn't even ready what happens and labeled this an expense issue. I am so disappointed. I am XXXX years old and was a XXXX in the XXXX with XXXX XXXX XXXX and I can make my payments. I can't help that I got sick. I live alone mostly and no one to help. Please help me stop the sale. I have equity and I can't lose my home. I can make my payments and have showed plenty of income. Please HELP me. 
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 2021-11-04
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX EDT To : XXXX Subject : Rocket Mortgage Loan To the Board of Directors of XXXX XXXX, My name is XXXX XXXX and I have a relationship with your firm that Ive enjoyed for a few years now. 

A few months ago I inquired about a home mortgage through your relationship with Rocket. I was only looking for a mortgage for about 50 % of my homes value. In the very first call I explained to XXXX XXXX that I did not carry wind insurance on my home and was this something they were ok with. Just Wind Insurance costs $ XXXX $ XXXX with a {$100000.00} deductible. He got back to me with the only state we require wind insurance is Hawaii. 

So we went down the road, I was satisfied with where we were going and moved more assets in to get more favorable pricing. A month or so goes by and I get a request for my wind policy. Needless to say I was upset. By then, I had dropped my processes with a couple of other lenders and now rates were rising. This has put me in a difficult position. I now have to pay an extra $ XXXX/year, ( which is a throwaway given the deductible ). Im sure XXXX did not do this on purpose, we all make mistakes. But the way its been handled has not been right. 

My processer, XXXX XXXX has been great. She did not know I had been told no wind insurance was required but totally understood my predicament. We spoke and I asked XXXX for a Quarter point reduction in the rate because of what Rocket had done to help offset the increased costs due to the Insurance requirement. They gave me the quarter point reduction but tacked the nearly point on to the closing costs, basically treating it as a buy down. XXXX apologized, knowing I was not looking to buy down. She reached out a few times to get some feedback but never received a response, then she was out for a few weeks but had told me someone would get in touch with me. No one did so I sent an email yesterday and after a few emails was told no way they are budging. By the correspondence, Im not sure they even understood I was not asking to waive the insurance, only the point. 

Ive tried to reach someone at XXXX, but always ended up with someone at Rocket. Rocket has little to lose, XXXX had no input from me because there was no one to speak with. So now Im faced with potentially having to transfer the assets out of XXXX to get a mortgage elsewhere at a higher rate, all due to Rocket. 

The last call yesterday a lady named XXXX XXXX got on the phone, was very nice and indicated shed be back to me by Monday. Im writing this as she is with Rocket and just wanted to ensure someone at XXXX had seen this. 

Ive attached some email correspondence ( there is more ) and would appreciate a response. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Two purchases were made with my Bank of America debit card in XX/XX/XXXX totaling {$360.00}. The first, on XX/XX/XXXX, totaled {$160.00} and the second, on XX/XX/XXXX totaled {$200.00}. Both charges were to XXXX. I submitted a claim to Bank of America on XX/XX/XXXX and was initially credited the money back. However when the claim was resolved on XX/XX/XXXX Bank of America determined that I was at fault and took the money back out of my account. I suspect my information was skimmed online off of one of the sites I use for shopping, and Bank of America essentially said that because it did not occur at an ATM, they did not believe me ( and because the amount was not high enough ). They did no original research, including contacting XXXX. 

I called XXXX myself and was able to determine that the address both purchases were shipped to was the same P.O. box in XXXX, Florida, and the representative expressed shock that XXXX 's system would not have flagged the order due to the " sketchy '' address. I have lived only in XXXX and XXXX XXXX within the last 10 years, and have not even visited Florida in many years. I was not able to get this information in writing, however, XXXX said they could release it if I came back with a subpoena. 

I submitted a dispute that same week in XX/XX/XXXX with Bank of America, outlining the new information I had received from XXXX. I was told I would receive an answer within 60 days. Well over 60 days later, on XX/XX/XXXX, I still had not heard any new information from the bank, so I called their fraud department to check in. The only information they were able to give me was that the claim had not been processed yet, but that they would put a note in my file and I could expect to hear again in 60 days. Needless to say, my confidence in their process is low. 

{$360.00} may not sound like a lot of money to some, however I am a full-time graduate student reliant on federal loans and low-paying part-time employment, and it would make a huge difference in my ability to pay rent this month. All else aside, I did not make those purchases, and Bank of America is responsible for protecting me from fraud.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should 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 XXXX XXXX XXXX after the date receipt by such agency of- ( 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 information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX  : {$790.00} ; XXXX XXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX XXXX {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX XXXX : {$680.00} ; 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

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 2019-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 am a victim of Identity Theft. 

Portfolio Recov is reporting on XXXX collection my credit file that is extremely damaging to my credit. i am getting no response from the collection agency reporting this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
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:
I did not get proof of investigation from prior disputes so now I want these items deleted by law since they credit bureaus failed to comply with my request I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
After making a payment on XXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi this XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ca XXXX Reference XXXX Suttell & hammer P.S. 
Call me XX/XX/XXXX He say I have debt collector in my name. 
I answer notI dont have I asked the last 4 numbers of the social he replied Wrong. last 4 number is not MachMine??

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 2018-05-12
Company: Lending Club Corp
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lending Club has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Penn Credit Corporation
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:
This was a XXXX XXXXXXXX bill from my college days. It was the responsibility of my roommate and I don't know how or why my information is on it for them to say I owed money. I called the company about it and the rep I spoke with said it would be removed if I paid it in full. They lied!!!! Its still on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
It started in XX/XX/2018, I scheduled a payment online through the company 's online portal. I verified in my bank it was scheduled to come out. A month went by and went online to pay again and i scheduled my payment. There was no information made available to.me that my payment in XXXX did not go through. In XXXX I attempted to pay online and was notified I could not. So I called caliber and was told I was in pre foreclosure to my shock. I still had not recieved a phone call, email, or physical mail saying I missed any payments. When I asked how much I was behind I informed them I did not have the full amount but could pay half. The employee on the phone directed me not submit half and to wait until I had the full amount. Once I collected the full amount I had my wife go to the bank to wire transfer the money she called caliber and was told it's to late you are in foreclosure. And again was directed not to submit payment. I called as soon as I could and was notified by a new employee both employees I had spoke with before were wrong and I could have submitted payment and stopped the process. I asked if sense that information result in the foreclosure process starting they could stop it and allow me to pay they said no. I was told to ask for a re reinstatement amount, which had jumped XXXX dollars in 2 weeks. I no longer had that amount to pay. I found away to get the money called and was told that figure is old there is a new amount and it had jumped another XXXX dollars in 2 days. I couldn't keep up asked for help and was denied and told I had to pay in full and that's the only thing they would accept. I am now facing a foreclosure because they wont work with me or anyone and I have spoken with attorney 's and at this point they say they dont believe they could help me in time. After only 3 missed payments I was Sent into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX I, XXXX XXXX, mailed a letter to National Credit Adjusters stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from National Credit Adjusters. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a customer with Coinbase. In XX/XX/2021, my account was locked and under review as i saw an error message on screen and clicked the support link to check about this. 
After dozens of emails and verifying myself, it was only unlocked the end of XX/XX/2021. 
When unlocked, i saw transaction, a withdrawal of {$40000.00}. My account was locked so it was not me. 
I sent another email to them and they locked my account again. For security reasons. It was locked when my investment was taken so i am not sure how this provides any security to my account. 
My case number is XXXX. 
Nobody will get back to me about this but they do send generic emails which asks for a bit more time. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a judgment on my credit file with Equifax. I filed a motion with the XXXX Court in XXXX XXXX, NJ to vacate the judgment. The motion was granted by the Court. 
I submitted copy of the final judgment to Equifax , so they could properly report it on my credit report. They sent me something that I believe they did n't bother to investigate with a final investigation result, when all they had to had to do with the copy I submitted was to contact the Court as to whether or not the court document submitted truly came from there. 
They simply concluded that the judgment shall remain in my file, when it has been vacated by the court in an oral argument in front of a judge. 
I want Equifax to respect court documents, when its people claim to be investigating a dispute, they have to do just that. I also want my credit file not to have a judgment, because it has been vacated by XXXX Court XXXX XXXX XXXX.

Company response to consumer: Closed with explanation