BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: MEGASTAR FINANCIAL CORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company is claiming I didn't make the payment. My bank shows payment was made and provided a confirmation number. 

This is what the lender said : Good afternoon Ms. XXXX, As we discussed on the phone, we have not seen your first loan payment. 



I can see on my system that the first payment of {$1300.00} was due on XX/XX/XXXX. I can also see that the first payment actually belongs to Megastar. Subsequent payments beginning XX/XX/2018 belong to XXXX XXXX. 



At this hour I do not see that we have received your first payment. I have copied Ms. XXXX XXXX on this email. She is very familiar with depositing receipts. She will be able to confirm when we receive your check and how your check will be applied to your loan. 



In the event your payment is for more than the required payment of {$1300.00} we will forward the excess funds to XXXX XXXX, referencing their loan number XXXX. 



As I said on the phone, we are real good at receiving, depositing and allocating our deposits. XXXX will reach out to you tomorrow to confirm the above and provide us with more information. 



Your attention to your loan is appreciated. 



XXXX XXXX XXXX Assistant Controller MegaStar Holdings XXXX XXXX XXXX XXXX, CO XXXX Direct : XXXX Main : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I just found out in the month of XX/XX/XXXX that their is a lien on my property from an account from Discover Bank since XX/XX/XXXX which is 9 years old. 

I have a homestead on my property which does not allow a lien unless it is a mechanics lien, which means part of a home improvement. 

A credit card is not a home improvement loan that can put a lien on my property. 

A normal credit card would generally be off my credit report within 7 years. 

I don't know how Discover Bank was allowed to receive a Judgment and lien on my personal home ( resident ) as I don't remember ever having a Discover Card. 

This was done illegally through deception of a Judgment. I understand a credit card can get a judgment. But not a lien on personal property. 

I don't remember ever having a Discover Card. This account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went through a divorce this past summer. My ex husband was paying the bills but come to find out when he left I was behind on my mortgage. When I got noticed of the sale date XX/XX/ I was shocked to find out what was going on. I'm not able to come up with the full reinstatement however I'm able to afford the contractual payments. I submitted a modification package and I've been following up with Ditech and the foreclosure attorney daily to get updates. On XX/XX/ Ditech advised me that a request to postpone the sale was sent to the foreclosure attorney and the mod package was sent to the investor. You can verify this call if you listen to the call that took place on XX/XX/. TodayXX/XX/XXXX I call Ditech and was advised that they will not postpone the sale but they still have a complete mod package. I feel that Ditech should honor their word and postpone the sale to allow the underwriters time to review my modification request.I feel that Ditech is holding up the review so they can take my house away from me. I'm requesting help and need assistance. Please listen to the calls because Ditech tells me on every call that the call is being recorded. They should honor their word and postpone the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Adler Wallach & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This dept is not owed I was in jail at the time when the account was opened. I have proof of incarceration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: OR
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 Fair Credit Reporting act this creditor has violated my rights under 15.USC. 16.81 section 602 states I have the right to privacy.

15 USC 16.81 section 604a section 2, states an credit agency can not furnish account information without my written instructions.

15 USC 1666b states that a creditor may not on an open credit card account treat a payment under an open consumer plan as late for any purpose.

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 2021-11-03
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: Public record information inaccurate

Complaint:
I sent a dispute letter to Equifax and XXXX XX/XX/2021, I recently review my report and noticed that for the public record bankruptcy listing does not show that this item has been marked as in dispute nor have I have any documentation stating that the bankruptcy has been processed I am requesting a full deletion per the FCRA as far as the 30 day time window to responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX, at XXXX XXXX., I contacted Experian regarding information that wasn't and was reported on my credit report. After I requested, I received my credit report from Experian during the week of XXXX. I noticed XXXX a creditor that I have an account with was not reported on this credit report. I request my credit report from all three credit bureaus every 6 months. This is the first time and only time XXXX was not reported on my credit file. I contacted Experian more than three times and was told from multiple agencies the creditor was not reporting the information and to call the creditor and ask them to furnish the information over to the Experian. I had already called XXXX and talked to the Manager name XXXX and reported to him my credit file was not being reported to Experian. I also inquired to Experian about disputing information that was in my credit file as well as adding past home addresses to my credit file. My previous home addresses was removed from my credit file. I have past credit reports with the addresses listed. Experian transferred me over to an agent name XXXX in the fraud department. They stated they couldn't add addresses to my credit file nor were they able to do anything about XXXX missing from my file. They didn't even mark my file as fraud. The last XXXX male I talked to didn't seem to want to talk to me. He had a very unpleasant attitude. Nothing was resolved with Experian. They are trying to sell Identity Theft monitoring more than protecting a consumers credit file.

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 2018-07-11
Company: Great Western Financial Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
Requested basic information from Great Western Home Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. Great Western ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. Great Western parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of XXXX. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Loan was taken out in 2008 for {$21000.00}. Have been paying on the acct. for 10 years & now the balance is $ 26,000+.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I made a wire transfer for {$500.00} from my XXXX account to a recipient 's Bank of America account. My bank account status is such that I am not charged for wire transfers. However, Bank of America rejected the wire transfer and charged me {$45.00} ( An undisclosed and unjust fee ) for it. I find this completely uncalled for and unfair because the recipient 's details were correct however, my bank informed me that Bank of America simply rejected the transfer.

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 2017-08-07
Company: Debt Recovery Solutions, LLC
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Debt Recovery Solutions XX/XX/XXXX to request validation of a collection that showed up on all 3 of my credit reports. Debt Recovery Solutions reported on all 3 credit reports that I owe {$160.00}. I 'm requesting that Debt Recovery Solutions remove this collection of my credit. The validation that they provided showed that I had a diagnosis code of XXXX ( XXXX XXXX ) and a 6 digit CPT code XXXX and that I owe {$160.00}. I 'm not sure where they received this information, however my emergency room visit for Date of Service of XX/XX/XXXX was n't XXXX XXXX and I do not owe the amount the stated. I 'm asking that this company remove my collection from my credit report immediately. I reviewed my medical record and billing statement with XXXX hospital which shows that Debt Recovery has somehow managed to provide me with incorrect information after I asked for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred my money via a bank wire from my personal bank : XXXX XXXX XXXX  on XX/XX/2018 in the amount of {$92000.00} to Coinbase. It has been an alarming 28 days since the wire date and I have not received my money into my Coinbase account! 

I have made more than 10 attempts to contact Coinbase over the past 3 weeks but I recieve the same scripted 5 word response : " We will or have escalated your request to our escalation team ''. But  NOTHING has been done. They initially said it would take 10 business days ... i feel this is just a made up number to buy themselves time. Coinbase has failed miserably in customer service and i am frightened that they have stolen my personal savings of {$92000.00}! 

I requested XXXX XXXX to recall my wire last week and they have since made 2 requests to Coinbase that have gone unanswered. 

I need CFPB 's help to recall my wire and receive my {$92000.00} back into my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: CITIBANK, N.A.
State: KY
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:
Back in XXXX of this year, I received a letter in the mail from Citi XXXX XXXX stating they have completed their investigation regarding my Office Depot account. In the letter, it states if I have other evidence that I would like them to consider in regards to my dispute please mail the supporting documentation. On XX/XX/2020 I mailed off further documentation providing more evidence that the item they're claiming I have has been picked up. I have not heard anything else from them since I mailed the letter off, yet I am still being charged on my credit card for an item I do not have. Earlier this year in XXXX I received a credit card from office depot with a {$1000.00} credit limit. When I received the card I went online and tried to place an order and it got declined. I'm thinking well maybe I entered some information in wrong so I went back and tried to complete a second-order that also got declined. After that, I gave customer service a call, which is awful by the way, and they had put a stop on my new card that I had never used before. Stating they thought it could be possible fraud due to the large amounts. The two orders only added up to about {$200.00} or {$300.00} dollars so I was confused about why they put a stop on my card. The customer service agent removed the stop and stated over the phone it was okay for me to start placing orders. What was NOT stated on the phone was the two previous orders I originally placed would go through. So now I've been charged for 3 desks and chairs. All items that I have been wrongfully charged for have been returned. I have no desk and only have 1 chair. All other items are returned. The chair amount is {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Checkr, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I moved to XXXX XXXX from California, XXXX a year ago ... i just bought a home here in XXXX ... .Im a XXXX XXXX, never been outside or worked outside california . Never been arrested and had any felonies ... .Well just bought a house so I need extra income from my XXXX job and so I applied to XXXX and XXXX ... and I worked for XXXX in XXXX XXXX about two years ago, drove with no problem ... I been applying for jobs, getting turned down and before me and my wife moved here we got turned down for a few rental homes also ... thinking I was just being scamed by the rental companies taking my application fees I never thought nothing of it, but I did send off fingerprints thru the FBI criminal investigations in West Virginia ... My fingerprints came up clear, no criminal history ... but when we get to XXXX I get turned down for XXXX and XXXX ... saying I had a public record for XXXX starting in XX/XX/XXXX tili XX/XX/XXXX ... .and spent most of those years in XXXX in ( XXXX , county ... Illinois ) ... now Im a XXXX XXXX XXXX with the XXXX and california credentials also ... .how in the XXXX this is possible I BEEN LIVING AND WORKING IN XXXX XXXX AND RAISING MY KIDS, before in XX/XX/XXXX I was in high school and worked my way up from a XXXX XXXX to a XXXX XXXX with XXXX and XXXX XXXX at XXXX stores in XXXX XXXX ... ... .The background system they used which seems to have the false information is ( CHECKR ) .... ( checkr ) ... they are based out of XXXX XXXX, California , ,, they have caused me to get turned down from jobs and housing ... I need this issue to be investigated ..I don't know if this is identity theft or mis information from the company that did the background checks ... .. 

Thanks sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Orions Management Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Someone by the name of XXXX XXXX contacted my job on XX/XX/2018 making claims he was verifying my employment. He then went on to threaten legal action against me on some account that was submitted to his office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I signed up for the American Express Starwood primarily for the XXXX  Starpoints offer if I spent {$3000.00} within 3 months. I had this card previously but reviewed the offer details and it did not indicate anything that would make me ineligible. We ( my wife and I ) began using the card and I checked the statement after we had spent the required amount in the required time but the bonus starpoints were not listed on the statement.

I called American Express on XX/XX/XXXX and after explaining the situation and a few people researched I was told I was not eligible due to the pervious card I had ( which had received a bonus at some point around XX/XX/XXXXand had been closed in XX/XX/XXXX ) with the company. I stated that no such statements were in the offer ( though I did look at their current offer and it did have that verbiage as of XX/XX/XXXX ) and I had all my paperwork which i review again and no exclusions were listed. Below is my interactions with American Express since that time : XX/XX/XXXX - Filed a complaint ( conf # XXXX  ) which would review the offer which could take 6-8 weeks but was told to call back in 4 weeks.

XX/XX/XXXX - Called for an update was told to fax/upload my offer paperwork and agreement XX/XX/XXXX- Uploaded 18 pages agreement - offer details, agreements, supplements etc.

XX/XX/XXXX- Called to confirm upload and was given new case id ( XXXX ) and was told to call back in a week for information XX/XX/XXXX- Called back and was told it will take 4-6 weeks to review XX/XX/XXXX - Called back was told still open and 'investigations ' take 6-8 weeks to review XX/XX/XXXX - Called back was told being worked on no update but would be emailed this month XX/XX/XXXX - Called back case still open but no definite timeframe to resolve but usually 2 billing cycles At this point i have no faith that anything is being done due to conflicting information on process, timeframes and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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:
Hello, 4, 30 day lates appear against my credit report, with XXXX, equifax and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved by the Homeowner 's Assistance Fund ( HAF ) in Florida for forward mortgage payments. I also had difficulties because of XXXX  last year and I had to put the past due at the back of my mortgage. Well HAF sent a check to Pennymac for {$18000.00} on XXXX and another payment for {$2100.00} on XXXX to cover my payment for XX/XX/XXXX. Well they received and documented the back pay of {$18000.00} but they have yet to apply the {$2100.00} payment for XXXX. I need this applied to my account ASAP. The sent me a letter indicating that my assistance was funded and over and it hasn't been because I will still receive 10 monthly mortgage payments of {$2100.00}. 

Also in XXXX, we were severely ill with XXXX. XXXX put me in a forbearance and assured me that they would take the late payment for XX/XX/XXXX and report it as NOT late. I have been on the phone continuously with them to rectify the situation and it still is showing late on my credit reports for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both Transunion and XXXX reports on my XXXX  report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.

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 2019-11-07
Company: ONEMAIN FINANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband abondoned me and he got pay day loan credit debt and using my edentity and the consumer wan na pay me and we still married

Company response to consumer: Closed with explanation