BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our home was severely damaged due to Hurricane Harvey. We had up to two feet of water flood into our home. We did not have Flood Insurance as it was not required at our address. FEMA graciously gave us a great sum of money to repair, but it is no where near what we need. Therefore, we have applied for and received a loan from the XXXX to rebuild. However, to continue the line of credit with the XXXX, we are required to get a " Prior Lienholder Agreement '' filled out, signed and returned by our mortgage company. We contacted our mortgage company, Carrington Mortgage Services , LLC, to find out how to send the form. We were given a fax number but no other means of contact. On XXXX XXXX, XXXX, I sent my first fax, requesting the form be filled out and faxed to the XXXX etc. I also requested that I be contacted when the form was received, so I could ensure it was being taken care of. I also let them know that if I received no confirmation, that I would continue to fax the form daily. I was able to verify that the form was sent to a different department within Carrington Mortgage Services , LLC, but again, there was no way for me to speak directly to this department to verify handling. I continued to fax the same letter every 24 hours ( during business days ). After 11 business days, on XXXX XXXX, XXXX, I redrafted my cover letter to again ask for the form to be filled out, contact to verify expedience, and to let them know that after 15 business days I would pursue filing official complaints. On XXXX XXXX, XXXX, I sent my last attempt, a full 16 business days after initial contact. 
Again, I redrafted the cover letter to make sure they were aware of my intentions. As of today, XXXX XXXX, I have not received any contact from Carrington Mortgage Services , LLC, that they have received or are handling the request. I have also verified with the XXXX that they have not received the form. 
It is in Carrington 's best interest to return the form to the XXXX immediately, as it allows us to make necessary repairs to the property. I have attached the three different faxes I have sent to Carrington, and I have copies of all Facsimile Transmittal Receipts if proof is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attempted to assume and receive a mortgage modification after my mothers XXXX XXXX/XXXX/XXXX. 

Applied through loan servicer ( Select Portfolio Servicing ) on XXXX/XXXX/XXXX. 

Denial letter received from loan servicer on XXXX/XXXX/XXXX for the following stated reason : Discharged Bankruptcy not Readfirmed Mortgage was already in an active modification and was based on my mother and my income prior to her XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Carvana Group, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Contacted Carvana on or approximately XX/XX/2021. Explained that I had an open case with the XXXX County Sherrif 's Office in regards to someone using my personal information for identify fraud. Explained that I saw a hard inquiry from Carvana on my XXXX credit report and wanted to learn more at that time. I was told by that Carvana representative that they could not tell me anything over the phone and I would have to email XXXX and provide them with the case number. I emailed that email the same day and provided the Sherrif 's office number, the case number, and my contact information as well.

I called back Carvana XX/XX/XXXX, as I had not received any sort of communication. The Carvana representative asked me for a VIN for the car. I stated I didn't know what she was talking about and that I wasn't provided any information last time I called. She stated Carvana should have provided me with a VIN to attach in the email I sent. This VIN is for the car the person attempted to purchase with my information. I then emailed XXXX the same day and provided the VIN. They said I should definitely hear back by XX/XX/XXXX. 

I contacted Carvana on XX/XX/XXXX, and explained to the representative XXXX XXXX or XXXX XXXX of the ongoing issue and lack of contact. I explained that the XXXX County Sherriff assigned to my case was also have difficulty getting ahold of a human when attempting to call. I was placed on hold and when she came back on the line she stated " unfortunately there is nobody available to answer your questions. We don't have a fraud department. You will just have to wait until someone responds to the email '' I explained I had already been waiting and I did not believe anyone would reply to me. I asked to speak to a supervisor. 

After being placed on hold I then spoke to someone named " XXXX '' who claimed to be a supervisor. He stated going through email was incorrect and that I would have to send a physical letter to their Underwriting Office in Arizona if I wanted to learn anything else. I asked if Carvana could just provide relevant documents to the Sherrif 's office. He stated " I can't go over anything over the phone ''. I asked if Carvana kept any security footage so it could possibly be used to identify who was using my information. He said " I can't go over anything over the phone ''. I stated I felt like Carvana was intentionally obstructing an open investigation by refusing to even contact the police. XXXX sighed and said to write a letter, quickly said the address before I could write it down and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions 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:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2018-01-18
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
called at work on the following days. They were informed on XX/XX/XXXX to not call me at work 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I noticed the amount of interest accumulating on my loans has not been adding up the past several months. I called my loan service provider, Nelnet, for the first time on XX/XX/19 at XXXX and talked to XXXX . He investigated and found a mistake in my Loan Group B, Number 8. One of the loans in this group should not have been placed in this group and so none of my payments have gone to this loan over the past 5 years. Therefore, this loan was accumulating interest non-stop. He stated the mistake would be fixed in 3-5 business days. My main concern was that I would be responsible for paying for all of the interest. Nothing changed for several days so I called again XX/XX/19 at XXXX and talked to XXXX . She agreed that she could see the process was started to remedy the situation but that it was not complete. I got an email XX/XX/19 that my one-time special payment instruction was approved, indicating future payments will now by going to this loan, however all of the interest was still present. I feel I should not be responsible for paying for all of this interest when it was a mistake from my loan service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2021 Capital One Bank illegally confiscated funds granted to me, ( XXXX XXXX XXXX ), by the Alabama department of labor via a closed account. I wasn't notified and contacted them XX/XX/2021. The issue was not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: Grain Technology, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Grain is set up to automatically draft out the payment when its due. Because it was going through a new integration due to it merging with another company it did not do it on time. It said it would post on Monday XXXX but the payment was set up on XX/XX/28. The payment was automatic, set up in advance, and now is showing a late on my credit report due to some technical glitch within their system. I have reached out to them several times with no response. The payment was made, my account is at {$2.00} with them yet they are still reporting it as late due to their own technical difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
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:
These accounts are wrong and have been placed back on my credit report after they were deleted, see dates of deletions XXXX-XXXX-19, XXXX-XXXX-19,XXXX-XXXX-19. 

Bankruptcy # XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I continue to be charged interest on purchases even though I am still within the 0 % promotional period on purchases until XX/XX/XXXX. I contacted American Express after I noticed this on my first statement in the amount of {$21.00} The customer service representative reversed the interest and credited my account. He said that it was a known issue and it was now fixed and I would no longer have a problem. So, when I received my XX/XX/XXXX statement, I had the same issue. I was charged {$41.00} in interest on purchases. I contacted customer service and again was told that this was a known issue for some customers and they were working on a solution. I was informed that it would be resolved. This time I was not issued a credit back to the account. Please see attached documentation. Thank you so much in helping to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Mountain Run Solutions, LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an alarm service contract with XXXX in XXXX XXXX. They used XXXX  to provide the service. In XXXX I stop receiving the service. When I called XXXX  I found out they changed names to XXXX XXXX XXXX. I told them about the problem and they were not able to find my account. They found an old one ( many years back ), but never my current one. 
Since I was not receiving the service for about 8 months already and my account was no where to be found in order to cancel it, I asked the back to stop making the automatic payments. When the bank did so, XXXX XXXX contact me and told me I owed them that money that the bank didn't pay at my request. I told them about the situation and they said that i need to cancel in writing ( by email ) but first I had to pay everything I owed ( {$76.00} ). I paid the requested amount on XX/XX/XXXX. I then send the cancellation email and XXXX XXXX responded that the written cancelation was received. The account was then cancelled. 
Several months later I see that I have a collection agency, Mountain Run Solutions, impacting my credit report with charging me {$330.00} from XXXX XXXX. When I called they said that I didn't cancel in writing. My bank was making the automatic payments until the end. I payed what was requested from XXXX XXXX to settle my account and cancelled it. 
I have called XXXX, XXXX XXXX and Mountain Run Solutions ( the collection agency ) and non of them can help me they say. I am contacting CFPB, since I don't think this is a legal practice. I looked online and there are a lot of people just like me that this appeared on their credit without any notification first. 
Neither XXXX XXXX, XXXX, XXXX nor Mountain Run Solutions sent me any invoice of notification of charges before impacting my credit negatively. To me this is not fair nor legal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
when I purchase this car I bought extra coverage in case of damage to the car from XXXX Toyota called Guaranteed Auto Protection ( GAP ) program from Toyota Financial Services. According to my loan contract ( attached ) no other insurance is required. Also my auto loan is with Toyota Financial Services. On XXXX I has a collision which my car was totaled and the police officer at the seen suggested I put the car in impound. I contacted Toyota financial and the told me they 're going to have the car towed to the nearest dealership, I also contacted the Toyota GAP to file claim and they told me the the Toyota financial services loss department has to file the claim. I also contacted my insurance and they denied the claim since it was my fault. I received a letter requesting my insurance information from Toyota and I fax it to them with police report. It took over 8 months for the account to go to loss department. I contacted the loss department and I told them that I have GAP ins and they told me loss department has to file the claim they told they would. Every time I called the Toyota GAP they told me and transferred me to Toyota loss department and would n't help me. I was transferred so many times between the department and I did n't receive any request for document except the intitial insurance information. I waited 5 months when I called Toyota loss department they told me that Toyota GAP has denied the claim and that my file is empty and they have nothing to provide Toyota GAP. Also they did n't know why Toyota gap denied claim. I called Toyota GAP and they transferred again to Toyota loss dept. and they transfer my to Toyota recovery and they told me that the account has gone to collection and they wont take calls from me that whatever question I have to call the collection department. The collection would n't help me I called so many times Toyota GAP till I got the letter enclosed the requested item from Toyota GAP to pay the claim and I see that Toyota loss department could have provided all of these items and I have them too with the exception of the " lienholder/lesser report '' in lieu of the repair estimate. I need this form to have the claim paid. I want this file reopen and all of item on the Toyota gap request to be sent to them to have claim paid and writ off to be removed from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: AmeriHome Mortgage Company, LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made two partial payments to my mortgage company using my bill pay with my bank XXXX XXXX XXXX XXXX checking ) on XXXX XXXX and the other on XXXX XXXX. I began getting notification that I had not made my payment and upon contacting XXXX Mortgage XXXX my mortgage company ) I was informed that the amount sent in on XXXX XXXX in the amount of {$940.00} had been sent back as NSF, I found this odd because I was under the impression when using bill pay the funds are sent directly from the bank to the merchant, so how could they be returned as NSF. Regardless, I contacted my bank and they did an investigation which came back as the XXXX Mortgage had accepted both transactions I made. I have made countless phone calls and have been told half a dozen stories about where the money is and my status for my XXXX payment. They are no longer answering my calls when I contact them or I end up in their hold system for hours. I 'm unsure how to move forwards with this and am very afraid to send another payment to them at this point. I have both trace numbers for these transactions and have forwarded them to XXXX in hopes that they will rectify their error. I do n't know how this is effecting my credit score and now that it 's XXXX my XXXX payment is officially due. 
XXXX payment debit trace XXXX {$940.00} XXXX payment debit trace XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a customer of Bank of America for years and recently My identity and card was stolen and major fraud was committed on my account. Someone stole over {$7000.00} on XX/XX/XXXX, using my debit card that was stolen along with my phone. I reported the fraud immediately to the bank on XX/XX/XXXX once the transactions posted and a bank was open as my phone was stolen and i couldn't call, and with it being a holiday on XX/XX/XXXX all banks were closed. and to police on XX/XX/XXXX and the bank denied my claim without proper investigation or even requesting my evidence in 2 days of me making my intial claim on XX/XX/XXXX. So i called and requested my claim be reopened on XX/XX/XXXX and sent in documents, and you know what they did. They denied my claim again without telling me why or proper investigation after 2 days again on XX/XX/XXXX. How is 2 days enough time for an investigation of Fraud. what is the point of banking with a bank that " supposedly '' protects you from fraud and says they give 0 liabilty due to fraud yet won't even take due dillegence or time conduct a investigation to fraud. I couldve swore bank account fraud protection is addressed under Federal Reserve XXXX XXXX. So i had to call and request my claim be reopened again on XX/XX/XXXX, and you know what the supervisor told me, " What we would need is a police report to reopen the claim '' I had already sent in that information days ago. So that means someone denied my claim without even looking at the documentation i had sent in. Unprofessional. Now its been a week and still no update and a representative told me it ould be weeks before my claim is even " reconsidered " to be reopened and the funds stolen possibly credited back not within the 10 days advised by XXXX XXXX I have bills and XXXX XXXX that i a have to take care of and my supposed bank chose not to protect or help its customer and is now telling me that it wont even credit the funds after they failed to perform a proper investigation. This is extremely unacceptable and i believe its time to find a new bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: OneMain Finance Corporation
State: OH
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:
I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- OneMain Financial - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 and so has my credit data, and the only way to understand my true credit worthiness is to dispute the following accounts inwhich is not mines, 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00} And as a resident/ consumer of Missouri and in pursuant to FCRA 611 ( a ), a consumer credit reporting agency who improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data can cause a civil action against themselves via credit reporting agencies. 
I have also requested for certified physical documentation, or as written within the laws of the FCRA these accounts shall be blocked 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