BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced a mortgage held by Carrington Mortgage Services LLC to another financial institution in XX/XX/XXXX. I closed the refinancing on XX/XX/XXXX ; the funding was completed on XX/XX/XXXX. On XX/XX/XXXX I  contacted Carrington 's customer service department. During that call Carrington told me I was owed {$2200.00} by them and that I should receive a check for that amount in " 15 to 20 days. '' I asked to clarify that time frame further and was told to expect the payment by XXXX at the earliest and XXXX XXXX XXXX XXXX at the latest. 

I have now waited more than 23 business days and 36 calendar days -- and still have not received the {$2200.00} Carrington owes me. I have called Carrington 's Customer Service department several times ( weekly ) and all Ive gotten are excuses. I was told the check for my {$2200.00} was printed on XXXX XXXX ( XX/XX/XXXX ), and then later told it was printed on XX/XX/XXXX. I was later told the check number ( # XXXX ) and that the checks in the mail. I was later told checks take a long time to get out of the building and remember, theres lots of returns being made after XXXX so the Post Office is really busy and the checks go snail mail and its really slow as a snail. 

Ive been told to ask the mailman where it is. Ive been told to wait another week, and to wait another week and to wait a few more days and that you dont want to report that check missing, because then we just have to start the process all over again and it will take at least 30 days before another check is sent. 

It appears Carrington is deliberately slow-rolling the process of refunding money due to their customers. Request your assistance in recovering the money due to me from Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Had an unknown person arrive in property saying that there was an urgent matter that I had not been intouch with mortgage company and for me to contact company. Attempted to contact company was hung up on 2 times during conversation with 2 different reps. Also was told by second rep I was nick picking with the words. But if I am trying to get accurate information, I need accurate information. In a court of law accurate information is very important. In the world accurate information is important for all things not just business. I am not receiving accurate information from mortgage company. They are not sending out accurate information. Contact is impossible when they put you on hold for hours, they will not answer the phone, when they do they hang up on you. The reps are rude, and dont provide accurate information or take accurate information. If you cant communicate then nothing gets resolved, end up on a hamster wheel cycle.

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 2019-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
XX/XX/2019 I received a letter from bank of america stating that my automatic payment had been revoked, and was charged a fee of XXXX, so my new balance was {$40.00}. 

The reason the automatic payment was cancelled was because of following reasons such as no longer wanted to participate in the program, information from my bank account was incorrect, etc. I have called bank of america several times spending at least 2 hours in hold waiting for a response. I have talked with numerous representatives giving the same story. 
I have been with bank of america for 2 years, and it those 2 years I have never missed a payment and I have always been enrolled in auto payment. When I got the letter I was shocked since I have never removed myself and I knew the consequences of missing a payment. I told the representatives that my payment activity has always been auto pay with the same chase checking 's account. I have always been a loyal customer, when this happened I never received an email nor a notification in both my mobile or computer. Even the representatives didn't want to do since it showed that everything was good in my end where my bank account never changed and I never stopped the auto pay. I even called my checking 's account, and they even stated that I have always had the sufficient funding to pay my bills. I can show proof of my balance to show that I always maintained enough money for the bills.

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 2019-04-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to remove incorrect information from a public record that is disclosed on my credit report. I have informed Equifax that I have sent a letter and I have filed several disputes to get the information removed from my credit report. The information has been removed from XXXX and XXXX credit reporting agencies, but Equifax refuses to remove the bankruptcy from the public record. 

The bankruptcy was filed in XX/XX/2009 which is 10 years old. The tracking info for Equifax indicates to review dispute, but I'm receiving an error message that states the system is down. I sent several inquiries, but Equifax informed me they didn't receive the letter, so I filed the disputes online several times. This has been ongoing for several months and the dispute has not been resolved and the information is still incorrect on my credit report. Due to Equifax refusing to correct my credit report, it has affected my credit score. Here are the tracking numbers listed below : You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX Equifax has completed your dispute for Confirmation Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT Today on XX/XX/XXXX I received a letter in the mail from Apex Management for services rendered on XX/XX/XXXX from XXXX XXXX and XXXX in the amount of {$130.00}. Stating that they have received my {$30.00} payment. The {$30.00} that was sent to them was for a bill that I had received on XX/XX/XXXX regarding XXXX XXXX of XXXX XXXX, with acct # XXXX However the {$30.00} was applied to XXXX XXXX  and and XXXX Acct # XXXX and should have been applied to XXXX. I also wrote the acct # of the bill sent by Apex on the check. I Called the office the office to try and explain, I was hung up on twice. After being hung up I tried again and asked to see if there was corporate office or a supervisor to help resolve this issue, I was told no and again hung up on. on XX/XX/XXXX I now received a new bill from Apex applied my XXXX to another bill that I don't even have proof that is even my bill. I have never received any bills from XXXX XXXX and XXXX # XXXX. I asked in writing for documents of proof for this bill with my signature via mail.I believe that XXXX applied my money to another account that does not belong to me and if it is truly my bill it is out of the statue of limitations and they applied it to the other account to try and show a date after the statue of limitation has run out. On XX/XX/XXXX I was again billed for XXXX the bill that I've already paid on XX/XX/XXXX under acct # XXXX this time they sent the bill same client reference # XXXX same amount but with a different acct # this acct number isXXXX. I believe that I am a victim of unfair practice by Apex Management .I am also Diaputing the debt for XXXX  XXXX and XXXX. This is eight year debt and I have no proof that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was going over my credit file and seen a unverified account from CHOICE RECOVERY! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees. I need to see a copy of a contract and a release form of HIPPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Partners Financial Services Inc
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Partners Financial Services ( XXXX XXXX XXXX, Missouri XXXX. XXXX ) is showing that I have an open student loan in the amount of XXXX on XX/XX/XXXX. They show I am the cosigner on the loan. However I had a severe XXXX XXXX on XX/XX/XXXX and did n't even wake up until the XX/XX/XXXX then was unable to walk with out assistance and could not speak coherently for 11 days. I do n't have any recollection of agreeing to this or signing for this loan. I first found out about it in XX/XX/XXXX when they reached me on the phone and I told them then that it was n't mine and I had no way of paying it. Again every month after that until XX/XX/XXXX. Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Bread Financial Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I send bill pay a XXXX payment monthly and I can't contact them about balance or amount owe in the beginning and now I keep sending monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX no bill no record as to where the funds are going what my balance is to date no reply web site closed down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a long time customer of American Express. For nearly ten years. I had a {$15000.00} credit line with them. At the end of last year, I utilized my credit line. Immediately XX/XX/2019, I was sent a notice that my credit line was being reduced to {$13000.00}. I have never been late once with American Express or any other credit card company. I reduced my balance responsibly to conform with the reduced credit line. On XX/XX/2019 I received another email reduction of my credit line, in the middle of my shopping to {$12000.00}. No advance notice and nothing. I called American Express this morning and I was informed that my account is reviewed every six months and that they review my credit score and financial dealings with all my creditors. That they have the legal right to do so. I have done research on this and I understand that they have this legal right, BUT, this is wrong. My approved credit line with American Express should only be reduced if I missed a payment or did something wrong. I also feel that my privacy as an American Citizen is being violated. They should not have the right to continuously review my credit report or financial transactions. Consumers need protection from large companies like this. The American Express rep. kept saying that this is legal. It may be legal, but it is plain wrong and an infringement of my privacy. They should not be allowed to randomly without notice change the terms of their offer of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Russell Collection Agency, Inc
State: MI
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:
XXXX  is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 8 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to a hair salon on XX/XX/19 had an appointment to have service done on my hair spoke with the owner and she said the services I wanted she was not familiar with it and she spoke with her daughter and she came back and said her daughter knew how to do it but the problem was her daughter was booked for the day and I said but I made the appointment and you responded to my email and you say yes come in she then said wait I will see if my daughter can fit you in and she came back and said yes, but it is going to be a wait and I responded and said should I leave and come back later she said no wait I had no idea I was going to be sitting there 5 hours before they started services on my hair finally around XXXX XXXX they had another co-worker start providing services on my hair and the owner of the salon was to cut and style my hair and she was rushing to get me out after sitting there all day she finally said I have to leave I am going out for the evening and I have to finish shopping I am throwing my XXXX XXXX XXXX son a birthday party the next day XX/XX/19 and the style and cut the owner did on my hair was an XXXX  of a mess I ended up paying {$180.00} on my hair I had to go to someone else to correct the cut and style the previous salon did on XX/XX/19 I put a complaint with my bank and that was Santander they denied the claim on XX/XX/19.

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 2019-04-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
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 had a car accident on XX/XX/XXXX, in which this vehicle was completely totaled out. Nissan informed me  that I owed one payment that was due XX/XX/XXXX for a total of XXXX. I completed this payment on XX/XX/XXXX. Once I completed this payment, XXXX ( my insurance company ) and GAP submitted in the total for the rest of the vehicle. At that point in time when I accessed my account with Nissan, they showed that the balance was 100 % taken care of and that I owed no further payments. I was also informed by a representative that I was owed approximately {$2000.00} more dollars in payment for warranty that I have not received and an additional {$460.00} in tire warranty ( that I have not received. I also received a {$58.00} check for my excess payment that I completed on XX/XX/XXXX. Nissan did not inform me that I owed any additional payments, yet they reported inadequately on my credit report that I am 30 days past due ( in which I am not ). Had I owed an additional payment, this payment would've been due XX/XX/XXXX and I wouldn't have been past due until XX/XX/XXXX. I have not received any notices from Nissan in any way stipulating that I owed any further balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I found a loan on my credit report that I knew had been paid in full. On my credit report it is listed as unpaid for the full XXXX dollar amount. I contacted Heartland ECSI and they directed me to their website to print any statements. The problem, however is the most recent statement available on their website is from XX/XX/2017 and in that statement it says I owe the full XXXX dollars. I paid them the full XXXX on XX/XX/2017, however there is no statement after XX/XX/2017 that says my money was received and the balance is XXXX. All I wanted was a form showing the XXXX balance so I could send that to the credit agency and get this resolved. Instead they made me feel like a dead beat. This service company is criminal. They cause immense amounts of stress and overall life disruption with their sloppy practices. This all happens and the consumer ultimately pays the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
As indicated in complaint # XXXX, an international wire transfer of XXXX GBP from my daughter 's XXXX XXXX account to my checking account in Wells Fargo, XXXX GA, was never deposited. After 7 months of inquiries and complaints, Wells Fargo confirmed they deposited the money in the wrong account, and that they were not responsible. They told us our only recourse was to sue the fraudulent party ; however, they can not give us their identity. 

The facts are that the account number in the transfer was missing a digit ... no accounts in GA have that number of digits, The name and address of the recipient were mine! Wells Fargo did not meet any banking standard and participated in fraudulent transfer of funds. The recipient, according to Wells Fargo, contends that the funds are no longer available. Their error cost my daughter over {$7000.00}. She was transferring money to pay for her school loan.

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 2022-01-11
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XXXX/XXXX/18, i submitted {$24.00} USD/BTC through coinbase to XXXX for BTC. I was charged over {$18.00} USD in fees and i can not reach the coinbase or whoever charged me the fees. I have done transactions to XXXX before with coinbase and never charged so much. XXXX received only a little over {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: PA
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 letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX : Original Loan Amount : {$6600.00} Loan Date : XX/XX/XXXX IntRate:4.25 144 Payments of XXXX Never payed late and always paid more than payment due. 


Received new payment schedule for : 83Payments {$45.00} Start XX/XX/XXXX Which is another 7 years. 

This loan should be ending in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services and LVNV Funding LLC have contacted me stating that I owe {$4000.00} to XXXX XXXX XXXX. with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with XXXX.

Company response to consumer: Closed with explanation