BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Freedom Mortgage Company
State: TX
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 account was never late freedom mortgage all reporting this as time when my load had started and never sent me a statement

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 2022-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family was affected by Covid-19, I requested a mortgage forbearance because of the reduction in our income. Carrington granted the forbearance which expires XX/XX/2022. We received a foreclosure sale date for our home prior to the forbearance expiring. I requested mortgage assistance recently and Financials and all required documents have been forwarded to Carrington for them to process our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I asked the company XXXX Bank of America ) not to close my account. 
I do not want the account to be closed, and I have 100 's of bill payments from my account ending in XXXX at Bank of America. 
I ask that my account is reinstated and put back in active status by Bank of America. 
I asked for the company ( BOA ) to reopen/reactive my account ending in XXXX. 
I am a member in good standing, always, and I pay my bills at the time each time. 
Please confirm in writing by both EMAIL and US Mail. 
I would like to hear from executive office of Bank of America. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2021-02-25
Company: BAM Management US Holdings Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I signed up for a crypto account with Binance.US, transferred about $ XXXX crypto coins to the account on XX/XX/21 from another crypto exchange wallet and began trading. I deposited {$760.00} and then another {$10.00} from my bank account on XX/XX/21 to purchase additional assets. I made a final deposit of {$600.00} from my bank and purchased more crypto on XX/XX/21. I received an email on XX/XX/21 stating that the {$600.00} deposit had failed. Im still unsure why my bank declined the transaction, but thats a separate issue. The issue here is that my entire account has been locked into those crypto coins I had purchased on XX/XX/21 with now way to close my position. This is not just the crypto purchased with the failed {$600.00} deposit, its the whole account. I only deposited {$1300.00} from my bank, but Binance.US has locked the whole $ XXXX in total deposits including the crypto I transferred from XXXX and XXXX accounts to my Binance.US wallet as well. That money has nothing to do with the {$600.00} deposit in question. My account has since fallen from a peak of about $ XXXX to less than my initial $ XXXX investment in the 4 weeks my account has been locked and there is nothing I can do. Trouble ticket has been in for 4 weeks with no response. ( They tell you following up on trouble tickets automatically move you to the end of the line ) XXXX and DMs to the Binance.US Support account have gone unanswered and instead of offering support, the official Binance.US XXXX account blocked me and reported me as spam ( temporary locking my twitter account ) as retribution repeatedly asking for support on their page. I am not the inly person they blocked for this. Binance.US does not appear to be able to fulfill the support obligations that come with accepting and holding a customers money, and they are forcing losses on customers because of their inability to answer/resolve support tickets. Even worse, they dont seem to care that their action are costing customers a great deal of money. This is not the action of a legitimate company. At this point I have to conclude that they are a scam. They are not only willfully refusing to employee enough people to meet support obligations, in blocking my ability to publicly ask them for assistance on their XXXX page they are deliberately choosing to ignore my please and force losses on my account instead of helping resolve the issue. This company should not be allowed to handle money in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Instarem PTE Limited
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I placed a money transfer for {$5500.00} on XXXX through INSTAREM ( XXXX ) to my mother in law in the XXXX XXXX XXXX ), for purposes of building my house there.. I've made 10 similar transfers over the last six months. They inquired for a second time about our relationship and purpose, so I told them again. My money transferred to their New York account on XXXX, and since that time the transfer has not happened, still " processing ". I've contacted them through email and chat approx. 15 times, and I'm just getting apologies and we're working on it. I feel as though they are holding my money, and not responding to my concerns ... I'm not sure if it will ever be released. I asked 3 times for a refund, and they just tell me to hold on. It's been almost 2 weeks since my order was placed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against Shellpoint Mortgage and CFPB for ineffective response to previous complaints. Per attached, a Shellpoint representative has essentially acknowledged that the error is by Shellpoint 's escrow accounting despite months of claims the faults is the buyers. These complaints will continue until the issues is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The below complaint was not addressed, despite request by the bank for additional time which was over a month ... 
As I've stated before in numerous past complaints and again here, a closeout check in the amount of XXXX was sent out on XX/XX/XXXX via XXXX next day air, intercepted by another party the following day on XX/XX/XXXX. I left for vacation on the morning of the XXXX, a XXXX XXXX with XXXX XXXX XXXX picked me up around XXXX XXXX, drove me to XXXX XXXX in XXXX, MA, my flight left around XXXX XXXX. I have attached a statement from Mr XXXX stating he picked me up at my address on said date and time. I believe XXXX dropped off the package in the late afternoon, I was not at home as I had left at XXXX XXXX. The check was intercepted by a XXXX XXXX, my signature forged on it, deposited to a XXXX XXXX XXXX  which is not my account. I was able to reach a cousin whom lived here prior from XX/XX/XXXX to XXXX of XXXX, I moved in XXXX of XXXX. His now ex-wife 's name is XXXX XXXX and she was here on XX/XX/XXXX visiting a neighbor in XXXX XXXX next door, it appears she intercepted the check, signed and cashed it into her account. Prior this, a check for same amount was sent on XX/XX/XXXX, received on XX/XX/XXXX, which had a stop payment placed on it. The check was deposited to my XXXX account, returned back and numerous overdraft and returned check fees assessed which Capital One reimbursed me for. However, the issue of the fraud check is still ongoing since XXXX. A XXXX XXXX with Capital One has provided info showing the XXXX XXXX XXXX account was at a brief time linked to my Capital One account, in which case my account was compromised and hacked into. A rep with security intake team removed the account on his end manually after speaking with me on the phone, realizing it is fraud. Further, XXXX refers to a check deposited to my account from the XXXX XXXX account which I believe my account was used again, possibly to move funds, this is another reason account was since closed by Capital One. The information she has shown is all circumstantial ... .. I was not at home to receive check, sign and cash it. It was deposited to a XXXX XXXX XXXX account which is not mine. Capital One refuses to check signatures on checks, one received on XX/XX/XXXX and second intercepted check, signatures are different from another as I did not sign check sent on XX/XX/XXXX and taken by XXXX XXXX. In closing, please advise Capital One they need to provide a mailing address to send notice of small claim suit as well as copies of all checks, two in the amount of XXXX and additional check which covers fees charged by XXXX due to stop payment. I require all this info in order to file small claim suit. Another option would be to reissue check for funds owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: MI
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 see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have fallen behind by 85 days. While attempting to contact XXXX XXXX XXXX to make a payment, I had been informed I'm now affiliated with PHH mortgage. I tried to open an online account. it was impossible. -I then received a letter dated 2 weeks previous of the current date. I attempted to call the phone number for a days. The have given me a phone number of XXXX, extension XXXX XXXX XXXX. He does not answer the phone and does not have voicemail. It also says on the paperwork to press 0 and another case manager will assist. I have tried 25 times and no one answers. I would like to utilize the 90 option to get caught up. I believe PHH mortgage avoids answering the phone and blocks us from registering an online account to push customers into default. Im trying to register online to make the payment, Ive called and called to make a payment, they will not answer they will not respond please help! I cant open an online account for some odd reason, I cant get a representative. Its not fair, they are not responding. This is unaccetable cusomer service at the least and possible FRAUD

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 2023-05-16
Company: Consumer Adjustment Company Incorporated
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an email from XXXX XXXX from XXXX XXXX and XXXX that my credit report changed because I closely monitor it. A collection account was added to my account and I do not know what it is. I never received anything about the collection in the mail, nor did I receive a right to dispute or anything about the collection. When I logged into my XXXX account my Social Security number was showing incorrect. I have filed a dispute on that and the collection that is not mine and was never informed in any way about this being added to my credit report or the right to dispute it. I have NO CONTRACT with Jefferson Capital Syst. I did not open any accounts in XXXX 2021 in my name. Verification was never sent to me regarding this collection added to my credit report. I have no idea who Jefferson Capital SYST is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started to receive notices in the mail for a charge off credit account from XXXX XXXX or XXXX XXXX XXXX. I have never had a credit card account from XXXX this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
This account XXXX is being reported twice on XXXX and XXXX  as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX   These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 became unemployed due to the COVID Pandemic since XX/XX/XXXX thru XX/XX/XXXX. Due that, on XX/XX/XXXX I completed the request of a Moratorium for my FHA Mortgage for the time period XX/XX/XXXX to XX/XX/XXXX with the XXXX XXXX. During that time period, the XXXX XXXX became to be part of XXXXXX/XX/XXXX. When I started to work again I want to know about my Mortgage Moratory status, and XXXXXX/XX/XXXX notified me that although if I qualified for it, XXXX XXXX did not complete the approval process of my case. ( I sent a letter making a claim to XXXXXX/XX/XXXXon XX/XX/XXXX. ) XXXX XX/XX/XXXXdid not want to accept the moratorium submitted under the XXXX XXXX and reported the my account as overdue without first contacting us to explain the situation that was happening. The bank sent me a letter indicating that my mortgage was on due since three months. Due that my credit score as well as the credit score of the account co-debtor was affected by this mistake made by the bank. 
After that I made the payment requested by XXXXXX/XX/XXXX for the three months ( Paid on XX/XX/XXXX XXXX, and I asked XX/XX/XXXX to correct the mark on the credit that XXXX gave me since it was not my fault. XX/XX/XXXX did not want to remove the mark made on the credit saying that this mark should be removed by XXXX XXXX, however XXXX XXXX does not have a mortgage area since became part of XXXXXX/XX/XXXX. 
Then, as per XXXXXX/XX/XXXX XXXX XXXX XXXX letter XXXX, the Credit Agency are whose have to delete the mark to the credit, since on its system the mentioned mark does not appear. 
During the process, a total of two ( 2 ) letters ( on XX/XX/XXXX, and XX/XX/XXXX ) were sent to the Disputes area of credit agency TransUnion asking to delete the credit mark made by XXXX XXXX and TransUnion indicates that the mark to the credit should be deleted by the mortgage area of XXXX XXXX XXXX Which does not exist ). 
I need my credit score as well as that of the co-debtor to be corrected.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.

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 2020-05-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I've tried to call many times in the past but simply am not getting anywhere. I have a United Mileage Plus Card with Chase and should be earning mileage for my United frequent flyer program. However of the XXXX miles earned so far, none of them are being transferred to my frequent flyer account and thus I don't have access to use them. I called Chase today and they verified my frequent flyer account number and my email address. I was assured that if both of those were correct then the mileage would transfer over, they then proceeded to put me through to United, who then explained that they see no transactions for incoming mileage and confirmed that I don't have a credit card account attached to my account. The operator then connected us both back to Chase where I was given the excuse that their system was down. This was my latest attempt on XX/XX/2020 as I need to access the miles now for travel. On the Chase app from my phone I can see that I have a balance of XXXX miles that have not been credited, with the note that it will be credited on the next cycle. However the mileage hasn't been credited in many years. I've made several phone calls between the two companies over the past couple of years, but they have not been able to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There 's a {$160.00} debt on my credit report. I have not been to this doctor. I called and they say that it was my minor son 's debt. I did not sign a Financial Responsibility form so this is his debt. I did n't know he had even been to the doctor. This practice is illegal in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I received a check from our insurance company, XXXX, in the amount of XXXX to put a new roof on our house. Because we have a reverse mortgage the check was made out to my husband and me and to XXXX XXXX, I had to send mortgage company the check to be signed by them and sent back to us for a roof. We never received the check back. They deposited it without my husband and I signing it. About the middle of XXXX I started calling the loss draft department once or twice a week and each time was given a different excuse. They even went so far as to tell me to have my insurance company stop payment on the check and reissue me another one. My insurance company said they could not do this because mortgage company had already deposited it. We still have not received the money back and have already had new roof and the company is still waiting to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: IN
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:
The company XXXX XXXX XXXX XXXX  reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify .... 
This company has gone out of business and is not being ethical with its customers. 
This has damaged my credit ... and I want it off my record.

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