BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was pre-approved for a loan with XXXX XXXX XXXX in XX/XX/XXXX. I found a short-sale property in XXXX of XXXX, and my loan officer XXXX XXXX immediately ordered my initial disclosures and had them sent to me. I received disclosures from XXXX and Carrington Mortgage, which is their TPO broker. I asked my loan officer why was my loan locked in XXXX and she stated that all loans should be locked right away. As with most short sales, the process was drawn out due to the seller ( XXXX ) was taking their time to review the offer. Throughout the process, I received 5 LOCK EXTENSION FEES. I felt like this could have been avoided if we did not lock the loan right away. I asked my loan officer on XX/XX/XXXX if there was a different interest rate available that could offer a credit to assist me with the amount of fees that were being added to my loan and I was told no. Finally we were on track to close by XX/XX/XXXX, until I was told that my credit report expired on XX/XX/XXXX, due to an " oversight '' on the Carrington underwriter. Once my credit was re-pulled, they stated that my credit score had dipped below XXXX, so a re-score had to be completed. It took almost a week for this to come back, and our deadline to close was today XX/XX/XXXX. I was looking for a CTC on Tuesday, but didn't get it until Thursday XXXX. Today XX/XX/XXXX I did not receive a final CD until I arrived at the closing, where my closing costs had increased from approximately {$6200.00} to over {$7300.00}! At the closing table I noticed that Carrington had made a couple of huge monetary errors on my Closing Disclosure. No one bothered to fix the numbers, therefore I walked away from the closing because it had become unaffordable for me at this point. The mortgage company also violated TRID by disclosing an appraisal re-inspection fee to me 2 weeks after they were aware that it was needed. Also, a title update fee was charged on my final CD that I was not aware of and it was never disclosed to me. I was told that sometimes extra fees from the title company just needs to be added. That is not true. As someone who has been trained on TRID, I can just imagine how many customers who are not mortgage savvy has been taken advantage of by Carrington Mortgage. As a consumer I asked for my closing figures be a little more accurate so that I didn't have any cash to close surprises. My requests were ignored several times. I was told that my requests would be on the final CD. Due to this fiasco, I now have to go back to my landlord to see if I can rescind the 30 day notice that I have him. This is the worse consumer experience that I ever had to go through.No one cared how this has affected me physically and emotionally. I am a single mother of a XXXX year old daughter, and it hurts me that I have to break the news to her that I can't buy this property due to the carelessness and lack of professionalism of Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I found out someone went to CarMax auto finance and obtain a car in my name. i found out in XXXX 2018 i went to get a car from a dealership and they advised me of a current loan. i wrote police reports and followed all steps to get this off my credit report because it was not myself who went into CarMax and purchase a car. I was told by CarMax find out who did not our job and we will continue to update your credit with the information that they know has been falsified. so basically, CarMax knows that it is identify theft when i call i have been laughed, i have also been told get a lawyer and hung up on. i have also been told by CarMax find out who did it we may take it off. it's really sad. than i spoke to CarMax again and was told the person used my driver 's license so they will not take it off. so i told the investigator on my case he advised me that my driver 's license was ordered 3 different times threw dnv online and sent to 3 different addresses. he let me know the addresses i have never heard of. and CarMax auto finance  knows this is not my account i am a victim and still refuse to take off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the beginning of XXXX XXXX we were notified that our loan was being transferred from Seterus , Inc. to Mr. Cooper effective XX/XX/XXXX. I contacted Seterus, Inc to make my XXXX payment on XXXX XXXX, XXXX. I was told that I had an increase in payment of {$54.00} and I should have received a notice. I told the representative that I did not receive the notice. I told him I wanted to pay the {$54.00} and he agreed to wave the {$21.00} late charge. I paid my regular payment of {$2400.00} plus the {$54.00} for a total of {$2500.00}. I asked him if the payment would post before the transfer on XX/XX/XXXX. He assured me that my account was up to date and that my payment would post before the transfer took place. He said I would not have a payment due until XX/XX/XXXX. I received my statement for my XXXX payment and it had a past due amount of {$54.00} plus a late charge of $ XXXX.I contacted Mr. Cooper at least 5 times and sent them a copy of my bank statement with my payment to show that I paid the {$54.00} and that the {$21.00} was refunded by the Seterus rep. This has been going on since my XXXX statement that I received towards the end of XXXX. I just recently sold my home and our closing is on XX/XX/XXXX and I want this taken care of before the end of XXXX. I have also asked for an explanation of a charge of {$1400.00} plus a charge of {$190.00}. We did a mortgage modification while I was in Bankruptcy in XXXX and right after that these charges started appearing on my account. The only explanation they give me is that they are for legal fees. The whole idea was to modify the loan to make the payment more affordable and now I have all these charges tacked on to my loan. We have sold our home and I wanted to get my account straightened out before the closing takes place on XX/XX/XXXX,, XXXX. I just do not understand how they can add these amounts to my account and not notify me of these charges that I know nothing about. I would appreciate any help you can give me to get my account straightened out before my closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SYNCHRONY FINANCIAL
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BARCLAYS BANK DELAWARE
State: MA
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:
Barclays will not remove the charge off remark from my credit report the account has been settled since XXXX, the settlement letter was offered to change the remark however none of the credit bureaus would accept the letter, I was instructed to get a letter from Barclays stating the account is settled however they say the account is with the XXXX XXXX I called XXXX they said the account is with XXXX XXXX XXXX, Barclays since XXXX someone how marked my account open back in XXXX the account has been closed since 2016 how could it reopen after all this time when Barclays states they do not have access to the account when I offered the receipt of payment and letter stating the account is settled they stated there is no fax and no way of updating it on there end. I have been disputing with the supporting documents and XXXX  keeps saying they do not see my upload, even XXXX XXXX upload feature keeps saying can not complete dispute temporarily unavailable, and XXXX  will not use the evidence provided No the remarks say " Charged off as bad debt Dispute resolved ; customer disagrees '' Please remove Barclay from my credit report Immediately this is my 5th dispute

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i filed cfpb case # XXXX transunion sent another letter stating it is verified. they provided the bankruptcy information but AGAIN did NOT provide any proof of how they verified this information. legally it must come off of my report. i will attach my documentation from the that same court which states that they do not share or release information with third parties which would include XXXX XXXX and transunion. They are required to obtain verification directly from the source which would be the court in this case. the last line of the courts response states that they do not provide information to credit reporting agencies. They are not allowed to go by public record alone as there can be errors. I demand written verification from a representative of the court that verified that bankruptcy. My documentation shows that the court will not give that info to the cra, therefore, By law this must be removed.i am publishing the complaint this time so that people can see that what they are doing to people and so they can learn from it.

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 2021-07-07
Company: DISCOVER BANK
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AR resources debt collectors trying to get money from patient when insurance say we are not responsible for payment to Dr or collection agency in the amount of XXXX, insurance has contacted Dr and collection agency but still shows up on XXXX credit report. Have documentation to support that we have no responsibility to Dr or collections. We paid our copay in full at time of service. Emergency room visit. This was an emergency room visit and our obligation is a flat XXXX copay per our insurance policy which was paid in full by patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please look at the spreadsheets from years ago and see the fake ones they sent me. You can see for yourself all the numbers they forged and overcharged us for. Our loan does not have a late payment policy or NSF policy so all these fees need to be returned. YOU refuse to answer us on this. LOOK at them, XXXX. So many lies it's unreal. Look at the bank payments I am sending. None of it matches. NONE OF IT! Payments are being applied where ever they want them to appear or they are missing. XXXX representative XXXX will be more than happy to go over the account with you. XXXX XXXX STATEMENTS DO NOT LIE. LOOK AT WHERE THE XXXX DOLLAR PAYMENT IS MISSING AND 8 XXXX PAYMENTS ARE MISSING. 

THE LOAN PAPERS ARE ATTACHED AND NOWHERE DOES IT SHOW YOU CAN CHARGE ME ANY OF THESE FEES XXXX. NOWHERE. PLEASE PROVIDE ME A PROOF OF OUR SIGNATURE AGREEING TO ALL THESE PHONEY FEES. ALL OF THE FAKE CHARGES IS A CRIME. 

YOU CAN NOT BE BLIND. JUST BECAUSE YOU REFUSE TO ACKNOWLEDGE IT DOES NOT MAKE IT DISAPPEAR. I AM ATTACHING OUR LOAN AND YOU SHOW ME WHERE THEY HAVE THE RIGHT TO CHARGE FAKE LATE PAYMENTS AND FAKE NSF CHARGES. WHERE DOES IT SHOW YOU CAN CHARGE ME FOR A CHANGE OF LOCKS AND LONG-FORM FEES FOR XXXX XXXX DOLLARS? IT DOES NOT XXXX. WHERE DOES IT SHOW YOU CAN CHARGE XXXX FOR LATE PAYMENTS? EVERY LATE PAYMENT IS FALSE AND I WANT IT REMOVED ASAP. IT'S THOUSANDS OF DOLLARS. I WILL NOT STOP EVER TILL ALL OF THIS IS EXPOSED ON THESE CROOKS. HOW CAN YOU CHARGE MY ESCROW A XXXX MORE FOR PAYING FISD SCHOOL TAXES? YOU DO NOT ANSWER ANYTHING BUT TYPE UNRECONSTITUTED INUENDOS. SO STOP WITH YOUR EDUCATED FAKE THEORIES AND GET SOME GLASSES. I AM EDUCATED AS WELL AND WORK IN THE COURT SYSTEM SO KNOW FOR A FACT WHAT YOU ARE DOING. YOU THINK YOU CAN JUST THROW IN YOUR EDUCATION WITH A SOMEWHAT THREATENING DEMEANOR. IT DOESN'T NOT WORK FOR ME AND I FIND IT LESS THAN ENTERTAINING. YOU HAVE MET YOUR MATCH AND UNLIKE YOU I WORK FOR THE WELL-BEING OF OTHERS NOT THE PAYCHECK. WHEN I TELL YOU THEY ARE STEALING FROM XXXX YOU CAN BANK ON IT. I HAVE NO REASON TO LIE. WHY WOULD I? WHAT WOULD BE THE POINT? SO ALL THE LAWSUITS AGAINST YOU ARE JUST MAKE-BELIEVE? GOOD GRIEF. 

KEEP RETALIATING AGAINST XXXX AND WE WILL FILE WHISTLEBLOWING. 

KEEP THREATENING TO TAKE OUR HOME WHEN ALL WE DID WAS REPORT THE THEFT AND YOU WILL FIND YOURSELF IN ALL KINDS OF TROUBLE. ONE MORE FAKE PAYOFF STATEMENT WITH MONEY OWED OR THE COMMENT ABOUT RELEASING OUR DEED TO THE SECURITY INSTRUMENT TO SCARE XXXX WILL CONSTITUTE EVERY ASPECT OF THIS LAW. 

( Almost anyone with evidence of fraud or misconduct can be a whistleblower. You do not have to be a current or former employee of the company that engaged in fraud or misconduct. ... )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: SYNCHRONY FINANCIAL
State: CA
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:
For the last two months I have tried calling XXXX and XXXX about removing inquiries from my credit report that I did not authorize and I have gotten no results as of today which is XX/XX/2018 there are over 15-20 inquiries that has made my credit drop drastically and I did not authorize this. Such as XXXX which they said it was fraud on the inquiry and XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-17
Company: CBC Credit Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On or about XX/XX/2018, I received a letter from CBC Credit Service Inc., XXXX, XXXX XXXX Michigan XXXX. The letter is threating and assumptions regarding ability to pay. It says it contacted my employer and believe I have the means to pay. 
Account # XXXX XXXX is the collectors name on letter. 
I have attached a copy of letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Westlake financial customer service XXXX XXXX rep called me and told the call will not stop unless I paid today the sent me a email for request for payoff credit form and contract I never asked her for these things told me Im 4 day past the due date I said call cant continue if I have been notified she said they will this happened XX/XX/21 she pretty much just threatened to report to my credit if I dont pay her that day

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/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 2021-07-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an unauthorized inquiry on my credit reports from EQUIFAX MORTGAGE SOLUT on Inquiry date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing LLC has not applied our monthly payments to our loan correctly in XXXX. In XX/XX/XXXX, our payment went up {$200.00} due to low escrow fund balance, which was not communicated effectively nor were we provided the opportunity to make an additional payment to bring the escrow up to the " proper amount '' and keep payment at same amount as arranged previously. We received a " notice of Default '' for XXXX, XXXX, and XXXX payments which were not applied to correct months. This was quickly rectified by sending in additional payments as a short-term solution. This was handled very unprofessionally by account management including Assistant and Vice President of Fay Servicing. From XX/XX/XXXX through XX/XX/XXXX, payments were received however funds were placed into suspense account still. Since the past four months have NOT been applied correctly to our loan, funds did not get applied to escrow account which fell short for year-end total to pay property taxes and now my escrow account is - {$600.00}. Also, because funds were not properly applied to our loan, the interest was not paid correctly for much of XXXX so the amount which is provided to IRS is not accurate. Through many, MANY hours spent making MULTIPLE phone calls talking in circles with unhelpful " supervisors '' who have not yet solved this year long issue that has caused so much emotional stress to our family. Fay Servicing has had 12 billing cycles to correct these errors but has not yet corrected this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: IL
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'm Super Upset with this situation. I sent a letter reguarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureau 's have 30 days to reply back and they haven't. I feel like they are just taking Advantage of me by ignoring my disputes which I took the time out of my day to send. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to the law I researched, I demand these account be deleted immediately or I will file litigation due to the street you cause me. My information was impacted by the Equifax data breach and mayhave gotten into the hands of the wrong person. I am begging for help at this point.

Company response to consumer: Closed with explanation