BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had nothing but problems with Carrington Mortgage dating back to XX/XX/XXXX. My husband lost his job in XX/XX/XXXX and we struggled to make our XX/XX/XXXX house payment. Called Carrington for help only to get the response you are not currently late so we cant help you. And so the process begins. After missing a few payments, we filed for a loan modification ( nightmare ). It took over 6 months to get the modification approved and meanwhile we fell further behind in our payments. I had to do the modification twice in order for it to be approved. I called Carrington every week during this process and received different answers every time I called. Foreclosure notices began arriving when I was told that wouldnt happen during the modification process. Again, different answer whenever I called. Modification finally got approved in XX/XX/XXXX but it has taken Carrington over 3 months to complete the process on their end. Meanwhile I have made our new payment amounts, per our approved modification, for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time every month. Yesterday, XX/XX/XXXX I received a foreclosure notice for failure to make the past 3 months payments. I called Carrington and was assured my mortgage was current and to disregard the letter. I then asked if they reported me as late to the credit bureaus. I was informed it was not reported as late. After hanging up the phone I checked the credit report and sure enough they did report it as late for the last 3 months. I immediately called back and the person I spoke to said it was reported as late because I was late-bull!! He said I needed to write a letter to their customer research department asking them in investigate it. I said why should I have to do that when I am not late, you ( Carrington ) need to fix it not me. He ignored all my questions and just kept trying to give me a fax number. Not getting anywhere with him I hung up and called again asking to speak to a supervisor. I was put on hold for several minutes and the same person came back on the phone and told me there was nothing they could do by phone. I am fuming at this point and insisted on speaking to the supervisor. Not sure who I actually got transferred to but she said they could fix it but she would need me to fax my credit report. I said you can just easily pull it up yourself and she said I cant do that. I said youre a mortgage company you pull credit reports all the time. She said she couldnt help unless I fax it. So in just 1 hour I received 4 different responses from 4 different people! This has been the way its been for the past year, nothing but problems and hassled from Carrington employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this once and received a response from IC System stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX XXXX XXXX, I have gotten no where with them to remove the tradeline entirely. See attached documentation - IC system responded to my complaint to remove it and I have the letter from IC system stating this is to be removed completely. XXXX XXXX XXXX have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.

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 2021-08-11
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I began the process of a mortgage refinance in XX/XX/2021. Two key individuals I was working with suddenly disappeared, eventually I was contacted by two new individuals and I had to resubmit many of the same documents like starting over. Discussions and agreements with the prior individuals did not carry over to the new ones. The entire process has been confusing and highly frustrating. I FINALLY signed the closing documents on XX/XX/XXXX, both my current mortgage and auto loans were to be paid in full. Neither has yet occurred. Ive received no communications regarding status. I emailed them on XX/XX/XXXX requesting status update, no response from either. Today I called and left voicemails and emailed them and another individual involved with the loan process. I am very worried. Ive never done a mortgage refinance that involved so many problems and took 8 months ( and counting ) to complete. This one is still not complete. I can not reach anyone. Im very worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting 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:
Chase bank has flooded my credit with hard inquiries without my consent. It is hurting my credit reputation. I am asking that JPMC removes all these inquiries. 
Chase has been sending me all kinds of new car promotions and I dont want one. 

JPMCB AUTO FINANCE ( Bank ) XXXX XXXX XXXX  JPMCB CARD SERVICES ( Bank ) XX/XX/ JPMCB AUTO FINANCE ( Bank ) XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX JPMCB CARD SERVICES ( Bank XXXX  XX/XX/2022 Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with Experian, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 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 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 2020-06-02
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I 've been trying to refinance my loan with Nationstar Mortgage for about a year. I 've put in a request on their website several times, only not to get a response. Finally, I called the XXXX number for Nationstar Mortgage. I finally spoke with someone that took my mortgage refinance application online. I was n't charged an application fee or no upfront charges. I have a XXXX credit score with excellent income, over $ XXXX a year. The current loan is an adjustable rate loan and I was trying to refinance to a fixed rate loan. At every junction, it seem as though they were n't interested. I 've never been late on the loan in XXXX years, so they have no incentive to refinance, because it 's in their best interest to leave the rate as is. But, after several conversations with XXXX XXXX XXXX XXXX, I began to feel like I was purposely being discriminated against. I have audio recordings of our conversation that suggest such as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase, the digital currency exchange, has continued to neglect the crediting of BCH ( Bitcoin Cash  ) after months of claiming the following to their customers in their BCH FAQ : What if I sent BCH to my Coinbase BTC wallet after the fork, but before Coinbase added support for Bitcoin Cash?

Any BCH sent to your Coinbase account addresses has been credited to your new BCH wallet.

The above scenario explains my situation. However, I have not been credited the BCH which was sent to my Coinbase address after the fork, but before Coinbase added support for Bitcoin Cash.

I have had a support ticket open with Coinbase since XX/XX/17 for this specific issue. On XX/XX/17, Coinbase Support requested that I provide the Tx ID ( Transaction ID ) for the transaction, which I promptly provided. I have followed up with them three times since providing the transaction details and have not received an update other than " we're still working on this '' or " I still dont have an update for you, sorry! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit was pulled I have not authorized my credit to be pulled XXXX XXXX, XXXX 2019. 
My credit score has dropped 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CCS Financial Services, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received the attached correspondence from XXXX XXXX XXXX. I have not lived in XXXX XXXX since 2015, and I have not drove since then - I never had XXXX XXXX insurance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was current on my mortgage at the time and it is not included in the bankruptcy trustee payment - I continue to send payments to my loan servicer. 

Pennymac XXXX, my loan servicer, added itself to my bankruptcy as a creditor for an arrearage of {$440.00} that was mistakenly paid to my previous FHA loan servicer, XXXX XXXX XXXX, and was supposed to be paid to Pennymac by XXXX. 

Pennymac began engaging in misuse of a suspense account for my mortgage in XX/XX/XXXX - prior to that time, once partial payments totaled a full payment, they were applied. I get paperless statements and their website was frequently nonoperational over the summer, so until I received a notice that my mortgage was over 45 days past due, I did not find out that Pennymac had stopped applying payments from suspense once the full amount was reached. I spoke with Pennymac to ask them to release the funds as they always had in the past. 

I calculated the amount needed to make up the shortfall to 2 full payments ( {$580.00} ) and paid that on XX/XX/XXXX, expecting to XXXX  out the suspense account once and for all. This payment did not show up on my account - in fact, I was not able to access my recent account activity or monthly statement for XX/XX/XXXX. 

When I called Pennymac, I was told they were switching systems and payments and statements were delayed. Customers received no notification of this. 

Imagine my consternation when I was finally able to access the statement on XX/XX/XXXX ( though Pennymac dated it XX/XX/XXXX ), and found that the suspense account still had funds in it ... minus the {$440.00} ( actually, {$440.00}, due to weird accounting practice of adding {$0.00} to the suspense account every so often ) that is due to Pennymac as part of my bankruptcy. This money was to come from the trustee, not from me directly, and certainly not from my suspense account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 in my credit report that I do not recognize them

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 2015-06-15
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was wrongly foreclosed on in XXXX, and was included in the National Mortgage Settlement class in XXXX. 

In accordance with the terms of the National Mortgage Settlement, I received a cash payment, and the foreclosure was removed from my credit history. 

However, Nationstar referred repeatedly to this foreclosure in refusing to grant me a refinancing in XXXX XXXX. Of course, no record of the foreclosure exists in the databases of the XXXX reporting agencies Nationstar used : XXXX, XXXX XXXX or XXXX. Instead, Nationstar cited some other record, document, " fraud report '' or such proving the foreclosure, although, as recently as last week, they have continued to refuse to show me the document, precisely describe it or tell me where they 'd found it. 

I have made numerous requests for this documentation, and have also gone to great lengths with several members of the Nationstar sales and customer relations teams to establish my membership in the National Mortgage Settlement class and even to explain the Settlement. Most of my inquiries have been met with silence, or occasionally an email which completely ignores the Settlement and my claims with relation to it. On several occasions, Nationstar representatives pretended not to know what the Settlement was. 

I was able to refinance successfully with XXXX XXXX in XXXX XXXX, at favorable rates. XXXX, which also uses the XXXX above-named reporting firms, did not find any problems with my history and made no mention of the foreclosure, incidentally. 

Do I have any recourse? Will financial firms continue to be able to deny me financing on the basis of a foreclosure that should have been removed from my credit history? Or is Nationstar in the wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Navient Solutions, LLC.
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Comenity Bank/Now XXXX XXXX I have a credit card with this company. I had a 2 couch purchase in XXXX  with 0 % interest for 4 years. I have diligently paid every month for that time. My balance was down to {$100.00} the final month for which payment was due XX/XX/XXXX. My minimum payment was {$530.00}. I paid {$600.00}. Every month I pay the minimum payment and money is applied to the Promotional balance. In XXXX, {$76.00} was applied from my payment which was lower than XXXX. I figured with my paying {$65.00} over the minimum due, that that would cover the remaining {$100.00}. I called the institution on XX/XX/XXXXXXXX  to make sure that my {$600.00} payment covered the promotional balance due. I was assured in no uncertain terms ( twice ) that it DID cover the promotional balance. I asked for this to be notated on their system. The representative stated that ALL calls are notated. Today, on XX/XX/XXXXXXXX  I received my XXXX statement that was mailed on XX/XX/XXXX, stating that I still owed {$28.00} on the promotional balance and that it was due on XX/XX/XXXX. This would mean that I will likely be charged 4 figures in interest dating back to XXXX. I was diligent with the payments on this account. I verified I covered the balance, yet, this happens. 

Let me add that the XXXX statement reads as follows : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan WV INT XXXX XXXX XXXX of {$100.00} by XX/XX/XXXX any remaining balance will be assessed interest at the standard purchase APR. '' In the XXXX statement, the verbiage is changed : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan XXXX XXXX XXXX XXXX balance of {$28.00} by XX/XX/XXXXXXXX  any remaining balance will be assessed interest at the standard purchase APR. This payment needs to be IN ADDITION to your minimum payment due. Then there was some language about automated payments, which I do not have. 

The company never makes clear what amount would be necessary to pay off the promotional balance, while keeping in mind that even minimum payments have funds applied to the promotional balance. It is funny how there never was verbiage about the payment needing to be done IN ADDITION to your minimum payment due on XXXX 's statement. Also, note that the statement was mailed on XX/XX/XXXX for a payment that was due XX/XX/XXXX. 

Bottom line : I was assured on XX/XX/XXXXXXXX  that my payment of {$600.00} covered the promotional balance. I called the institution today and voiced my complaint. They stated that they have filed a grievance on my behalf and would receive a mailed answer in 7-10 days. This is my second issue with this CC company. I am going to find another CC company to transfer my balance to once they have corrected this obvious mistake. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One is reporting incorrect information on my credit report In XX/XX/2018 I notified them that I was turning my debt over to a credit counseling company. XXXX XXXX XXXX. They negotiated with Capital one on 2 accounts a fixed monthly payment and Capital one has been paid each and every month. They accepted this payment arrangement, which was supposed to cease all collection of past due amounts and to lower my interest rates. But now they want to report me as being late on continuous months with the credit bureaus Now I am forced to file this complaint as well as get legal assistance to sue Capital one for frivolous reporting. I could have simply defaulted on this but I did not want to do that but yet they do this to me. I may consider taking them out of the program and they get nothing if this is how they conduct business. Once again a prime example of a big company trying to take advantage of the little consumer. They are just dirty and can not be trusted.

Company response to consumer: Closed with non-monetary relief