BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
I disputed a collections account for {$820.00} with XXXX XXXX XXXX, at the beginning of XXXX, 2018. I was notified that the account had been removed, due to the fact that I do not have a contract to pay this company. Immediately after being notified that the debt had been removed, I was notified that the account had been added back to my credit report. I have no contract to pay with this company, and they need to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Paid off the mortgage with a bank certified ck. in the amount of XXXX onXX/XX/2018. Ck # XXXX from Bank of XXXX County, Tn for Acct. # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, Ca XXXX. Have made ( 4 ) calls attempting to get my Registration for the Vehicle. I think they should have been able in 2 months to get a simple job done. 
I appreciate your time. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tn XXXX Phone ( XXXX ) XXXX EMail 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 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital One is reporting a payment as late over 90 days from XXXX, XXXX, and XXXX of 2018 on my credit report. The payment was late due to a problem getting the autopay to work through their website, which was not my fault. I couldn't get the autopay through my bank to work either, though it works for all of other recurring bills. Once an agent from Capital One was finally able to get it set up herself, the payments started drawing. I did not realize that one payment was missed and sat overdue in the confusion. They didn't notify me of this, either. I have attached the receipt from XXXX and the bill reminder from XXXX, neither of which mention an overdue amount. When an agent called me in XXXX and advised me of this, I paid it immediately, but they are unfairly reporting late payments which were not due to my error, but to their own problems getting the payments to go through even though I made every effort to use their system and received messages that my auto-pay setup was complete. 

I have contacted Capital One, and one agent admitted to me that what I'm saying is reflected in the call logs, but that she couldn't do anything about the problem. They escalated the issue to " the President 's Office '' but all they have done is send me multiple copies of my promissory note and payment history. They won't listen to the real issue. This was an error by Capital One and I have a good, clean, on-time payment history other than when they were having this issue. They are unfairly hurting my credit history report. 
I am not disputing that I agreed to pay the money, nor the dates when the payments were received. My problem is that the reason that the payments were late is not my fault as I was trying to use the systems that Capital One provided, but through no fault of mine they wouldn't work. I couldn't get the payments to go through. I want them to do the right thing for a long-time customer and adjust this report since this was not my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have asked the credit bureaus to update my XXXX XXXX # XXXX account. This account is not in deferment and should be reflecting my full payment history. I have not missed any payments. There are several months of missing payments. Because my monthly payments are not reporting it's affecting my credit score. All 3 credit bureaus have almost a year of missing payments.

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 2019-03-12
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Calls from convergent outsource saying give me credit card number. For XXXX For a XXXX debt. Or settle today for XXXX. I said I havent had XXXX for 12 years. They tried to confirm my email address and it was not or ever my email. 
They asked for my ss number but I didnt comply. I told them they were a scam several times and the guy XXXX started cursing and saying they are a legit collection and if I didnt pay they would put it on my credit rating. He ended the call. 
I called XXXX with my ss # and email address confirmed no acct has been active for 12 years and shows a XXXX balance. 
Pls help 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 2019-11-11
Company: Synovus Bank
State: PA
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 2021-08-11
Company: UMB FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX via UMB bank targeted me for a promotion in XXXX, which said that as long as I met the terms of the promotion, I would get {$200.00} deposited into my XXXX XXXX Cash account within 30 days of meeting the terms. I have met the terms for nearly 60 days ( XX/XX/XXXX ) and even though I've reached out twice, I still don't have the {$200.00} that I'm supposed to get from that promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of getting new mortgage, however I need to get a lien release from XXXX XXXX XXXX book page number : XXXX XXXX ACTING SOLELY AS NOMINEE FOR XXXX XXXX XXXX  Date : XX/XX/XXXX Date Recorded : XX/XX/XXXX Amount : {$370000.00} MATURITY DATE : XXXX/XXXX/XXXX which I paid off 15 years ago. I contacted Bank of America and they were not able to help me. My lock in expires XX/XX/XXXX. I need to get this resolved before that date. I have been chasing this lien release for 24 days now and no one can help me. I have a existing complaint regarding the same matter with XXXX XXXX XXXX Complaint # XXXX. I am not sure if both companies are the same. 
Please call me at XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2020-01-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, The file was originally submitted to Shellpoint mortgage back on XX/XX/XXXX and deemed complete and with underwriting pending a decision as of XX/XX/XXXX. The 10 day delay was due to waiting on the appraisal of the home ordered by the servicer. On XX/XX/XXXX the file was denied due to debt to income ratio but per my conversation with the assigned SPOC on the file XXXX XXXX the denial was so vague we submitted an escalation of the file to someone higher to get more information from the investor. We did not receive a response from the investor until XX/XX/XXXX in which they stated the following. The servicer used limited expenses not all of them were used in the review and the payment would have increased to XXXX a month if it was approved but it was denied due to NPV not income or DTI and stated they declined it after they looked at the fact there was a small amount of equity and also the amount of delinquency and the length of the delinquency. We requested at this time a payoff on XX/XX/XXXX and one was ordered because there was also a huge discrepancy in the amount owed by the client and per the SPOC they were charging the client future interest at the time of default. We did not receive the payoff until XX/XX/XXXX and once we were in possession of this document we requested a copy of the mortgage note XX/XX/XXXX as well to confirm the investor was allowed per that agreement to charge interest on the loan the way they were and not the way it was agreed upon. We did not receive the note until XX/XX/XXXX and after reading the note it is evident that they are not adhering to the terms of the loan according and secondly per CFPB guidelines everyone is entitled to one modification for the life of the loan. WE have more than one mortgage statement which reflects different balances as the default amounts are significantly different and also brought this to the attention of the servicer the balances needed to be fixed immediately as this would drastically effect the outcome of any modifications that could be offered at this time. There has been nothing but constant delays and handling of this file from the very beginning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: GA
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 have called Experian and explained that my purse was snatched with all of my personal information & I recently noticed that inquires were appearing on my report. I was instructed to send in a identity theft report which I did & they say it was not there. I have attached that to this complaint.

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 2020-05-17
Company: CITIBANK, N.A.
State: PA
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 learn my Citibank credit card is 2 months behind because, as the first rep I spoke to that morning explained, " the auto pay was disabled by Citi, the system does this after a certain amount of time and we don't know why this is ''. After speaking with 2 other customer service representatives as well as a collection representative over a 45 minute period, no representative would reverse the fraudulent late fees ( {$40.00} XX/XX/XXXX, {$29.00} XX/XX/XXXX ), even after I explained the first representative admitted the bank deactivated the auto pay I set up. 

I'm employed and not having financial issues. I even made an immediate payment before calling Citi and reactivated auto pay. 

On XX/XX/XXXX I called the customer service team again and the first representative refused to reverse the fraudulent last fees, as well as the collection representative I was transferred to. I was then transferred to the fraud department and detailed the issue, and was transferred to a representative that was suppose to resolve the issue, but this rep pretended there was a bad connection and hung up.

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 2019-03-12
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: Problem with personal statement of dispute

Complaint:
I am a XXXX employee ( XXXX ) that was affected by the XXXX XXXX from XXXX. On XX/XX/XXXX I contacted my mortgage company, XXXX servicing loans to inquire about any forbearance options that they may be offering XXXX XXXX because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX  XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXXXXXX XXXX delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XXXX. So I called XXXX on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted XXXX escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.

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: Acknowledge Debt Resolutions
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company ADR ( XXXX-XXXX-XXXX  ), continues to call my home phone and our cell phone at least 15 to 20 times a day. They states that they are trying to get in touch with someone that doesn't reside here. I told them that they have the wrong number by they continues to harrass us everyday all day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We recently purchased a home in XXXX with an FHA loan. Our mortgage transferred to XXXX XXXX, a month later Mr Cooper took over XXXX XXXX. We broke up a payment into 2 payments due to my husband being short hours at work. When our loan transferred to Mr. Cooper, both payments were missing, they have recovered one, but 2 months later along with many phone calls, the 2nd payment is still missing. We have submitted proof of payment and everything to have this credited to our account, but it has still not been done! There is also no way to speak to anyone in the department that handles the missing payments and we are just told that they will reach out to us when they find out something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions 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 is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however Experian and XXXX still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that Experian and XXXX remove this collection account from my credit report immediately.

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 2020-11-24
Company: McCarthy, Burgess & Wolff, Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX agency is reporting information on my credit file that is not mine and do not belong to me. I requested this collection via certified mail to delete and stop reporting this information that is not mine. I requested the contract with my signature or anything with my signature and they have failed to do so. I asked them not to send me a copy of a account statement because anyone can get an account statement and type it up as if it belongs to someone. I would like the entire billing detail history and summary and the original contract with my signature. I am tired of these collection company 's not verifying information before they slap the collection on the wrong person profile because they did not take proper steps to verify that they have the correct person. I can go online and make a account statement for any XXXX XXXX out there. I can go online and find someone with my exact name and create false information. The items I uploaded is their response back and unacceptable. I asked for my signed signature not some bill of sale to their collection company from another collection company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Date : XXXX Amount : XXXX litecoin Company : XXXX ( Coinbase inc. ) My account : XXXX Action : Failing to recognize an erroneous transaction I was trying to transfer Litecoin to my another account. However, I accidentally entered my Bitcoin address instead of my Litecoin address as the receiving address. Of course, this got rejected by the blockchain right away. However, XXXX confirmed this as a valid transaction. As a consequence, the XXXX litecoin has been withdrawn from my GDAX account although the transaction never happened. Ever since, Litecoin had dropped 30 % in value and I lost the opportunity to sell it since XXXX had effectively confiscated my litecoins. I contacted their customer supports and they havent got back to me in 2 months. 

I attached two screenshots. One shows the transfer history from my XXXX account, and it says the transfer is complete. However, if I track the transfer address, it says the Litecoins were never redeemed ( i.e. the transfer was never completed )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
myEquifax website did not allow me to place a free credit freeze as permissible today required under federal law. I was prompted with incorrect identification information and unable to re-login using my account. Equifax believes that I have auto and installment loans from a credit union, but this has never been the case ever. As I logged out upon noticing inaccurate information, I am now unable to log in at all and get the response " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: PA
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous Inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation