BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We got behind on our morgtgage payments for the months of XXXX and XXXX. In XXXX, we had the money to pay the 2 past due payment to LoanCare as well as the XXXX payment, but we have not been able to log into our account ( they disable your online access after 2 months of being behind on payment ) nor have we been able to reach a person at LoanCare to try and solve the problem. 

My husband and I have called multiple times a day, every day since XXXX and the automated system identifies your account then hangs up on you. We have answered the phone when LoanCare calls us but it is just an automated message that tells you to return their call. 

I sent SEVERAL emails to every email address I could find. When you email customer service, you receive an automated email response saying they are no longer monitoring that email address. I emailed loss mitigation and even the email address for requesting payoff information in hopes of being able to reach anyone. I have never received a response. 

I reached out to them on XXXX in a private message on XX/XX/XXXX explaining the troubles I was having and they responded and gave me another email address to send an email to, I have sent 3 emails to that email address, still with no response. 

We have the money to make the 4 months of payments, but we are terrified to send the payment to them in case there's no one there to accept the payment. 

We did receive paperwork from loss mitigation to start that process last week, but we we still can't get ahold of anyone. 

We don't know what else to and we don't want to lose our house!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXX ACCT : XXXX, XXXX XXXX  acct XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX, XXXX acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had an issue contacting my mortgage company NewRez LLC. They have a ton of different phone numbers listed on their website, mortgage statement, etc. and none of them work and haven't over the past month. I have been trying to call to discuss my escrow account and every line is disconnected along with them not responding to my secured online messages. They have different addresses listed as well. 
Newrez LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX None are functioning phone numbers and I am worried this is a total scam! I pay my mortgage every month and I don't know how they can not talk to their customers. This is just scary!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company in question is XXXX. XXXX XXXX XXXX. I had to delinquent accounts with them and back on XX/XX/XXXX of 2020 I called them to see if I could make a deal on paying the debt. We had agreed on a recorded line for a pay and Delete. We agreed to roll both accounts into one lump sum. After crunching the numbers they gave me 50 % discount and agreed to delete the accounts within 30 to 45  days. Almost 2 months later when the accounts were still showing on my credit report I called them back. And they stated they did not do pay and deletes. They clearly lied to me to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
Hello, I have had an auto loan with Citizens Bank ( it is now paid off ). In XX/XX/XXXX I submitted a payment for the XXXX & XXXX loan amounts that were due, however, due to COVID and the XXXX holidays, I did not see the check being delivered or cashed by the Bank. When I called to check on status of the check being received on XX/XX/XXXX, I was informed that the payment was not yet received and it was reported as 30-days delinquent to XXXX. Immediately on the phone I processed a payment to bring the balance up to date, and two-days later the check was received and cashed by the Bank. 
Citizens Bank informed me that they were experiencing mail delivery delays due to the Holiday season and the effects of COVID 19. I asked the bank to remove the delinquent reporting since it negatively affected my credit score, and a dispute was initiate ( dispute # XXXX XXXX. In XX/XX/XXXX, I received an alert from XXXX  that the negative mark on my credit report was removed, only to find out few days later that it was re-instated and again resulted in a negative impact to my credit. 

One  would think that, especially during the COVID crisis, this Bank would work with its customer favorably, especially when no loan defaults occured and the Bank was 100 % made whole in a timely manner. 

Regards, XXXX XXXX https : //www.citizensbank.com/auto-loans/auto-finance.aspx

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: RoundPoint Mortgage Servicing LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a federally backed convention mortgage. XXXX XXXX holds the note. 

On XX/XX/2020 I wrote to RoundPoint Mortgage Servicing to request mortgage forbearance under the CARES Act ( HR 748 ). I certified that my wife and I " are experiencing a financial hardship caused by the COVID-19 emergency. '' I then specifically requested that RoundPoint put our loan on forbearance for 180 days, and that the deferred payments NOT be made due in lump sum at the end of the forbearance period. See CFPB ( https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/ ) In response, RoundPoint sent an  email on XX/XX/2020. The response indicated that RoundPoint would not honor my request under the CARES Act. In fact, the email required me to take additional steps of going to the RoundPoint website ( the URL of which, interestingly, was not included in the email ) to " request a temporary COVID-19 Forbearance Plan. '' Although I do not believe that email to be a valid response under the CARES Act, I honored the request and filled out the forms on the website. At the end of the form, Roundpoint offered to put the loan in forbearance for 90 days, with the forbearance payments due in a lump sum.

That option is not what we are entitled to under the law. It appears RoundPoint is trying to divert borrowers into the less favorable terms of its own forbearance program. I do not accept that " solution. ''

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 2023-02-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am unaware of this account on my XXXX  and XXXX credit report. I do not know where this account comes from. I contacted the collection agency with no response. I want to see how to fix this problem as it is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX years old ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of First Delinquency : XXXX, XXXX Last Reported : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: HEARTLAND PAYMENT SYSTEMS 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: Account information incorrect

Complaint:
I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding ECSI Federal Perkins Loan Servicer inaccurate reporting of my account information. ECSI send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that ECSI send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unable to withdraw my own funds at Bank of America ATM. I have tried on four different occasions and every time the ATM says " temporarily out of funds. '' I contacted BofA and was told my options are to go to a business and use my debit card, and request money back, or to use another ATM machine for which I would be charged. I told BofA that my friend uses XXXX ATM and has never had a problem getting money. BofA told me that they do not know anything about XXXX. I told BofA that maybe they should check with XXXX and find out how they handle their ATM 's. I have plenty of funds to withdraw and now I do not have access to my own money. The last time I tried was today, XX/XX/2020 ; the ATM will take a deposit but will not issue cash. My husband and I are high risk ; he is XXXX and I am a XXXX. Both of us are seniors.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX made me an offer for a credit card, by asking me what I wanted. And they provided me with a credit card that did not provide anything that gives me the benefit that I told them that I wanted. I believe that this was an invasion of my privacy and was a deliberate attempt to breach my privacy and deny me access to proper credit for travel. What I received was a teaser card that doesn't offer anything I was lured in with. The company is dishonest with bate and switch tactics that do little to nothing to harm the consumer. They give credit lines against my credit that are prohibitively disabling from helping to achieve my goals based on the offer made to Airline milage rewards. I was mislead into a card that fails to help me meet my goals. They accessed my trust and have been paid, yet they deny me my fair due of credit by assigning me to a card that is woefully insufficient and a violation of the Fair credit act as XXXX XXXX deliberately invaded my privacy with intention to defraud me by baiting me with a travel card but then switched to something I least wanted. I would not have answered if the had been forthright and honest as they are supposed account to GAAP ( Generally. Accepted Accounting Principles ) rules. 
On the XXXX of XX/XX/2023 and they gave a different card that didn't match the promise offered. Instead it's supposedly offers cash back that never comes.

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 2020-12-05
Company: EQUIFAX, INC.
State: MD
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 I send in a Dispute letter on the date of XX/XX/XXXX for a list of Inquiries did not Authorize The Inquiries are still reporting to my credit report and this not the first disputing Info on my report with Equifax and also call in about Authorize Info on my report date of XX/XX/XXXX. I was ask about 3-7 time Security Questions answered all correctly but they said it was not right and the lady on the phone was not trying to help keep on saying to me that Inquiries can not be removed and had me on hold for one hour VERY BAD CUSTOMER SERVICE Never had a chance to Dispute nothing on my report Fraudulent Inquiry details XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX  XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
COINBASEs transfer to a FRAUD SCAM Brokers : XXXX. I would like to bring your attention to a serious issue I have with COINBASE that first took place at the beginning of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX EUR! I would also like to point out that on the XX/XX/XXXXXX/XX/XXXX - I filed a dispute with COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in XX/XX/XXXX by a debt collector and made aware of a loan fraudulently opened with my identity with a Nissan dealership in XXXX, CA in XX/XX/XXXX. I did not have sufficient credit to obtain a loan at that time. I do not understand how someone purchased a vehicle without proper identification or documentation such as social security card, employment pay stubs, etc. I filed a police report and have tried numerous times to get information on who the salesmen was and who the finance officer was that approved this loan without proper identification with no success. The dealership will no cooperate nor give my any info or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my home mortgage. Currently, my mortgage is with XX/XX/XXXX Loancare and I am refinancing with XXXXXX/XX/XXXX XXXX XXXX, CT XXXX. XXXX and I have been requesting my payoff statement since XX/XX/2021, but any phone calls made to customer service would be dropped upon making the request and the dozen electronic requests have been ignored as well. Currently, this is the last step in the closing process of refinancing and I am afraid I will lose my opportunity to close at the interest rates that I locked in as a result of XX/XX/XXXX ignoring my request for the payoff statement. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced two loans recently, all went well until it was transferred to Specialized Loan Servicing.

The have serviced my account for almost ~4 months and only gave me one call, to inform me I had not paid my mortgage. However they had not sent out any paperwork to me, informing me of where/how/when to pay. Upon inspecting the bill, I noticed they did not have any escrow set up for taxes and insurance - which was something we asked for specifically. Attempted to call them, which leads to no answer after a mandatory ~8 minutes robot prompt maze, then a statement saying you will be called within 72 hours.

After completing this processes multiple times over the course of two weeks, I finally got a call back. This person stated we will be all set up and not to worry. Escrow is set up and we will be fine to not worry about taxes or insurance. Awesome, right? Nope. 

I've now received a call from my insurance company that my payment has lapsed and I have no insurance. Calling SLS, after going through all the prompts and waiting for a call back -- I'm told " oh we only set it up for one of your accounts two months ago, but it isn't done yet. you should call a different department, the escrow one ''. Call escrow department, " no sorry, we won't pay your insurance you have no escrow, you need to call back the people you just spoke with ''. Get a call back from them a few hours later " no we can't do anything, but I asked escrow to set up your escrow. '' Now I've paid my insurance, and my late fee. However the company has yet to call back or email back about what has happened, or if my accounts are promptly set up. When I call, it still states that my phone number belongs to an account " we have no transferred yet ''. 

After chatting with the latest customer representative - they said I now need to email XXXX and ask them for an answer, because no one who answers a phone will know. I also need to re-explain everything to them, as they don't have access to my account information or any ticketing systems, and they " may '' do something. This was seven business days ago at this point - and no reply, not even an automated one has been sent.

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 2020-05-10
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:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, 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