BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am still being hit with a hard inquiry from XXXX XXXX  from XX/XX/2017 on XXXX   and Experian. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.

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 2017-11-10
Company: Fidelity National Financial, Inc
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Well first off thank God we have the XXXX Many consumers and i have no nice way saying this but ar egetting XXXX by these large comonaies that think they cann walk all vover the consumer wrong I sued two large compnaies in Federal Court. It need to end here and for companys to take responsibility for their own mistakes  I will poest supporting eamils in here since they dont seem to upload through other complaint. My Loan now is being held up for weeks yes weekes because the last title company that did my loan titel did not do there job and left a lien on the house with another lender. This shoudl have been done by the titale company that was hired for XXXX dollers. Well they didnt do there Job so now Im stuclk hiring people to do it with my own money  which has caused problems in my life. I can pay my bills now and get my medication. And honestly been sick over this with my XXXX being in the high XXXX. They refuse to correct this mistake . I ask them over and over to please fix it they do not knwo what to do who to go to because they dropped the ball a year ago. So. now the bill just get larger. In talking with my atoturney  XXXX XXXX  XXXX XXXX the number 1 and number 2 mortgage lender sin the COuntry all agree the titele company that was hired by my mortage company should have fixed this and will not so they can pay me and the people I hired to clean this mess up. How sad you would do this to a client that did ahve trust in you . I understand u made a mistake wer ehuan however u refuse to fix it I have asked you seeral times  and i been running my XXXX off to get this clloan closed  but have a hold up because you never did proper title work on my previous loan shame on you, SHame on you.

 RE: XXXX - XXXX XXXX XXXX XXXX 


  Reply|
Thu XX/XX/XXXX, XXXX XXXX  
You 
You replied on XX/XX/XXXX XXXX XXXX.
XXXX XXXX,
 
Yes, the previous title company, that we do not have any affiliation with, made a mistake when drafting the title work.
 
Thank you,  
 

XXXX XXXX
Loan Assistant
Home Point Financial Corporation 
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX Ext: XXXX
Fax: (XXXX) XXXX 
Email: XXXX

I appreciate your help in getting this resolved.  The old title company has been giving us push back all week and hasnt been moving this along because they havent wanted to admit fault.
  

XXXX XXXX
Sales Manager
Home Point Financial Corporation 
NMLS: XXXX
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX 
Fax: XXXX 
Work Mobile: (XXXX) XXXX
Email: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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 am victim of identity theft as a result of a previous illness. I have contacted Experian 18 times to date to please correct the errors. Experian has failed to provide any verified documents so that I may assist law enforcement in remedying this problem. They have also stated that they did not receive my 2 previous requests but I show successful certified mail delivered onXX/XX/2020.

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 2017-07-07
Company: AES/PHEAA
State: AZ
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 am seeking relief from the XXXX Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance  status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To who May this concern, XX/XX/2022 my Bank account got hacked. 
My bank Chase was able to return me the money I was satisfied after making a new account and closed out the old one .Chase did say they filed a claim for this to be under investigation. 
Today XX/XX/2022 Chase claim department took that money from my account called my hacker and they verified I did give them access to take money out i had to give the money back leaving my account negative. 

The hacker called me from a chase number I had no idea I was being hacked to get access to my account. I feel like this is unfair my bank should be protecting my personal information not the hackers. 
And Im getting charged for being negative XXXX $ each transaction made from the bank. 
Im left frustrated and I just need to know this wont be left unresolved and my hacker winning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account in Coinbase.com I transferred XXXX XXXX from my checking account, and for no reason, days later, my Coinbase account has been Locked and I'm unauthorized to use it. I was contact them many times, Coinbase have no phone support and all the emails and the claims they say are working with an specialist to fix this issue, since XXXX Coinbase haven't do anything to contact to me in anyway. By sent many Claims they sent me many Cases number, the last is # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is Attorney XXXX XXXX. I represent XXXX XXXX, the homeowner. He is in the process of selling the property. I have attempted to obtain a mortgage payoff statement 5 times with no cooperation from PHH Mortgage. 

The borrowers are XXXX XXXX and XXXX XXXX. The property is XXXX XXXX XXXX, XXXX, Massachusetts XXXX. On XX/XX/XXXX I used the automated payoff service to order a written payoff statement. They said I would have the payoff within 3 hours -- no payoff statement arrived. I called again on XX/XX/2019 and did the same. No payoff statement arrived. 

On XX/XX/XXXX, I talked to a customer service representative. He said that PHH Mortgage would expedite the payoff. No payoff statement arrived. 

On XX/XX/2019 I talked to another customer service rep. He told me that we needed to obtain an appraisal of the property -- this was my 4th call but the first time any representative had mentioned the appraisal. On that same day, I faxed an appraisal to PHH Mortgage. 

I called back to PHH on MOnday, XX/XX/2019 to find out where the payoff statement was. PHH then claimed to have NEVER received the appraisal that I had sent them. 

It has now been 2 weeks, I can not sell the property, and I am paying additional expenses to continue to hold the property off the market. PHH seems determined to string this along so that they can collect more interest on this loan. 

PHH 's behavior has been unethical and has caused expense and additional attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Complainant is presently applying for a mortgage loan modification. CMRE FINANCIAL SERVICES acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Motolease, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2017 I leased from XXXX in Indiana, paid the down payment, in additional the shipping fee, with an understanding of delivery for the specific purpose of the leased motorcycle. As of XX/XX/2017, I haven't seen or been delivered the motorcycle, in other words I haven't taken delivery of the product. On XX/XX/2017 at XXXX XXXX. XXXX related a threat of action against me for cancellation of shipment not received, and cancellation of contractual obligation having not be consummated by mutual consideration, by threatening repossession, in order to have repossession, you first have to have possession. XXXX stated in email that the threat was by motolease, a motorcycle leasing company, and that motolease would repossess the motorcycle from the shipper, and thereby require that I pay for it, even though I have never taken possession. That's a threat they can't offer, because again, you can't repossess what hasn't been in ones possession. Additionally within the contract, XXXX as required didn't collect South Carolina taxation , title, and registration fees, in such the bike isn't even registered in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am victim of identity theft as a result of a previous illness. I have contacted Transunion 14 times to date to please correct the errors. Transunion has failed to provide any verified documents so that I may assist law enforcement in remedying this problem. They have also stated that they did not receive my 2 previous requests but I show successful certified mail delivered on XX/XX/2020. Have attached the tracking information as proof!

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 2017-11-11
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened credit account with XXXX XXXX on XX/XX/XXXX. The agreement was to pay the balance of {$2000.00} with at least a  minimum of {$110.00} a month. Logged in to their online portal to make the payment, used my debit card at the time to make the first monthly payment on XX/XX/XXXX of {$110.00}. The online portal accepted my payment and it was deducted directly from my personal checking account. I have copies of my bank statements to prove this. I noticed that although the money was withdrawn from my account, the balance owed on the account remained the same. 

I called the company and they said to give it time to clear and it can take up to 3 days to clear. Waited for the 3 days, again same response. The following month, made the payment on XX/XX/XXXX and XX/XX/XXXX for the same amounts of {$110.00}. My thought process was since it was a larger amount being paid off that the company would act faster. Made no difference, called about the payments not being reflected in the balance, they said that it takes time to clear to check back in a few days. The following month, tried one last time and it went through. But they were unable to account for the other three payments made and did not reimburse or apply it to balance even after it was deducted from my checking account. Since I did not continue to pay as they would not credit account for other three payments, they sent my account into collections. 

Now two years later, I am in the process of cleaning up my accounts and have disputed this twice with all three credit bureaus, with proof of bank statements where credit card companies can verify my personal data and XXXX  XXXX keeps claiming that the account is being reported correctly. Their last " confirmed '' payment date on file is on XX/XX/XXXX. They sent dates to the credit bureaus showing monthly balances, but have only shown dates within the last year and not the dates where the bank statement shows I made the payments. I need help clarifying this matter and updating my account to reflect the correct balance. As a consumer making responsible on-time payments, I was treated unfairly and am offended that I have not been helped with this matter despite reaching out several times to avoid being in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
My complaint is with Bank of America. I travelled in XXXX over the summer. One of my flights was cancelled and the airline in question owed me money for a hotel I had to stay in. They requested to send the money via international wire to my bank account. I opted to use my Bank of America account as it is one of the primary accounts I bank with. I provided them with the wire information which I found at https : //www.bankofamerica.com/deposits/wire-transfers-faqs/ along with my identifying details. The airline wired the money- it posted in my checking account on XX/XX/2022 in the amount of XXXX. A few days later, I noticed that a wire transfer fee of XXXX $ had also posted that day. I called the bank to investigate ( this was around Monday the XXXX of XXXX ). The associate told me she believed that the XXXX $ charge was due to a separate transaction on the XXXX ( which was in fact a recurring monthly XXXX to XXXX XXXX XXXX  that had never been charged a fee before ). I initially accepted this explanation, but then after hanging up, I looked back at past examples of that XXXX and saw no fees charged. 

I then checked the fee schedule published on Bank of America 's own site at XXXX : XXXX which they link to directly from the previously mentioned page and refer to as the " Online banking service agreement '' ( under the FAQ section " Can someone wire funds to my account at Bank of America ? ). A search for the word " inbound '' on that page has only 4 hits, none of which explicitly mentions a fee. A search for the word " international '' turns up 9 hits, none of which mention a fee. 

I then called them again on XXXX. I explained the situation to the associate and he offered to try to get a refund of the fee but this was denied. I told him I would be filing a complaint with the CFPB. 

Screen caps of all of this are attached to this complaint.

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 2022-03-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Went to XXXX XXXX XXXX for a specific toothache. After my visit they found issues that needed to be taken care of. However their plan would cost more money then I had. I have dental insurance. They said it would not be enough to cover so they had me sign paperwork and sign a form for XXXX XXXX. That got denied. I guess they found XXXX XXXX patient services. I dont recall signing an authorization for this particular institution but notified me that I had been approved for {$5000.00}. I told the dentist that we had to exhaust all other options first. I never received a notice of approval nothing. So I never used this credit line nor did I know how. I explained to the dentist that we would have to treat every appointment separately Because I could not get into debt for XXXX during an epidemic, I was losing my job and I knew I could not afford the payment. So I would pay as I go weather its with insurance or my personal funds. Next thing I know Im getting collection calls. The entire XXXX k was sent to the dentist. How is that even legal. I never received anything regarding this credit line I didnt know what payments were going to be or when they would be due. I talked to the dentist I told them I never said to use that credit line and you guys have not even fixed my original toothache. So I never returned. Now my credit is showing late payments for months the balance is over XXXX with late fees. I was working so hard rebuilding my credit and now they have put me in a even worse spot. I dont know how they can get away with 1. Releasing funds to a dentist who did not have my authorization to use funds. 2. I did not sign paperwork this company. I had no idea of the terms or how to use the credit line. I dont know who XXXX XXXX is I dont even think I have an application with them or signed an authorization for them. They want me to make payments I cant even afford. Ruining my credit. I dont know what more to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-18
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 called the company on XX/XX/2020, advising I did not give authorization for my credit to run for any car purchases.

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 2021-09-10
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had opened an account with Prosper Marketplace back in XX/XX/2019. The following year COVID it and I started to see a cut in my hours at work. I contacted Prosper to ask if they could offer any type of help and they indicated that since I reached out to them before the payments were late that they would help me. They assured me that my account would not show delinquent during that time. You can imagine how upset I was when I saw my scores drop due to them reporting me late. They took advantage of a pandemic and not only lied about how it would impact my credit but then to charge late fees and show late payments. This is predatory lending with what they did. They tricked me into thinking they would help and then turned around and put me in a position that hurt me and put me in a higher rate bracket. Had they told me they couldn't help be at the time I spoke with them I would have tried to borrower the money or borrowed against my 401K. I was lied to and this is not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Consumer Finance team, Few weeks ago I have tried to make two payments on my credit card issued by Bank of America : Both payments from XXXX accounts ( one checking and one from a brokerage account ). 
Little that I knew that it is not allowed to pay from brokerage account, Bank of America ended up stopping one of my payments ( coming from brokerage account ) ; however, they suspended my ability to rectify old payments or to make new payments. 
After calling them and spending hours, they mentioned that it will take 3-5 business days to rectify this service ( hence blocking my ability to make any payments into my card, luckily I didn't have any payment due ) and they charged me a XXXX $ fee for this error. 
I have contacted them and asked them to reverse fee, because it is pure consumer exploitation ( other banks they notify you that payment wasn't processed but never block or charge you fees for that ). 
They never cooperated with my case. I believe : 1- Blocking your ability to make payments for 5 days is exaggerated 2-XXXX $ fees for not having a payment processed is horrendous Thank you for your attention. 
Best, 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