BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare still is unable to update my payments to current. I have never missed a payment. They misapplied my funds to principle and fixed my credit for escrow misapplication but still show me as owing XXXX payment. I have been Working with XXXX XXXX and he has been waiting for the Cash department to apply updated payment for XXXX. I have been marked as late by Loancare and my fear is they report to credit bureau again. I need them to apply XXXX Payment correctly and show me as current on loan and XXXX payment is next payment due.

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 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I looked at my credit report and noticed a late payment from Capital one/Saks Fifth date listed below : XXXX 2018 30 days late I am not sure how this happened. I make all my payments when I get the statement in the mail. I think that the statement never got to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: GOLDMAN SACHS BANK USA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sirs, This is my complaint against GOLDMAN SACHS BANK USA. 
My company sent the payment # XXXX XXXX XXXX XXXX to XXXX XXXX  XXXX XXXX. XX/XX/22 in the sum of XXXX USD, i.e. 4 month ago. 
My payment provider XXXX insists that the payment was executed. But this is not true. As XXXX confirmed later, the payment WAS NOT EXECUTED by their correspondent bank ( XXXX GOLDMAN SACHS BANK USA ). As a result, the money didnt reach the Beneficiarys account. 
XXXX confirms that weve provided them with all the requested documents at the same day of request. 
No one from the participants of the payment was not under the sanctions/restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX  XXXX and I don't recall service with a XXXX XXXX  ever.

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 2021-02-20
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my primary mortgage in XX/XX/XXXX with Rocket Mortgage. My mortgage was a 30year fixed at 4.625 % with taxes and insurance escrowed. I refinanced into a 30 year fixed at 2.75 % with taxes and insurance escrowed as well. My original balance was {$550000.00}. In XX/XX/XXXX, I received my escrow analysis statement showing that my escrow account is short {$5700.00}, and that my payment would increase by {$490.00} for the next 12 months. I immediately called Rocket Mortgage and was initially told that my taxes increased and that caused the shortage. I talked with the representative and told him this was not the case and the amount did not increase this much. I told him that I just refinanced in XXXX and there could not be this large of a shortage this quickly. He was not able to give me definitive answers but he transferred me to the executive offices where they could follow-up. I spoke with a lady who looked into my account and said she could see that my escrow account was underfunded at closing, but she wasn't sure why or how it happened. She would research it and call me back within 10 days. When she called me back she stated that she was originally correct in that my escrow account was underfunded for some reason and I would be responsible for the shortfall. Rocket mortgage is allowing me to pay the shortfall over 24 months as opposed to the usual 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Started calling Experian at XXXX XXXX Pacific Time for help with temporary lift of Freeze on Credit Report. Last call was at XXXX Pacific Time. 
Called XXXX, XXXX, XXXX with NO luck getting thru since they offer NO agent help, and I just sold my home of 16 yrs in XXXX, moved to XXXX & bought new home, living in rental during Contractor renovations on new home, and my profile responses no longer fit there records due to moving, so they keep instructing me to write to XXXX Texas to life a Temporary Freeze.

They changed their system & no longer accept the original passwords and PIN I had.

Experian should not be handling Credit w/o live agent help! 
I need to lift my freeze to apply for cable services in XXXX. 

Contrast with XXXX who offered live agent help to lift freeze today.

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 2018-01-31
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and Convergent have failed to show me an application or contact that I signed for this bill. It does not belong to me. I want it deleted from the credit bureau 's

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 2021-11-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
we applied for a loan modification in XXXX and was told that the bank would put us on a trial for the months of XX/XX/XXXX, XXXX & XX/XX/XXXX with payment coupons in the amount of $ XXXX. We pd on time and the bank was to draw up paperwork stating they would do the loan mod. In XX/XX/XXXX we had NO payment coupon and didn't know what if anything was to be pd since the bank was working on what the amount would be and drawing up the paperwork. On XX/XX/XXXX the bank had us sign docs stating what the amount would be. On XX/XX/XXXX the bank signed off on that XXXX and returned a copy to us. On XX/XX/XXXX we recv 'd our XXXX statement stating our payment was XXXX XXXX paid that. There was no late payment saying we didn't pay XXXX ... there was NO doc stating we owed a XXXX payment at all. In XX/XX/XXXX we recv 'd our XXXX statement which was substantially higher and we called to dispute the amount... .the bank finally responded to our complaint stating the large payment amount was due to ins XXXX I obtained another XXXX and our new payment was $ XXXX. that issue didn't get resolved until XXXX. In XXXX I tried to make XXXX separate payments to bring our account back up to date since all issues were now resolved. The bank would NOT allow us to pay anything unless we paid XXXX payments all at once ( XXXX, XXXX and XXXX ). We just went thru this loan XXXX and were not able to make XXXX payments at once. In XX/XX/XXXX we were able to obtain a loan from our TDSP and paid everything $ XXXX. at this time we still believed that we were good to go with the loan mod as we were NEVER told otherwise. We then recv 'd our XXXX stating debt forgiveness for XXXX. The bank said that we had to wait 3 years to get this removed from our acct. when the XXXX yrs was up the bank refused to remove the forgiven debt stating that the loan XXXX never went thru and now that balance was deferred. there was no point in even doing the loan mod since the bank never intended to go thru with it from the beginning. I am in need to doing a refi since we are both on Social Security at this time and I need to lower our payments. Are the banks allowed to cheat people with these loan mods? this was a gov program to help homeowners along with the banks and in this case they didn't assist us in anyway. Please assist. I have tried to work with this bank and they have been uncooperative. No bank will allow a refi with a deferred debt of $ XXXX ... .the home is not valued at $ XXXX. avg home sales are low $ XXXX 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: TN
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 reached out to XXXX XXXX XXXX XXXX XXXX about a month ago about incorrect information reported on my account. A customer service representative stated my debt was paid off XX/XX/XXXX. My Equifax credit report is currently reporting six late payments From XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming the incorrect information but they have yet to correct with with Equifax credit bureau. I have disputed this item four times before this and they continue to report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax refuses to correct their own error ( one which they confirmed corrected, via their own letter sent to me in XXXX ). Earlier this year, I sent them a letter and filed a complaint with CFPB and in both instances they required me to provide them with my social security number, address documents and a host of stuff that I do not trust them to hold in confidence. It is worth noting this company has a track record of security breaches. Why should I give them my personal information just so they can correct their own error ( I never gave them the erroneous information with the incorrect address -- -they willingly accepted that information without confirming same with me ). Adding insult to injury, when I reported their error to them in XXXX they sent me a letter noting they removed the incorrect address. I pointed all this out to them in correspondence dated XX/XX/XXXX and XX/XX/XXXX, yet they refuse to confirm they corrected their error. More infuriating is that I called Equifax on XX/XX/XXXX ( in response to the CFPB response, wherein Equifax claimed they needed a wealth of documentation from me to correct their error ) and was told by a phone rep ( by the way their phone system is a nightmare to navigate -- it took me 20 minutes or longer just to get to a live person ) that he changed the incorrect address and that a letter would be sent to me confirming the correction. It has been almost a month and Equifax has failed to respond to me. I have the confirmation number the Equifax rep gave me -- -- -but like almost everything else with this company it is likely an empty response. I'm at a loss as to how to deal with these credit bureaus.They are allowed to collect incorrect information, are not required to verify with the innocent consumer, they make money off their errors and hold innocent consumers hostage to  their witless whims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Model Finance Company
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from MODEL FINANCE COMPANY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against MODEL FINANCE COMPANY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Someone Hacked My Western Union Account Which Os Connected To My Capital One Debit Card, And Sent Money To Various People, I Have Contacted Capital One And They Have Denied My Claim After I Sent Proof Of My Police Report & Prior Transactions From Western Union..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IN
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:
Called Equifax on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  demanding them to stop furnishing my report. I never authorized anyone to do so and also to remove incorrect reporting errors. I was passed around, transferred and hung up on each time I called. This has caused grave mental and financial damage to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a credit card not in my name but in the name of XXXX XXXX. I also received a letter dated XX/XX/XXXX from Old Navy stating my request for increase in line of credit had been denied, which I had not requested. When I called Old Navy customer service on XX/XX/XXXX, I was told someone called in with my information and added XXXX XXXX as an authorized user and requested a line of increase. I stated this clearly wasn't me and asked for her to be removed from my credit card as a user, as well as cancel the card number and reissue me a new one, which was informed would be done. I was then transferred to the Fraud Services department and informed her name would be flagged. However, when I received my new cards on XX/XX/XXXX, I received 2 cards with XXXX XXXX XXXX name on them, one with the name XXXX XXXX. When I called Old Navy Services again, I was informed this person had AGAIN called and placed herself as an authorized user on my account despite her name being flagged. I asked for her name to removed AGAIN and have new card issued again with new numbers. I was also issued a special pin that must be used in order to access the account since it would be frozen. I was transferred to their Fraud Services department again. On XX/XX/XXXX, I checked my account online and found that XXXX XXXX had AGAIN been added as an authorized user. I called Old Navy AGAIN and asked to speak with a manager as this was the third time this has happened. I was informed this person had called the prior day and added herself again. I informed the manager this was unacceptable and obviously my SS # had been compromised if they were using it as verification to make changes to my account. I was informed an email would be sent to the back department regarding this manner and a new credit card number would be issued. Checking currently XXXX XXXX has once again added herself to my account and I have to call Old Navy again. This is completely unacceptable in the security of the Old Navy Credit Card services.

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 2018-11-14
Company: Certegy Holdings, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote a check for XXXX at XXXX XXXX for groceries only to have the store DECLINE my check because of CERTEGY 's denial of my check ... ... ..i was given NO reason as to the decline of my check and upon trying to contact Certegy you could only get an automated response ... ... when i asked XXXX XXXX to contact my bank to verify the funds/check they REFUSED because they said they couldn't override Certgy 's denial ... ... .when i CALLED my bank to have them verify the check and funds the manager of XXXX XXXX REFUSED to take the call ... ... ... .i have ALWAYS prided myself on NEVER EVER have written a bad check and having an EXCELLENT credit rating ... .i have ALWAYS paid my bills on time and in FULL and that includes ALL credit card amounts ... .I just moved to AZ and purchased a {$520000.00} home WITH CASH, i have NO mortgage and only owe a little over XXXX on two loans ... ... .Certegy has YET to provide a reason to me for DENYING my check.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was unable to obtain a credit report from Transunion due to an " error ''. Once I signed up for their paid service, I was able to obtain a report but every time I attempted to dispute the report for inaccurate information I got, conveniently, another " error '' message. The features are not working on their website and it was supposed to be a 7 trial period for the paid service. They charged me immediately. There is no way to actually speak to anyone. I was on hold for 3 hours and no one answered and then I was cut off. There is no way to email or instant chat with the company. How am I supposed to dispute my credit? How am I supposed to get a refund? Their customer services are circular with no way to actually communicate directly with them. We are supposed to use the mail as though this is 25 years ago. With the mail I have no way to take of this expeditiously. I want to take advantage of low mortgage rates but their option for me dealing with inaccuracies will literally take months!

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