BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
8 weeks ago my mortgage was raised by XXXX and when i contacted lakeview loan servicing my lender they told me my property taxes were raised and they could not explain why. I contacted the county of XXXX XXXX counties office of the assesor and discovered my deed restricted home 's value ( BMR ) was recorded at the full amount. As of XX/XX/2016 the purchase date, my home was recorded at the value of {$680000.00}, instead of the restricted value of {$380000.00}. I provided all the documentation to the county who made the correction and provided me documentation of the mistake. As a result, my lender overpaid my 2017-2018 taxes by over {$3000.00} and had overdrawn my escrow. I contacted lakeview and provided them with all the documentation stating the mistake from the county and a new tax bill showing the correction and I cant get anyone to respond to my emails or my calls to fix this situation from lakeview. Last month I had to pay an extra {$600.00} on my mortgage and this month an extra {$250.00} and every time I speak with a manager who says they will call me back, no one does. They tell me there is no one that can take my call and I have overpaid this lender almost {$4000.00} and no one is willing to explain how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Account status incorrect

Complaint:
I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX  loans it shows as if I have various late payments its not accurate or fair that this is on 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 2020-09-11
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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a charge off in the amount of {$15000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XX/XX/2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I contacted Equifax to remove items from report they have done nothing, they did not advise me in time and they keep sending me messages but can ; t open up to their site to get my report. They DID NOT advise me in time of 30 days of required response. I have tried to chat, go on line, call and get no responses within the required 30 days. I want to file report against Equifax. They only sent me a message AFTER i made my complaint to you. They did not meet the 30 day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have savings bank account with Synchrony. These folks are some real crooks that they are not letting me use my own money. They are telling me that I won't be having access to my deposited money for 6 business days because i am a new customer. That's simply ridiculous. Moreover 6 days are far from over. Tried chatting with them and talked to neshela ( supervisor ) today around XXXX XXXX. 
If the funds are deposited on XX/XX/2019 they should be accessible to me at the most on XX/XX/2019. But they are telling that it will be accessible only on XX/XX/XXXX. 
we have already sent the signature card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Background : Cash App advertised a boost or credit of {$5.00} that can be used on any purchase This boost is automatically unlocked after making one purchase at XXXX Once available, the boost must be selected in app prior to making a purchase in order for the credit to apply For locked boosts, the unlock process is automatic after a qualifying purchase and does not require anything to be selected at anytime - in fact, its not possible. 
Only when using a boost does it need to be selected in app, prior to use towards a purchase. 


Problem : I made a qualifying purchase with XXXXXXXXXXXX  on XXXX/XXXX/2020. 
The boost was not unlocked automatically, so I contacted Cash App email support for assistance. 
Multiple Cash App support representatives have replied, incorrectly telling me that the boost wasnt selected at the time of purchase and that is the reason the boost is still locked. They have refused to correctly identify the problem, fix the issue, and unlock the boost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just got a copy of my credit report and noticed this bill from XXXX XXXX for {$1200.00}. Dated for XX/XX/XXXX but It wasn't assigned to my credit until XX/XX/XXXX. I had already moved to XXXX. XXXX paid my bill in XXXX and it had to be paid in full. How could I owe {$1200.00} in XXXX? XX/XX/XXXX I came to XXXX to find a job and residence before I moved here the end of XXXX. I don't have the receipts from The Department of Human Services, but I don't owe XXXX XXXX XXXX No more than {$100.00} for final bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, Equifax and XXXX and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying for the past 7 days to initiate a freeze on my credit report online at Equifax. I was able to quickly and without problems perform the same operation online with XXXX and XXXX. I do not wish to attempt a freeze with Equifax via telephone, as I am concerned about security. For 7 days I have experienced various unavailability of pages, and inabilities to complete the process online with Equifax. I believe this is either intentional, or gross incompetence. Either way, I believe Equifax should be forced to take their service offline. They do not deserve the trust of the American public.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: IL
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 XXXX, I went to Experian to check my credit score using my registered email and updated password. I was a former Executor of my deceased mother in XXXX. Her account came up as my account with my password and pin. My mothers account needs to be deleted and my account needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Ocwen Financial Corporation
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:
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
Ocwen loan servicing llc XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late

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 2018-07-03
Company: WELLS FARGO & COMPANY
State: NV
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:
On XX/XX/2018, after my XXXX check was automatic deposited into my Wells Fargo checking account ( only income due to total and permanent XXXX for over 8 years ) it was immediately sent to a unknown person that I have never done any business or received any complaint regarding a debt. Wells Fargo is aware that this is XXXX benefit and allowed a judgment that I was not aware of take over my monies which now I am unable to pay my bills, go to the doctor, buy food, insurance payments, etc. I was not notified of any judgment from the person or Wells Fargo. I have filed several complaints but Wells Fargo is ignoring the laws on XXXX benefits and my complaints. 
Still, today I can not get any information as to where is my money. The whole check is gone. Also, I continue to miss money or had several complaints over the last year about someone going into my account taking my money.

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 2020-01-29
Company: Mobiloans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I sent many emails to Mobiloans trying. I tried setting up a payment plan on the principal only of the {$2100.00} loan taken. They were unwilling to work with me on any payments. They called my home, cell and work day in and day out, even after I requested written correspondence only. Once I found out and notified them that they illegally operated in the state of Washington and that all interest under XXXX must be refunded they stopped contacting. but they have continued to put on my credit report causing serious damage to my score.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I deposited a {$5000.00} personal check into my account through the mobile banking app on my phone. On XX/XX/2018, this posted as a present balance but not available balance. On XX/XX/2018, 7 calendar days after I made the deposit, the funds were still not available and I called Chase. They started questioning what the purpose of the funds were for. Then they stated that because I don't normally make deposits of this size, they were going to hold the funds until XX/XX/2018. They did not give any reason as to why I was subject to this unreasonably long hold of 12 days other than the fact they couldn't verify the funds from the bank XXXX XXXX where the check came from through an electronic portal and that I'm not a customer who " routinely makes these deposits this large ''. 

The actions by Chase bank for placing an unreasonably long hold on my check deposit are a violation of 12 CFR 229.13 because my circumstances don't meet the basic definition required to establish doubt of collectibility : ( e ) Reasonable cause to doubt collectibility ( 1 ) In general. Sections 229.10 ( c ) and 229.12 do not apply to a check deposited in an account at a depositary bank if the depositary bank has reasonable cause to believe that the check is uncollectible from the paying bank. Reasonable cause to believe a check is uncollectible requires the existence of facts that would cause a well-grounded belief in the mind of a reasonable person. Such belief shall not be based on the fact that the check is of a particular class or is deposited by a particular class of persons. The reason for the bank 's belief that the check is uncollectible shall be included in the notice required under paragraph ( g ) of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I refinanced the auto in question in XXXX of XXXX ... My new lender paid the note in full which clearly shows in my statement from original lender ... The day after buy out was complete they received an additional payment from me which they processed ... The original finance company continues to show my account open with them ... I was made aware of this when I was denied financing on the purchase of a new vehicle in XX/XX/XXXX because my credit report showed two outstanding car loans ... I have I have called the finance company monthly since this time to resolve the issue ... Each time I was told " We see here that the information you've given us is correct We will submit a request to have the account closed ... check back with us in 3-5 business days to confirm. '' I call back to confirm and SURPRISE I'm given the same information again SAME response ... SAME RESULT ... Issue has yet to be resolved ... MY ONLY CERTAINTY I WILL NEVER FINANCE A VEHICLE THROUGH KIA MOTOR FINANCE AGAIN ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2020, I wrote to XXXX, Equifax, and XXXX requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus is reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2017-08-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, 2017. I called XXXX to settle this account, I was informed they no longer owned and had no.control. so I pulled up credit report and got the buyers information which was XXXX XXXX aka XXXX XXXX. I did a one time settlement amount of XXXX. It was agreed that accounts would be removed. The same account was showing twice. One under XXXX and other XXXX XXXX. I waited 30+ days to see if they were going to stick to their word and remove from credit reports. XXXX XXXX did. XXXX still to this day has the tradeline as charged off. Once they sold account they should have recused themselves and took it off. As they no longer owned the debt. I called XXXX XXXX to see why it was still showing under XXXX. They told me XXXX had falsely reported what happened with account. At first it just stated charged off. I proceeded to call XXXX in good faith after paying asking them to remove and change tradeline. This has went on since XXXX XXXX wo n't acknowledge the past debt at all. I 've paid the bill, when something shows charged off, it appears to others the bill was never paid and makes person trying to correct their wrongs look even worse. It also appears like they 're getting a tax write off/break instead of showing they actually got paid for selling the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Stuart-Lippman and Associates, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Stuart Lippman and Associates based in XXXX, Arizona first called me on Thursday, XX/XX/XXXX at XXXX. XXXX XXXX spoke to me over the phone. She stated the name of the person she was wishing to contact. For the purpose of this report, let 's call him XXXX. I informed her that I was not XXXX and asked her to please not contact me again, as I am obviously not the right person. I received another phone call from XXXX XXXX on Thursday, XX/XX/XXXX at XXXX. Exactly one week after I informed her that I was not XXXX. I believe they record all of their phone calls so all of this information should be available to them to listen to again. I missed their first call, so I called back on the same day ( XX/XX/XXXX ) at XXXX to once again ask them to stop contacting me. On the call on XX/XX/XXXX at XXXX, I informed XXXX XXXX once again that I am not XXXX. Again, I requested that she not contact me further as I have no debts, am NOT XXXX, and have already requested once to not be called. I asked them to place me on a " do not call '' list and XXXX informed me that they don't have a " do not call '' list. I told XXXX that it was illegal for her to continue contacting me, as I have requested she stop calling, AND informed her twice that I was not XXXX. In response, XXXX stated, " well then have your dad call us back. '' I believe the behavior of this company and XXXX XXXX is absolutely inappropriate. XXXX XXXX 's actions on behalf of her company were a direct and illegal breach of the Fair Debt Collection Practices Act of 1978.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Old information reappears or never goes away

Complaint:
I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  XXXX Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department. The date last active for XXXX  is XXXX XX/XX/XXXX, XXXX  is XXXX XX/XX/XXXX, and Equifax shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Credit Karma, LLC
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: Their investigation did not fix an error on your report

Complaint:
There was no Late Payment made for XX/XX/2018. Creditor XXXX XXXX reversed late payment charge and credited my account. However still reported as late payment for the month XX/XX/2018.

Company response to consumer: Closed with explanation