BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unauthorized withdrawal from XXXX  XXXX  Checking account by Mr Cooper. XX/XX/2021. They have fixed this issue. 
This error occurred to many individuals. Brought my checking account below XXXX. 
Again, not authorized!!!!!! No explanation or guarantee this will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collector has placed the same collection account on my credit report 3 times. This is seriously affecting my credit score! 

Derogatory Account Reported By I.c. System, Inc Reported On XX/XX/2020 ( also reported in the XXXX, XXXX ) Account Balance {$390.00} Each time they change the amount to make it appear as a new account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was supposed to receive a payment of approximately {$620.00} in my XXXX XXXX for selling bitcoin on coinbase. Coinbase.com has been unresponsive so far about the missing payment. They shut down their phone line and are no longer taking calls. 

In my account history it says the payments have been complete. However if have not received my owed money yet from them. They have been completely unresponsive so far. 

The transactions are as follows : XXXX XXXX - Checking {$4.00} USD Completed XX/XX/XXXX XXXX XXXX XXXX - Checking {$610.00} USD Completed XX/XX/XXXX So far I can not reach anyone at coin base. I 've tried calling, submitting claims, and messaging support via XXXX. They have stonewalled me so far

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After over 18 years of doing business with USAA my checking account has been closed involuntarily.  Not only is USAA breaking the law in terms of the civil rights bill of 1866 section 1981.  I am appalled how they froze my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: AmeriHome Mortgage Company, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage/XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX, NJ XXXX Property address : XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX My home went to sheriff 's sale on XX/XX/XXXX My home sold for more than $ 32,000+ more than what was owed Plaintiff 's ( Amerihome Mortgage ) Attorneys disbursed {$130000.00} to Amerihome which covered all Principle ( {$110000.00} ) & Interest ( from XX/XX/XXXX - $ {$6900.00} ) MIP/PMI ( {$230.00} ) Late Fees ( {$95.00} ) Recording fees ( {$13.00} ) Escrow Advances ( {$5800.00} ) Foreclosure attorney fees ( {$2200.00} ) Process Service Costs ( {$320.00} ) Court Costs ( {$1000.00} ) Publications ( {$500.00} ) Corporate Advances ( {$1900.00} ) Totaling {$130000.00} My homeowners insurance carrier ( XXXX ) issued a check for escrow overages for {$2100.00} on XX/XX/XXXX which they stated ( and maintain ) is owed to me but were legally required to send it to Amerihome/XXXX  ( mortgage company ) first and that Amerihome/XXXX  was to issue that same amount to me immediately upon receipt. 

I have called Amerihome/XXXX  dozens upon dozens of times to have the funds issued to me. I was told : XX/XX/XXXX that the check was issued and to expect it in 7/10 business days. On XX/XX/XXXX Amerihome/XXXX stated to wait a few more days due to Covid-19. 
On XX/XX/XXXX ( another phone call I made, lasted 3 hrs wait time ) I was told there was an FHA issue and that a specialist had to clear a code on their computers to issue the check, completion date was to be XX/XX/XXXX. I called again XX/XX/XXXX and was told it would be cleared by XX/XX/XXXX. I called again XX/XX/XXXX and told it was pushed to XX/XX/XXXX. I called again on or about XX/XX/XXXX and was told ( after multiple other calls where I was hung up on, transferred to multiple departments, promised a supervisor call back, none of which ever came to fruition ) that I would have to send a Qualified Written Request letter to a PO Box in New Jersey to have it resolved.

I am forwarding this same complaint letter to Amerihome/XXXX  at the Qualified Written Request PO Box detailing the aforementioned. 

In addition to the {$2100.00} I expect to be compensated for time. My company charges $ XXXX/hr for my expertise. I have logged over eight hours of working time spent following up on getting my escrow refund with Amerihome/XXXX  during business hours, totaling {$8800.00}. Combined Amerihome/XXXX  should pay me {$10000.00}. 

I expect Amerihome/XXXX  to release my funds and issue a check written to me immediately. 

Please confirm receipt and provide details as to next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection agency called me XX/XX/2021, XX/XX/2021, and XX/XX/2021. Ive told them several times that Ive been In contact with my insurance company and my insurance company was handling everything on their end to try and correct this. They kept telling my insurance kept denying payments when I just talked to my insurance on XX/XX/XXXX about this and my insurance company told me that it would take several days to take certain things in affect. I told the debt collectors on XX/XX/XXXX that I literally called my insurance company on XX/XX/XXXX and told the debt collection agent that my insurance company said it would take several days to resolve and respond to me the debt collector told me that they will deny it again like the last two times. I told them on XX/XX/XXXX to no longer contact me through voice calls and only through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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:
I was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under my name.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.

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 2020-10-28
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle is a very unorganized establishment, Ive gotten three different payment plans during the covid reliefs program. They have all been inaccurate and nobody at the company can give me a straight answer as to when Im to resume payments. Ive asked to speak to supervisors on multiple occasions and they tell me they can not transfer someone to one. I would have to schedule a call back, Ive done that and still havent received the call back a week and a half after it was scheduled. They dont take peoples lively hood into consideration. These are serious matters with very untrained unfriendly staff. Ive never missed a payment before this and dont want this to hit my credit as a late payment and ruin the track record that Ive had. Every letter has different amounts thats to be deferred, different amount of payments being deferred & different due dates. Out of three representatives, none of them have had consistent information and talked to me as if I was the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
y husband and I signed the refinance closing disclosures with Interactive mortgage on XX/XX/XXXX for $ XXXX yr. It was a no fees no cost loan. We also wrote a check of {$130.00} to cover the difference between the payoff amount and the new loan. The loan did not fund until XX/XX/XXXX. So, in the mean time I paid my monthly mortgage of {$2300.00}. On XX/XX/XXXX, XXXX XXXX, the loan processor, called me to esign a new closing disclosure that {$250.00} was going to me. Well, I received by XXXX the new closing disclosures and a check of {$2000.00}. The new closing disclosures had a charge called principal reduction of {$250.00}. I should get a check of {$2300.00} from Interactive mortgage since I paid my loan between XXXX and funding. 

I contacted XXXX XXXX by email and phone several times to resolve this issues. She said the {$250.00} is deducted from the first mortgage statement. I told her that did not make sense since the new lender sent email saying my first payment is what its supposed to be. I even contacted XXXX XXXX, the loan officer, and he said its not his department and referred me to the manager saying he will contact me. I have not heard anything from the manger since nor from XXXX XXXX about this issue. 

Bottom line is there is a discrepancy in the new loan disclosures. What I put into this loan is not what I getting back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX, I received a letter in the mail. When opening the letter i realized I received a US Bank Reliacard XXXX XXXX card in my name. The back of the card states it is from the Ohio Unemployment Insurance Program. I am not a Ohio State resident and I have never filed for unemployment. I would like to file this and cancel the card, but every time I call the US Bank number, i can not get through.

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 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
At the beginning of XXXX my identity was stolen. This person ran my credit about 28 times from all 3 bureaus. Yes, I take accountability for the inquiries I made. However I've been disputing these unauthorized inquiries for many months now, and nothing has gotten resolved. I've written the original creditors and credit bureaus regarding this issue. For many months now I've been getting the run around. I've placed a fraud alert and freeze on my credit file, to prevent anymore fraudulent applications. 
CAPITAL ONE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. Please help get this resolved or point me in the right direction. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Based on goods not delivered by the merchant, a dispute was submitted. Prior to submitting a dispute, I contacted the merchant to resolve. I got an email from Amex indicating that there was a secure message which I was not able to find in the site and unable to access. At this point, I used the chat feature to connect with Amex to see what they required for dispute information. The information on the dispute was generic and did not provide specific for me to action on. " We require additional information from you to resolve your claim. If you have not done so already, please provide the requested information at your earliest convenience. The Inquiry Reference Number is displayed above. '' I tried the upload but that received an error and the agent gave me another link to another page to upload which failed few times. First chat agent did not seem to understand the issue so I asked for supervisor. Supervisor asked to submit a letter detailing out the issue which was addressed in the original complaint. When I asked, there was no additional information nor there was any additional information. I did not receive specific information about request in paper mail or email asking for information. I have uploaded the letter, order, invoice with merchant note indicating not shipped, and merchant indicating they will refund missing item. Chat reference : XXXX Inquiry Ref. No. : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: PCR Group
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, the Account Adjustment Bureau , Inc. contacted me for collecting {$2000.00}. A facta letter was emailed to me, which shows the money collection was regarding to the XXXX XXXX XXXX. However, I have never signed a lease with XXXX XXXX XXXX, and I have never lived in the XXXX XXXX XXXX. I do not know it at all. I emailed back my disputations on XX/XX/2020. 

On XX/XX/2020, I found a debt was posted on my credit report, by the Account Adjustment Bureau, and the original creditor is XXXX XXXX XXXX, which I never had any legal documents with, and I do not own any money to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company contacted my parents, in-laws, etc to attempt to settle a pending legal action regarding a debt my wife owed. They recited my wifes personal identifying information and included her SS number. They claimed they were collecting a debt that my wife had settled in 2008. They included a paper that indicated their agency was called XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia with a phone number of XXXX ( XXXX ) XXXX. XXXX searches seem to point towards this number being report as a scammer. I am reporting this because the company seems legit enough to know my wifes SS number and old prior state drivers license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Nelnet, Inc.
State: GA
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 I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I told the CEO I would pay the debt. ( XX/XX/2022 ) I paid the debt in full ( XX/XX/2022 ) They claim I didn't pay it ( XX/XX/2022 to XX/XX/2022 ) I asked for my payment coupon back. ( XX/XX/2022 ) They " lost '' it and/or " did not credit '' my account ( XX/XX/2022 ) I wrote them to send payment back to me or discharge the debt. ( XX/XX/2022 ) I received notice that because I didn't adhere to my " card member agreement '' they would " reserve the right to report the account as delinquent to all credit reporting agencies '' ( XX/XX/2022 ) On XX/XX/2022 I sent a certified mail letter demanding they either return the payment or discharge the debt. I have not heard from them except that they will report this account delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the course of the loan with Finance of America Mortgage, when gathering documents, the loan agent would repeatedly not respond for days at a time and then rush us to gather certain documents. One particular item was mortgage statements for a rental property that I own that she wasted a whole week going back and forth about documents on. 

On the date we were supposed to close the loan after our second extension, the same loan agent deliberately lied when we told her we needed to close and sign that day, which she knew because she was provided with all of our extension deadlines. She claimed we had an additional extension from the seller which was 100 % false ( the seller even said so in an email ) to further delay the close of our loan which would cause us to lose our deposit for not closing the loan in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Caliber Home Loans, Inc.
State: NY
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:
Account XXXX XXXX Caliber Home loans still reports the account as unpaid and or late. The account was Refinanced by my Ex Wife. Caliber Home Loans refuses to correct my Credit Report to show that the mortgage was PAID IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a XXXX loan for my XXXX  program through the XXXX  XXXX  XXXX XXXX. The company that services this loan is call XXXX XXXX. This {$48000.00} loan is being collected at an interest rate of 10.25 %. in XX/XX/2020 I applied for a reduced payment plan with this company. My request was approved and all payments were made on time via direct withdrawal. Despite this, the company reported the acount as 60-90 days past due. After contacting them they acknowledged the era stating that although I am on a payment plan the system hasnt been updated to reflect that but that it would be fixed. This happened in XX/XX/2020, causing me to lose approx. {$15000.00} in available lines of credit form my other creditors through credit line reductions and/or credit card closures. it took approx. 8 months for my credit report to be updated. Once fixed in XXXX. 2020 I thought this problem was behind me only to have the exact same thing happen on XXXX XXXX XXXX causing my XXXX  credit score to drop 50 pts. despite the payments they are taking from me via direct withdrawal and the agreed upon payment plan in place. My husband and I were also days away from purchasing a new vehicle because the engine went out on our current car and now we can not because of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2020 I was helped But as I put an application i got denied I don't want to be homeless with my loved ones and would appreciate if anything can be done to help with me using my credit at the moment

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