BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I wanted to refinance our home with the same company NewRez for the same property address. We started the process for refinance in XXXX of XXXX by XXXX XXXX XXXX loan officer. The appraisal was done on XX/XX/2020 with loan number XXXX. XXXX XXXX rewrote the refinance loan documents four times. In XX/XX/2020 the documents went to the processor XXXX XXXX. She was working on a special CEMA mortgage tax document. This document was designed to save on the mortgage tax that was already paid on our property.. She had me sign closing documents electronically for the closing that was to take place on XXXX XXXX, and a payout date of XX/XX/2020 on loan number XXXX. She also told me to stop the automatic withdraws out of my checking account for the XXXX Mortgage payment on the old loan and I would not have to pay it because she said we were closing and this was already calculated in the payoff. Then I found out that XXXX XXXX left the company. .Documents go to XXXX XXXX , another processor in late XXXX. She sends to underwriting and she told me that we will close in XXXX. Then I find after I call XXXX she tells me that this loan is not a priority and it was put on the back burner.. In XXXX the documents were sent to XXXX XXXX She tells me that the appraisal is expired and we need a new one and the rate lock of XXXX is also expired and will not be honored. XXXX is charging me for another appraisal and increases the closing cost from XXXX to over XXXX dollars and we are not closing for at least another twenty days bringing us to the middle of XXXX, and of course we have not closed as promised. According to the XXXX  what NewRez did to me is a crime.. Which includes : violation of trust, misrepresentation of product or service, fraud, deceit and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold to a new mortgage company. We were notified by the seller within 15 days of the transaction, but heard nothing from our new loan company until XX/XX/XXXX, 19 days after our first mortgage payment to the new company ( Freedom Mortgage ) was due! Remarkably, this first communication was to inform us that we were late on our account! Because of this delay in being billed we actually assumed the first bill was going to be for XX/XX/XXXX, only later to learn that it was actually for a back payment. But because we had the legal 60 day grace period in which they could not charge us a late fee, we were not too concerned. We had trouble logging on early in XX/XX/XXXX when we went to pay it, and did not finally get the payment made until XX/XX/XXXX, paying for the months of XX/XX/XXXXand XX/XX/XXXX, but still within the 60 days.

On XX/XX/XXXX, my wife was stopped by someone from another realty company who handed her a letter, would not say whom it was from, and proceeded to take pictures of my wife and our home. After opening the letter from this strange man, we saw that he was acting at the behest of Freedom Mortgage informing us that our payment was late, despite the fact that our check cleared the day before the man showed up to our home. My wife called Freedom Mortgage to make sure this was legitimate, and she was told that we would be assessed a fee for the home visit. I knew from our legal rights this was not proper, and called today to make sure the fee was removed. I was informed that this was not technically a late fee, so they could charge it. But that's clearly what it is -- we were charged a fee because we were late ( which we were not, as we were within the 60 day grace period ).

I filed a complaint with Freedom, and they told me they would open a case, but refused to remove the charge right away. It is only {$15.00}, but this is a matter of principal to me, because if they will do this to me, they will do it to anyone. I can tell already that I will not have a positive experience with this company. Consumers should have the right to protect their loans from being sold to companies like Freedom Mortgage that do not abide by the law. I need to know the next steps to ensure that I am not falsely charged this {$15.00}, and what rights to compensation I have for all the time and energy I'm having to waste to stop Freedom from violating 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
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
HELP ME, I AM LOCKED OUT OF MY ACCT!! 
I have NOT been able to get online or on my phone ( XXXX ) XXXX for several weeks, It will NOT accept my ssn it says that it exists already? I have gone thru ALL of your screens 1000s of times. XXXX. My pin isXXXX my password used to be XXXX, and my user name was XXXX my latest password was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX We have NO need to communicate, just unlock my account I CAN NOT TALK ON THE PHONE. 
XXXX GIVE ME AN EMAIL TO SOMEONE IN CHARGE?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Risecredit, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX has called me in attempt to collect a debt for Rise Credit. Rise has not contacted me at all regarding debt. I just started receiving phone calls from XXXX XXXX XXXX on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. XXXX XXXX XXXX are illegally trying to collect funds from me because they are not licensed in Missouri to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XX/XX/XXXX I reached out to XXXX  regarding incorrect information reporting on my XXXX report regarding Americollect. On several occasions XXXX responded that Americollect had been verified as mines. However upon my request no proof of verification was received from the above mentioned companies. I also attempted to contact Americollect directly by certified mail on XX/XX/XXXX where I still have received no response from the collection agency as of date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Santander Consumer USA Holdings Inc.
State: AZ
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 reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorized the inquiry. I am a victim identity theft fraud, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH

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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are two accounts on my XXXX XXXX and Transunion that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXX XX/XX/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 2020-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.

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 2018-07-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My spouse was going to school at XXXX, she was XXXX in a car accident, we had student loans with several lenders, all her loans were forgiven but one,  salle mae said that because i was a co signer i would have to pay in full plus interest, they would not talk about any forgivness, i think this is wrong, if she would have here i would have gladly paid for the loan, this happen in XX/XX/2011 i paid the loan but i want to know how i can get something back .... thank you XXXX ... ... ps they told me because i co signed i had no rights ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: CARD Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had transactions that were made on my card.com debit card that I never authorized or benefited from and the person XXXX XXXX admitted that he stole my card and made the fraudulent transactions and hes now in jail because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I upgraded my XXXX XXXX XXXX to the XXXX XXXX which would have closed my current loan with Citizens One for my XXXX  and opened a new loan for the XXXX. When I received the product I decided that I did not want to upgrade and I wanted to wait until the newest phone came out so I returned the XXXX XXXX that I received and got confirmation that the phone had been fully returned and was received at their warehouse. I called Citizens One to let them know and they told me that it usually takes a few weeks for the loan to be cancelled and my current loan to be taken off of a " Hold Status '' and put back into normal payment status so I could continue to make the payments until the new phone came out. I checked back in at the end of XXXX and the loan was still on hold, I called both XXXX and Citizens one about this issue and they both said it could take up to 60 days for everything to go back to normal. I checked again in early XXXX and again saw the loan still on hold and no payments had been taken for my current loan for my XXXX XXXX XXXX that i still had. I called Citizens One again and they again told me it was an XXXX issue and that their back office hadn't sent them information to let them know that the phone had been returned and my current loan to be resumed. However, the loan that was opened for the XXXX was CLOSED and showed the refund to XXXX so I asked why this wasn't good enough to show that the phone had been returned and no one could answer my questions. I conference called Citizens One with an XXXX support specialist and the billing specialist that we were speaking to at Citizen 's One was rude and could not give us any information as to how XXXX normally goes about correcting this information and she said that we would have to figure it out on our own because it was not her job to fix XXXX XXXX mistakes. This has been going on for almost 5 full months and I am very frustrated as NO ONE from either XXXX or Citizens One can help me figure out how to correct this issue. I am filing this complaint because they are withholding my ability to make payments on the current loan I hold because of their back office communication problems. The attached documents show that the new XXXX loan number on the original invoice from my purchase is no longer open - as it has been paid off ( because the phone was returned ). There is the confirmation of receipt of return and a screenshot of my Citizens One online account showing my loan is STILL in " Hold '' Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
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:
XXXX XXXX is reporting a debt on my credit for a contract with XXXX that cancelled in XX/XX/2015 due to financial hardship. The company allowed me to cancel the contract per their policy to consider hardships. I sent in the cancellation letter as requested by the XXXX at the time I needed to cancel. It was received. I was told by a representative the contract would be canceled and i would be released from financial responsibility. Years later, XXXX and XXXX XXXX not honoring the cancellation - it's being reported on my credit. I provided Experian with proof I submitted the cancellation, as well as the company 's policy on reasons for allowing cancellations. XXXX XXXX and experian refuse to remove the debt from my report.

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 2021-08-10
Company: EQUIFAX, INC.
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:
Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is an old medical bill that I had no idea existed from XX/XX/XXXX. This company never sent me any statements, correspondence, or contacted me until XX/XX/XXXX. I thought this was a fraud case and when I contacted the company they stated that it's from XX/XX/XXXX I immediately put in a dispute with all the credit bureau. The company said it could ruin my credit. 2 of the bureau removed it from my credit due to the age of this account. However, they still have it on my XXXX report and have the information wrong. I have contacted the company about it because the original date of this medical bill is XX/XX/XXXX they are not accurately showing the correct date and information. It's very misleading and I haven't been able to get this resolved. I hope to get help here and I am planning to seek further legal help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was posting on a XXXX page in search of concert tickets and came into communication with a woman who provided me with legitimate looking screenshots of tickets on XXXX XXXX along with her license and identification photo. I then sent her {$370.00} through Zelle at the email XXXX. After confirming that they had received the money, they said they were going to transfer the tickets through XXXX XXXX. Once time passed and I did not receive the tickets, she said that she wanted more money. I refused and she said they would return the money back and provided legitimate looking screenshots of a bank account returning the {$370.00} to my name. I have not received this money and the woman is no longer responding to my messages. My bank account has said that they can do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Back to back phone calls - I have repeatedly asked them to stop calling me. I receive about 10 calls per day from Kohls Department Store. I do not owe the entire amount in question. They are rude and aggressive, and call from hundreds of different phone numbers. This type of constant harassment should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter on an old debt that is out of the statute of limitations for Collections in XX/XX/XXXX. I sent the debt company a certified letter within 30 days advising to stop all communication with me and the address about the debt. This debt is not on my credit report. The company forwarded the debt to their parent company who sent out another letter with a summary of the verification of the debt. This information was not requested in the stop communication letter. This debt originated in XX/XX/XXXX, was charged off in XX/XX/XXXX and acquired by the current company on XX/XX/XXXX. I am not aware of all the statute of limitations, but I still assert this debt is old and can not be collected. I am not sure how to respond to the latest letter from XX/XX/XXXX. 

Thank you for your assistance!

Company response to consumer: Closed with explanation