BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
. I have been back and forth with the bankruptcy department to look into these matters on numerous occasions and it seems like things are still not fixed. In XX/XX/2019 I received a statement showing my escrow account was negative and my payment was going to increase to {$1800.00}. I contacted this department and after 2 weeks, making a CFPB complaint and making several attempts to correct the issued, it was resolved and discovered there was an error on my escrow alaysis so an off cycle was requested. My monthly mortgage payment was fixed and back to {$1300.00}. I have now been sending in {$1300.00} as accepted through two representatives with that amount. Below is a statement from LakeView who sent me showing my payment due date, amount past due and current charges on the loan and showing the date these withdraws have been completed. I should only be showing due for XX/XX/XXXX payment due in the amount of {$1300.00} plus late charges and fees. I have spoken with two representatives who were extremely rude, and talked down to me and refused to walk me through what they were saying. They stated its not their job to walk me through anything and the account is behind. One rep actually argued with me the entire time on the phone. One by the name of XXXX who actually was the one who incorrectly escrowed my account and refused to look into it then it the same one REFUSING to look at my payment history. I have been placed on  hold and basically shown that I dont matter as a consumer and that there is no care in the world. Ive asked to speak with managers multiple times and they stated they didnt know when they could talk and that they had things they were doing and would get back to me whenever they felt like it. I am now requesting this in writing as what was mentioned that I need a pay history, and updated explanation on why its showing Im due for XXXX and why my payments are not being applied to my mortgage corrected if this is my statement received. Please look at the documents below proving Ive made my payments and the dates they were made and this statement. My bankruptcy cases is going to be discharged and I need this corrected so I can reaffirm my mortgage. This servicer refuses to work with customers in bankruptcy and has NO indication of my payment amount that theyve been accepting. Now that I want to reaffirm my mortgage they all of a sudden say Im three months passed due, even though the statement is showing otherwise. This servicer should not be allowed to be working with loans. After hours on hold, being talked down to and mislead nothing has been resolved.

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 2019-02-04
Company: World Omni Financial Corp.
State: FL
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:
Credit Reporting companies are reporting that I have 30 days late of a payment that I made to Setf. 
I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, 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 company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. EQUIFAX also reported accounts from XXXX XXXX XXXX opened last XX/XX/XXXX and account with XXXX XXXX reported opened last XX/XX/XXXX. These are not my accounts. I am a victim of this credit bureau 's mixed up files. Furthermore, there had been inquiries reported that donot belong on my credit report. Inquiries XXXX XXXX  last XX/XX/XXXXand XX/XX/XXXX, XXXX pulled last XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX pulled last XX/XX/XXXX and an inquiry by XXXX XXXX pulled last XX/XX/XXXX and XX/XX/XXXX. Attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: AMERICAN HONDA FINANCE CORP
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 
XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I have said I have never been to any hospital or used and medical services. Lost my wallet awhile back and got a replacement i.d maybe someone used my i.d at a hospital. Either way this was not me or is not my debt. Stop reporting on this fraudulent debt. 

XXXX XXXX XXXX/CHARGEOFFOther {$710.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name GOLDKEY CRED Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account XXXX Years, XXXX  Months Credit Limit Not Reported Highest Balance {$710.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They mail me a letter and I told them that I couldn'tsee send no money with no incomeand no job how can a personpay a old bill and not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have opened multiple times of multiple dispute cases for XXXX unauthorized charges on my American Express Serve Prepaid Debit card since XX/XX/2021. They declined the dispute cases every time without any explanation. What worse is they permanently suspended my account after they declined my dispute on XX/XX/2021 because I keeping re-open those dispute cases after they declined me. I can not open any dispute cases any more and get my money back because of permanently suspended my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Avantus, LLC
State: MD
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 submitted several disputes to XXXX  regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with XXXX and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am moving across the country and applying for apartments. I had placed freezes on my credit at all 3 agencies due to the EquiFax breach in XX/XX/XXXX. As I was removing the freezes ( XX/XX/XXXX-XX/XX/XXXX ), I was verifying my personal information. EquiFax had an old address listed as my current ( XX/XX/XXXX ). I inquired about how I can update it and EquiFax customer service instructed me to fax a utility bill, social security card, drivers licenses and cover sheet to XXXX. I was informed it would take 48hrs to process. I completed and recieved a fax confirmation on at XXXX PST on XX/XX/XXXX. I informed the apartment management company and they agreed to wait until XX/XX/XXXX to run their inquiry. I phoned EquiFax the morning of XX/XX/XXXX to ensure the address was updated. I was informed it was not and there were no documents uploaded to the system. I was on the phone with 8 different EquiFax representatives over the course of 3 hours and on one could help me. I was finally transferred to a manager, XXXX, who performed the same actions as the previous 7 EquiFax employees and, again, could not help me. I inquired about speaking to his supervisor and was told it was not possible and he proceeded to terminate the phone call, against my wishes, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contesting an incorrect debt in the amount of {$64.00} that was sent to a Collections Agency/Attorney 's Office ( Aldous and Associates Attorneys at Law of Holliday, UT XXXX. I have contested the debt with the original vendor ( XXXX XXXX in XXXX and XXXX of 2020, as well as XXXX of 2020 XXXX, and my credit card company XXXX XXXX XXXX XXXX contested the incorrect charge of {$22.00} XXXX XX/XX/2020 XXXX which was an auto payment for a membership service incorrectly and unfairly applied due to Covid shutdown ). I have filed complaints with the Colorado and Utah Attorney General 's Offices, as well as with the Utah Consumer Protection office. I have also filed an official collections refusal with the collections agency on XXXX XX/XX/XXXX. I have not been able to clear the incorrect debt ( there is no debt owed, the original company charged my card incorrectly for a monthly membership due during the Covid shutdown ). I receive calls from the Attorney 's office XXXX times per day, usually without a voicemail, they call at all hours, including weekends. The original company claiming the debt XXXX XXXX XXXX XXXX has not responded to any of my attempts to clear the incorrectly reported debt as it is " in the hands of collections now. '' I am requesting this incorrect debt be cleared to {$0.00} and the phone calls to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Sometime between XX/XX/XXXX and XX/XX/XXXX I redeemed XXXX points for a {$50.00} XXXX XXXX for a XX/XX/XXXX XXXX XXXX cruise. XXXX hit an my cruise was cancelled. 
I was finally able to rebook my cruise for XX/XX/XXXX and as of today the {$50.00} credit hasn't posted to my new booking. I contacted XXXX XXXX and they indicated they can resolve the issue if Bank of America provides me with the transaction id associated with the redemption. Bank of America only retains redemption records for 18 months and is unable to provide me with the necessary information to use my {$50.00} Credit. Additionally their online statements which have an 8 year retention period don't include this required information for me to provide their XXXX. Understanding that XXXX was an unpredictable circumstance and in a normal circumstance an 18 month retention of rewards redemptions may be sufficient ; I have concerns that significantly more customers besides myself have been impacted by this scenario and may not even realize it. And for those that do recognize the error Bank of America isn't equipped to resolve and remediate the issue. I requested a courtesy adjustment of the XXXX points so I could just re-redeem in lieu of the transaction id and I was advised it could take months to research. I've attached my statement as evidence of the redemption and lack of critical information needed to work with their partner on resolution.

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 2017-08-22
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi! I would like to know if there is a statute of limitations for the OCWEN Settlement ( XXXX XXXX XXXX ) since I was never notified by the law firm though I should have been notified and included in the class. Please let me know. I would love to hear from you. Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: IL
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:
The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/XXXX Called XXXX about return, was told we would receive a return label.

XX/XX/XXXX Called XXXX about return, was told we should have received return label.

XX/XX/XXXX Followed up on return label, since we have n't heard anything back. Was told that it was passed the deadline to return. Informed representative that we had contacted XXXX in XX/XX/XXXX, and never received return labels. Was informed the case would be forwarded to supervisor. 

XX/XX/XXXX Received a callback from supervisor and informed that they would be sending return labels. Finally received return labels from XXXX  and sent the items back for a refund.

XX/XX/XXXX Called XXXX about return and said supervisor will give call back Never received a call back XX/XX/XXXX Called XXXX, again was informed a supervisor would call back. XX/XX/XXXX  Opened dispute with Chase because the items were never refunded. 

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Send in documentation as requested by chase.

XX/XX/XXXX Called Chase and was informed that we would receive a callback from dispute department upon review of materials.

However, we received a letter stating the case was closed without any further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been locked out of my Coinbase account since XX/XX/XXXX. The reason being Coinbase will not accept the codes ( XXXX ) my Authenticator app is generating. 

I 've tried verifying my ID with Coinbase since then, following instructions and all troubleshooting tips but my ID verification will not pass through their website. On the same day, I emailed customer support for help and asked if I can email documents, pictures and IDs to confirm my identity. I even asked them to change the XXXX to my cell phone number so that I can regain access to my account. 

No actions have been taken by the company except to provide troubleshooting tips and an email on XXXX XXXX to say they 're working on the matter. 

It has been 2 weeks since I 've lost access to my acccount. I 've tried reaching out for a follow up on the XXXX, XXXX, XXXX and the XXXX. All follow ups have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX, I found out that my Synchrony Home Credit Card credit was being lowered due to outstanding balances/revolving debt. This is due to Covid 19 and the fact that my money seems to come when it feels like it. At minimum, I am making payments on time. On XX/XX/2021 when I went on Synchrony Home Credit Card 's website, it indicated that my account was closed. What is going on? I am being penalized for paying on time or paying the minimum balance? If this company really looked at my credit, they would see that I am paying down my debt and they are next. I really do not think that this is fair considering that I never missed a payment but I am being held accountable due to Covid 19.

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 2018-01-23
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XX/XX/XXXX I place a order for XXXX $ of Bitcoins - I submitted my bitcoins to be transferred to another account - When I finalized my submission " after the sent was already initialized '' Coinbase gave me a confirmation on the website saying the fees total for sending my bitcoins was more vaule of what I owned.. 

How the heck can coinbase even do a transaction like this? I can name numerous sites and their partners that will not allow this to happen.. XXXX even 3rd world parties exchanges based in fraud-ville XXXX has better consumer protection. 

Coinbase has NO CONSUMER PROTECTION WHAT SO EVER " Oh yeah.. btw I did get my transaction completed.. like XXXX cents negative. '' Coinbase partner " XXXX '' they will reject your transaction to send if the amount is above of what you own and will allow you to adjust it.. So how the XXXX can a small mom amd pops business made by college kids in their XXXX can developed some type of consumer protection while Coinbase can not even conceived this?! Is this a loop hole they are using to steal bitcoins? This is serious by far! How many Currency exchange " ANY WHERE THE WORLD '' will allow this to happen to a customer? probably none.. 

They need to cease all transaction till they can fix this and protect the consumer first instead of filling their wallets .... I bet you didnt know Coinbase has their own bitcoin miners.. LOL LOL wow.. man.. another XXXX exchange.. .. and this one is in the USA.. XXXX I get better services out my XXXX based exchange.. this is sad by FAR!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notice from XXXX XXXX stating I owe a debt. The original creditor was XXXX XXXX. 

I explained to XXXX XXXX on more than occasion that I did n't have a XXXX account and never have I ever had a XXXX account. 

This has been going on for about a year now. I reach out to XXXX XXXX and explain the situation. They did an investigation and found that what I said was the truth. 

They send me there finding from that investigation, and I sent the same letter to XXXX XXXX proving that I had nothing to do with this account, yet they refuse to remove this negative account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
After closing and funding, I had a remainder balance in escrow of {$1400.00}. Loancare told me that would be my refund. After closing and funding dates, Loancare decided to charge me my PMI, AFTER CLOSE, and states that there is nothing I can do about it. GO ahead and sue them is what they said. No money is to be charged after closing, it's the law!

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