BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: RoundPoint Mortgage Servicing 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: Account status incorrect

Complaint:
This was sent to resolve the issue : Information : Sent on XX/XX/XXXX at XXXX I need an email stating the reason for 90 past due was because of a forbearance -modification period. This was supposed to be corrected by Roundpoint Mortgage just like my other account after the trial period was completed. I full filled all my obligations on time based on the guidelines of the forbearance -modification. This is a reporting error, as a result it has affected my credit rating negatively. There have several recorded phone conversations stating that the forbearance -modification wasnt suppose to impact by credit negatively. Thanks What do I need : An email giving an explanation for the 90 days past due within 24 hours.

Action : If I dont receive the email with 24 hours stating the inaccurate reporting, I will file a complaint with the Consumer Financial Protection Bureau at the end of business on Friday XX/XX/XXXX XXXX. Simply waiting for the matter to be vetted and resolve later is not an option. Its been months since the forbearance -modification was completed. Thanks. 


Sent XX/XX/XXXX XXXX All, I received a phone call on XX/XX/XXXX satiating my account was never late but there were no documentation ( email ) to support that. Im in the process of filing a complaint with Consumer Financial Protection Bureau as we speak.

Action : I need an email within 2-4 hours from Roundpoint delivering on their promise that the issue was resolved via email. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with Fay Servicing and XXXX XXXX my manager. I have tried to submit for a loan modification 2 times. I was never able to communicate to the same person which always caused confusion. XXXX XXXX always seemed to lose my paperwork, which I constantly had to re-fax. I was declined for a modification because I extended my maximum reviews!?! 

The first time I applied Fay Servicing declined me because I had equity and I am self employed. Which sounded made up and completely illegal. I had a medical hardship which caused me too miss some payments. I was over my hardship and back to work so I applied for the modification. This qualifies me for a modification based on mortgage banking guidelines. So I applied a 2nd time thinking this had to be a mistake. 

The 2nd time, I applied I had help with a free service that help me make sure my underwriting was done correctly since I am self employed. Everything looked good so we sent it in. Based on the guidelines I can afford my mortgage and just need a modification to avoid foreclosure. Fay Servicing then declined my file stating I had exceeded the allowed reviews? This is my 2nd review and I submitted because the fist denial seemed illegal. 

I know for a fact the 1000 's & 1000 's of home owners have received loan modifications that have equity. And based on the California Bill of Rights I am allowed to appeal and apply again. Fay Serving only seems to lie, and make up excuses to review my file. Both decline reasons from Fay Servicing do not even seem to be honest or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: GreenSky, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was getting some service with a green sky loan. I did not receive all services, yet they billed for them. They have been on my credit since XXXX. I have tried to dispute the charges. I though it was a loan up to amount. If used. They just billed for max amount. There is a lawsuit on Greensky for this exact problem. I believe I happen to a victim of these inaccuracies other consumers have complained about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just bought my XXXX home in XX/XX/2021 at the referenced home address. I used Rocket Mortgage as my mortgage company along with XXXX for home owners insurance. After XXXX months I received a letter from Rocket Mortgage that they issued a new home owners policy because my current policy with XXXX has been cancelled. I called XXXX to see what happened and they said they dropped the ball in notifying me that they cancelled my policy after they received the appraisal documentation that a few shingles were lifted from my roof and they couldn't insure my home. Local XXXX representative told me that actually Rocket Mortgage knew before I signed for the house of the report but didn't notify me. I commence to call Rocket Mortgage for an explanation and was told that an underwriter dropped the ball on my mortgage and they didn't learn about this until XXXX  days later after I signed my mortgage papers. Now, I have been cancelled from XXXX and my current insurance company, XXXX has appraised my home for {$270000.00} because of the material to replace my home. Never did they mention that the roof was an issue or needed to be replaced! My neighbor whose home is built the same time with the same materials told me tonight that his insurance isn't valued like that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter

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 2019-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I logged into my Bank of America account even though I had paid the entire bill the previous month, and was surprised to see a balance due of {$28.00}. The sum, {$27.00} late fee plus {$1.00} interest charge, was due to paying 3 days late. What I must have done is scheduled the payment for when the promotional period expired, XX/XX/XXXX, instead of when the payment was due, XX/XX/XXXX. 

Every person with whom I spoke informed me that their system would not allow the late fee to be waived, an assertion I found surprising but seemingly legitimate after talking to numerous people. One supervisor claimed the fee was required by law ; he gave the impression that it also could not be removed. Things got really absurd when he acted as though he caught me in a lie when I told him that I had a late fee removed by another credit card company years ago. No, I am not in the habit of paying late, as he should have been able to see from my records. 

Anyhow, Bank of America 's action has made it abundantly clear that I am not the type of customer they want or need, so I am glad to be paying any future fees to other institutions.

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 2020-11-24
Company: Experian Information Solutions 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 status incorrect

Complaint:
I gave this car back XXXX XXXX. Credit acceptance was suppose to pick up car. They left the car, which they were suppose to pick up to sell them collect what is remaining. The whole 2019 they have not reported or tried to collect. They also never sent me any notification that they did not try to sell the car. The first time I tried to dispute they added late payments to my credit report which show currently nothing is due. They also took me to court and when I let the lawyer know they did not follow protocol they dropped the case.

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 2022-03-16
Company: EQUIFAX, INC.
State: NJ
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:
Companies Involved : XXXX Equifax Dispute : " XXXXXXXX XXXX XXXX '' : {$170.00} balance While XXXX has removed this collection notice, Equifax and XXXX services have not. Additional disputes have been unsatisfactory as both online and telephone services are non-functional. 

This collection needs to be removed as I moved out of XXXX in early 2021, after having just graduated ( spring ). This was immediate, as in significantly earlier than my lease end date, thus ending energy usage prematurely ( close account requests ). Bills are dated for much later ( summer/fall ), with fees, that XXXX has already stated does not exist under their agreement with Ohio lawmakers . 

Originally I was going to submit a small claims against " XXXXXXXX XXXX XXXX '' but I can not ( temporarily ) at this current time due to the realization that they don't have a registered agent or conduct business in my home state ( New Jersey ). As recommended I will however consider this CFPB complaint as the two separate arbitration proceedings against Equifax and XXXX. After an appropriate amount of time, I will file a claim at my local courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: NC
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:
I have a account on my report that I've never applied for or received service so its fraud. My name is also spelled incorrectly on my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Shellpoint Partners, LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Mortgage is reporting that we did not pay for 30, 60, and 90 days- XXXX and XX/XX/22. We OFFERED to pay and we instructed not to pay because the loan modification was changing from a XXXX FHA modification to a NON Residential modification. ( XXXX Account Supervisor ) The account was locked on line and when we talked to XXXX in XXXX on XXXX we were instructed not to pay but to wait for the loan trial period to end ( which we had paid on TIME ) Shellpoint posted the only negative marks against my credit for XXXX consecutive months during the poorly handling of the loan. We had a loan modification program and paid on time always. I was also told that these marks would be removed after the program was finished but we decided to sell the house instead. Please remove the late payments because we tried to pay and were never late. I have not been late on any payment for 15 years. I lost my job to XXXX related problems cause by XXXX XXXX and we had to use the forbearance program. Please remove these marks and contact me with any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Hi I have a account with coinbase and i hold funds in my account.i withdrawal XXXX euros from my digital coinbase account to my bank account on XX/XX/XXXX and they send me transanction ref number and told me that money will reach into my account on XX/XX/XXXX.but payment didnot come.then i email them that i didnot receive any payment.they told me that it could be delayed upto 10 working days.i waited 10 more working days but still money didnot come into my bank account.i emailed them many times but no reply. 
I making a complaint against XXXX XXXX XXXX.please help me to claim my money from coinbase My case ref number is XXXX My withdrawal ref is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a letter from a collection company called Hunter Warfield on XXXX XXXX of this year. They listed an arbitrary sum from a former landlord who repeatedly failed to fulfill their duties as a landlord under North Carolina State law. The landlord had harassed my family before sending this to a collection agency. <P/>I did some research on the internet and using your website realized I could dispute the charges and make them provide relevant information. I talked to Hunter Warfield around XXXX XXXX on the phone about the charges and told them I was going to dispute the charges. They said it did n't matter and they could still report me to the credit bureaus. <P/>On XX/XX/XXXX I sent Hunter Warfield a letter disputing the charges and CC 'd the Department of Justice in North Carolina ( creditor location ), South Carolina, and Florida. I pointed out in the letter is was illegal for them to report me to the credit agencies, hence CCing the DOJ. I also requested they mail me : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in North and South Carolina. <P/>On XX/XX/XXXX, the NC DOJ wrote me back and thanked me for reporting Hunter Warfield. Hunter Warfield never responded to my dispute letter and reported me to XXXX and XXXX onXX/XX/XXXX. I learned that they had reported me on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried multiple times to get my payments lowered with Sallie Mae with them knowing my financial situation you would think they would understand but basically they dont care about your other bills just as long as you pay them. I recently received a billing statement only to be shocked that my amount due has gone up once again and this time I was not even notified that my payments would be increasing, I am enrolled in automatic payments so had I not read the actual billing statement I wouldnt have known because again I was not notified my payments were increasing. Each time I have reached out to Sallie Mae I have been told i am not eligible to get my payments lowered or even worse told a manager or supervisor would return my call and no one even calls. I reached out to legal representation and decided not to proceed but now that they have increased my payments without notice and will not working with me with lowering my payments I will be moving forward and continue to file complaints on this horrible business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX was Contracted to relocate a piece of equipment to a Farm in XXXX AZ to a customers place of business. The company quoted {$420.00} for the pickup and delivery of the piece of equipment and were promptly paid that balance ( on XXXX XXXX ). The item was delivered without any problems and arrived safe and sound. I was later contacted by mail from XXXX that an additional fee above and beyond the original amount was due to the company. I then contacted the company Via phone and asked what the fee was in regards to. The representative told me it was a " Residential delivery charge '', I politely explained that they were mistaken and that the item was delivered to an active farm and was zoned commercial and was an Arizona registered Agricultural address. The representative stated the driver had passed a house on the property and XXXX policy stated that made it residential. I have been to the property personally and yes there are actually quite a few residential units on the property. The owner is vey good to his employees provides housing for the workers that work there. However the property is 4,500 acres PLUS in size and has a main office and about a 6 acre commercial loading and unloading area with Tractor Trailer Access they have to in order to ship out the crop! This property even has its own Fuel Pumps for the 20 some pieces of heavy equipment that are operated around the clock. I tried to no avail to explain this to the rep and was told she could n't do anything about the fee and I had to pay it. I informed the employee I would not pay any additional amount to the company based on their explanation since they were asking for money that was not owed. I have since received a COLLECTIONS NOTICE in regards to this amount. Please assist in resolving this issue. I would prefer not to have to contact an attorney I 'd rather just have this go away as it should have after my contact with the company. 

Thank You

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 2020-04-24
Company: Penn Credit Corporation
State: MD
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:
I recently requested a copy of my credit report and noticed and account I have no knowledge of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022, my husband went to an ATM machine at a XXXX in XXXX, IL. Here is the bank info on the transaction : ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL He requested {$200.00} but the machine only gave out {$160.00}. The man at the store said the ATM has been having problems with that and that we should contact our bank ( PNC ) and they will refund the {$40.00}. 

I filed at dispute and was given a provisional credit. I then received a letter in the mail saying it was denied ( provsional credit removed from my account ) and I could request the documentation showing what they investigated to come to their determination. I called into customer service and was told she would reword my dispute and resubmit. I then asked for the documentation and was told there was none. I received another denial in the mail. Process was repeated and declined again. I then filed a complaint with the Office of the Comptroller of Currency who referred me here. 

I have received an email and a phone message from XXXX XXXX from PNC. I returned his call and received no call back. I then sent him an email. He called back on XXXX saying he would escalate my issue and call me within XXXX hours. No such call has been made to me again. 
I would like our {$40.00} back plus the {$3.00} fee that was charged. How many people does this happen to and who is gaining financially from all this undispensed money?? 

Consumers have a right to be treated fairly and honestly, especially in these difficult times. Every dollar counts!

Company response to consumer: Closed with monetary relief