BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made two payments this month to my mortgage company through my online banking at XXXX XXXX XXXX. My mortgage company is Nationstar / Mr Cooper. Both payments have been rejected by the lender and returned to my online banking account. I havent been able to get them to mail me statements for over a year despite repeated requests so I have had to go online to their website to see my statements. When I logged on this evening I was greeted with a message saying my mortgage has been transferred. There is no information about where it has been transferred to, nor have I received any notice regarding the transfer. Can they do this? 

Additionally, there is a statement online that says my payment which is due to them, will be past due on XX/XX/XXXX! Yet they have returned my payments TWICE this month! 

I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX opened a file on my credit report in the amount of {$450.00}. Opon learning of this in XX/XX/XXXX or XX/XX/XXXX, I called XXXX XXXX to report that this debt has been paid as per a settlement with XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX I moved in XX/XX/XXXX from XXXX to XXXX and I never received a final letter from XXXX XXXX showing that the settlement had been fulfilled however I did have other documents showing that I had made an agreement and that I had fulfilled those terms. I was told to contact Capital One the original creditor for resolution. I did and sent all supporting documents. They claimed this wasn't sufficient and I proceeded to contacted XXXX XXXX  several times to resolve this. repeatedly being left on hold for long amounts of time, being told I would be sent a letter, never to receive anything, finally today XX/XX/XXXX I spoke with XXXX who was formerly XXXX XXXX and requested again a letter showing I had paid this debt and requesting that they report this accurately to Capital One and the credit agencies, they took my request and stated I would receive the letter in 30 days but could doing nothing else. Isn't this their responsibility to report accurately?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: Resurgent Capital Services L.P.
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Dear all, I had a very small amount invested at Coinbase. On XXXX XXXX at XXXX XXXX PST, I 've done a withdrawal from my EURO wallet at Coinbase in the amount of XXXX with the reference number XXXX. Coinbase stated that the money would be in my bank account latest by XXXX XXXX. Almost 10 days have passed and the money did n't arrive yet. 

I 've tried to contact Coinbase via mail already two times, but their e-mail support is under heavy workload, means no answer to my case. I also called their hotline twice, and no one picks the phone - even after 30+ minutes waiting time. 

I 'm really lost in terms of what I could do. One person suggested in a Forum to reach you and ask for help on how to proceed. I hope you can give me any indication regarding what I could do to have my money back. 

Many thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, 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:
I have disputed this account with all three credit bureaus, and none of them have sent me the documents that they received on the collection company owning this account or any documents so I'm able to verify the account is mine. When I call over the phone they say it's verify. The company is XXXX XXXX XXXX XXXX in the amount of XXXX opened XX/XX/2016 and it's in collection. According to section 609 in FCRA they have to show me some type of documents showing the account is mine or Delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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:
hello, XXXX  & equifax is refusing to re investigate an inaccurate item on my credit file.i have asked for the contract from the original creditor, they are unable to provide me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: GOLDMAN SACHS BANK USA
State: NC
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:
My XXXX card which I had for 20 years switched to Goldman Sach 's MARCUS card. I had always received a mailed bill which was paid in full promptly. 

The first month when bill did not come I went through long process to inquire and was told I had to establish an online account. or request to receive a mailed bill. They refused to adjust or correct the late fee. 

Second month a mailed bill did come late and was paid say day but two weeks later they did not show payment. Of course they did show payment arriving the day after second late fee was charged. 

Again tried to resolve even showing check was posted 2 days before they registered it as paid. 

I am a retired banker and it is obvious they are gaming the system to maximize late fees. 

Now I am canceling the card but can not help to feel sorry for the thousands of people they are fleecing every month. 
. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Consumer Financial Services
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
i HAD WAS UPSIDE WITH THE LOAN IN HAD SPENT {$7.00}, XXXX IN REPAIRS ON THE VEHICLE. AND COULDN'T KEEP PAYING ON THE VEHICLE AND REPAIRS. SO I EMAILED THEM XX/XX/18 AND TOLD THEM I WAS VOLUNTARILY SURRENDER THE VEHICLE. I DROPPED THE VEHICLE XX/XX/18 THEY STARTED CALLING EVERYDAY OVER AND OVER. THEY CALLED MY EMPLOYER TELLING THEM I HAD ABANDONED THE VEHICLE. THEY CALLED BOTH MY PLACES OF EMPLOYMENT AND TELLING WHOEVER ANSWERED MAKING MY PERSONAL BUSINESS PUBLIC. THEY EVEN CAME INTO MY PLACE OF EMPLOYMENT ON XX/XX/18, SHOWED UP TO TRIED TO SERVE ME. THEY HAVE CALLED AND TOLD BOTH MY EMPLOYERS THAT THEY ARE VERIFYING EMPLOYMENT TO SEND FOR WAGE GARNISHMENTS. WHEN THEY DON'T HAVE A COURT ORDERED JUDGEMENT. I HAVE CALLED THEIR ATTORNEY SEVERAL TIMES AND EMAILED THEM TO TRY MAKING AN AGREED PAYMENT PAYMENT PLAN. i WISH I HAD READ THE REVIEWS ON THIS COMPANY BEFORE I HAND. THEY HAVE THE WORST REVIEWS AND WORST CUSTOMER SERVICE. THEY HAVE BEEN SUED SEVERAL TIMES FOR VIOLATING THE FDCAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I didn't realize that my identity was compromised until I started trying to acquire credit and started getting denied. My ex husband XXXX XXXX or the car salesman at the time added me on a car loan without my consent, I absolutely had no knowledge that I was on this loan. The payments were being made on time up until 2020 that's when I started getting denied for everything.

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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly that I am 120 days past due on the US DEPT ED partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-25
Company: Experian Information Solutions 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 obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit 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 2020-08-19
Company: Lendmark Financial Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is not a duplicate complaint - Please do not treat it as such. 

Consumer Financial Protection Bureau Complaint For : XXXX XXXX RE : Lendmark Financial Services Credit Reporting Desired Outcome : Removal of negative reporting on credit report Situation resulting in complaint : Due to a deficiency in payment, Lendmark Financial was awarded a garnishment for loan balance unpaid. 
This balance was paid through XXXX XXXX employer XXXX XXXX via wage garnishment twice monthly from XX/XX/2020 to XX/XX/2020. 
Inaccuracy of account information : During the successful payment of the wage garnishment and preceding judgment process, Lendmark constantly reported loan balance information incorrectly to credit agency. 
Lendmark has reported non-payment during successful twice monthly payments via garnishment. 
Account was changed to Charged Off during the payment process and remains as such. 
Payments were completed. Despite this, Lendmark has reported that there is a remaining balance due of {$210.00} Examples : XX/XX/XXXX Court filing balance : {$3700.00}, despite reporting a balance of {$3800.00} to credit agencies. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$840.00} payment ). Began reporting as Charge Off. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$2000.00} payment ), and continued reporting as Charge Off. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$1600.00} payment ), and continued reporting as Charge Off. This month completed the full garnishment payment. 

XXXX reporting balance : {$210.00}, reporting as {$0.00} payment ( despite full payments completed in XX/XX/2020 ), and continued reporting as Charge Off. This was despite a call to the office from XXXX XXXX notifying the balance had been paid. 

Lendmark has sent XXXX XXXX a paid in full contract and refund of over payment in the amount of {$300.00}, despite reporting a balance due of {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE

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 2019-01-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 The above is the original compliant and request for assistance. I called the company regarding paying off my account before vacation in XX/XX/2018. I learned that there was an overpayment in the amount of {$700.00}. I was sent a check for that amount. During the next billing cycle, I notice that {$700.00} was posted to my account as a sale and included in my bill. I called to dispute this and to date there is no resolution with regards their clerical error. The amount is shown as + {$700.00} sale. I spoke with several supervisors at least twice monthly and asked that the amount disputed be removed. I have stopped using the card and paid all but the {$700.00} that was added to my account. XX/XX/2018 {$23.00} interest charged XX/XX/2018 {$19.00} interest charged XX/XX/2018 {$16.00} interest charged XX/XX/2018 {$27.00} late fee charged XX/XX/2018 {$17.00} interest charged I called again regarding the posted charges and a supervisor assured me that since there is an ongoing dispute the charges would be removed. However they are still posted on the account. Pleas help me with this dilemma. Thank you in advance.

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 2018-11-15
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-05-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX a seizure order was placed on my account and the account was frozen. {$8000.00} was removed from my account. A call to TD bank revealed they had received a sealed seizure order and could not give me any other information. TD bank stated whoever had initiated the order would contact me. I was also charged a processing fee of {$120.00}. The account was at {$0.00}. I did not receive notification of anyone regarding seizure of the money. I contacted the Department of Justice, IRS. They were not involved. Many phone calls were placed to TD bank on XX/XX/1920, XXXX, XXXX. They stated they could not release any information as the order was sealed and i would receive information from the party that seized the money. The account remained frozen. Calls were placed to TD bank 2x a week for four weeks. I never received notification regarding who had seized XXXX. 
On XX/XX/XXXX the complete amount plus processing fee was returned to the account and the account was unfrozen. FIVE WEEKS LATER. I want to know if this was the result of fraud, a banking error. Can I put money in this account again? DURING THAT TIME I HAD TO BORROW XXXX FROM FAMILY AND FRIENDS TO PAY MY BILLS AND FEED MY FAMILY. IT WAS EXTREMELY STRESSFUL. I conveyed multiple times to TD Bank that I had not been notified who seized the money. I asked them to at least notify the party and let them know I had no idea who seized the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Today I contacted Rushmore Loan Management Services based out of California. During this call I explained to Rushmore that we have been furloughed and laid off from our positions are requested a forbearance. This was granted however Rushmore is stating the forbearance is only for three months and we would need to pay the entire amount after three months. I explained the CARES ACT and was immediately told FHA are only taking three months at this time. I advised this individual you are not following the law and was immediately told to go to their website rushmorelm.com where they would have some 2 minute and 16 second video explaining the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: PNC Bank N.A.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY EX DAUGHTER IN LAW OPENED A AUTO ACCOUNT IN MY NAME AT PNC BANK WITHOUT MY PERMISSION! IVE CONTACTED PNC BANK SEVERAL TIMES AND SHOWN THEM POLICE REPORTS AND FTC REPORTS AND A COPY OF A SERVED WARRANT FOR THE CRIME AGAINST MY NAME. THE ADDRESS THEY HAD UNDER THIS ACCOUNT OPENED IN MY NAME WAS FRAUD AND THEY EVEN REMOVED THE ADDRESS AS FRAUD ADDRESS, BUT NOT THE ACCOUNT. WHEN THE ACCOUNT WAS OPENED I WAS IN XXXX XXXX XXXX IN XXXX FROM A XXXX XXXX  AND CAN BE VERIFIED WITH MY DOCTORS! SO HOW CAN I BE AT THE DEALERSHIP AND IN XXXX AT THE SAME TIME. XXXX XXXX XXXX WAS XXXX  AND XXXX  AND XXXX XXXX   OF THE XXXX  AND NOW IS XXXX  XXXX XXXX. I WANT THIS REMOVED OR I WILL FILED A LAW SUIT AGAINST PNC AND THE DEALERSHIP FOR ALLOWING THIS TO HAPPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One is reporting wrong dates and amounts on my credit reports, I call them and they just act like they dont now what Im not talking about.

Company response to consumer: Closed with explanation