BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Per the advise from a CFPB representative, I am filing this second complaint for the same unresolved issue. The first complaint was sent XXXX of this year 2020 and Lakeview Loan did respond apologizing for the inexcusable extreme delay promising an expedited process to complete my streamlined refinance ASAP. 

As stated in my original complaint, we started our streamlined refinance on XX/XX/2020. We even signed a new application with a closing date of XX/XX/XXXX. Today is XX/XX/XXXX and we are now going on 7 months with still no confirmation of a new closing date. Since the Lakeview response, our loan processor guaranteed my wife and I several dates for us to close but each date fell through due to items the loan processor failed to complete further delaying the process.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
DEPT OF EDUCATION/XXXX  is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. 

Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history

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 2021-05-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report, there is a medical collection from XXXX XXXX XXXX of an amount of {$130.00}. I have sent Equifax a dispute back on XX/XX/2021, it has been more that 30 days and they still have not verified the account. Per the fair credit reporting act law, they had 30 days to verify and if they are unable to they must delete it. I also NEVER received a letter from XXXX regarding a verification of debt. Now they have a derogatory on my credit report which is affecting me on getting credit because of this negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Grain Technology, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took out a grain loan in 2020 and set up automatic payments from my bank account. Unfortunately I had to switch bank accounts and that is where the problem started. First of all, Grain is only for XXXX devices, which was fine when I had an XXXX, but after that device broke, grain offers NO way to access your account. Not through XXXX, not through their website, not through an automated call, nothing. So I called, I would wait on hold for 30 minutes only to be disconnected because " no one is available ''. I emailed several times asking how I can pay as I was now several payments past due. Grain couldn't answer a phone or respond to an e-mail but had NO problem reporting my late payments on my credit report. I FINALLY got someone to send me a one time invoice, which I promptly paid, and brought my account current.

When it came do again, I started the whole process again, I emailed and asked for a similar link, no response. I called, hung up on after a 30 minute hold time. I even tried borrowing a friends XXXX  to log in, and I can't update my bank account in the app and I can't get past the " confirm bank account '' screen, for a bank account I no longer have. So I emailed again, no response. 

Now they're going to end up posting MORE late information on my credit when I have done every bit of due diligence possible to make this payment. They are forcing their clients to suffer for their inadequate customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On X/XX/17, Wells Fargo wrongfully charged an overdraft fee in the amount of {$35.00}. Upon viewing my checking account 's balance just that morning, there were more than enough funds to cover the charge that they are claiming incurred this fee, which was {$61.00}, paid to XXXX. When I point this out to them, they blame me and refuse to correct their mistake. Please assist.

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 monetary relief
Consumer complaint received 2018-04-30
Company: CAVALRY INVESTMENTS, LLC
State: FL
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 have been complaining for a year to XXXX, XXXX that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. XXXX wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called Cavalry. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or  was, but I will not pay a debt I did not incur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, so I entered into a forbearance plan couple months back, and have now several times getting off the forbearance with no success, I even had a rep tell me it was ended to then make a payment later realizing it was not ended in fact my payment was spread out somehow that I can not see how, due to the way the page looks when you are under a forbearance. I have called 3x to 4x now trying to get off of it, with no luck I have gotten 2 answers from reps stating manages have gone home for the day and can not approve at moment to then be told I can receive a call back the next day and never received one.

I am not sure how this is to play out if they wont call and I can not get straight answers when dealing with them on the phone line. I have been wanting to make a pmt of half of the XXXX I owe, am staying in the property as I have been and explained I'd like to get onto repayment plan in which case a pmt would be made as soon as I ended the forbearance, to no avail I'm still stuck in this situation with them and don't know what to do, please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is reflecting an account that doesn't belong to me and is fraudulent. this account was removed/deleted from my credit file and they are putting it back on suddenly and its not correct. this account has been removed and should stay that way. I spent numerous months getting this off and spent so much money getting this resolved and now they put it back on my credit file and I have sent them again all the documentation to remove it and they advise they will not do so. this negative XXXX XXXX account hey have listed on my credit file does not belong to me. this needs to be removed asap for good and this is ridiculous that they are again violating my rights and the credit regulations. I have spent countless hours getting this resolved and for them to not properly handle this is ridiculous.

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 2018-04-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian credit reporting is reporting an account closed that I have not ever had closed and has always been opened and in good status. I have reached out to Experian numerous times about this and they have ignored my requests and now will no longer process my requests to correct this error. all the other credit agencies have the information correct and Experian is the only one with incorrect date being supplied and shown on my report. they are reporting a closed credit card account with best by and my best buy account is opened and has been verified by best buy credit card department, I have reached out to Experian on this matter for over a year now. please make this right and update this correctly so my credit file reflects correct information.

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 2021-02-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I cant view or monitor my Equifax credit report. I continue to call into the XXXX and placed on holds with XXXX customer service from Equifax. I was apart of the data breach and part of my settlement is to have the ability to view and monitor my credit report. Equifax keeps taking away my ability to view and monitor my report which is a breach of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
American Express Company opened up my Accounts in a Fiduciary Relationship acting as me. The bank is not in the same state as me. This is both Fraud against my person and Tax Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased on XX/XX/XXXX a bracelet by XXXX XXXX via Macys.com.  I used something called " Star Money '' based on a prior purchase. Unfortunately the bracelet came damaged and Macy 's refunded me the money but charged me for the Star Money in a total of XXXX ( XXXX plus tax ) and this charge is on my bill. I was sent a gift card for XXXX and Macy 's claims this is legal by govermental law per the rep I spoke to 3 days ago online. They are ripping me off XXXX cents on a tax of a gift card which was unwanted. I was hoping they would just refund my credit card and I would forfeit the Star Money. They  have refused to solve my inquiry and drop this charge of XXXX. I have a gift card for XXXX. I also get charged XXXX a month if there is nothing on my statement. I feel they should simply drop the charge on my store credit card, and forfeit the Star Money. I have tried to close this card. To date, they are leaving a XXXX balance on there I must pay as the minimum or they will charge me interest - even though all that was returned because it did not fit me correctly. In the past, they sent me a defective fold out cot and told me they would not refund it but I could keep it for 1/ 2 the price - only to brutally slash my credit card spending power by XXXX. My limit is now much less on this card. It really is aggravating. I am not sure what games they are playing but I have been quite upset. I basically have to pay this card on a nonexistent item which was returned unless I want to pay interest. The whole thing is a mess. Then I will have to wait 3 months in the mail for the check refund of an overage of my bill. Customer service is super unhelpful.

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 2019-01-08
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:
Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My experience with Lowes/XXXX XXXX has been horrible since XXXX when problems with their credit card as ruined my credit report since then. In XXXX my Lowe 's credit card had a withdrawal of {$250.00} dollars without my consent from my checking account. I called customer service and explained what happened, the person from customer service told me that it must of been one number off of someone else 's account number and the withdrawal should not happen again.From there I had to go to my bank which is XXXX and fill paper work out to get my money put back into my checking account, which they did. So I decided to cancel that credit card and open a new one just to be same. A year later the same problem happened again. {$250.00} dollars was taken out of my checking account without my consent. Again I called customer service and they explained that should of never taken place. Then once again had to go to XXXX fill out paper work to get my money back. Once again they had to get my money back from that withdrawal. But as all this was going on I was still making payments on my Lowe 's credit card bill like always. I notice that all my payments where being returned to me and late fees and interest charges where being placed onto my credit card bills. Come to find out XXXX had shut down all my transaction between Lowe 's and XXXX without me knowing and telling me that they had done that until I found out for my self which was very upsetting to me. Unfortunately because of their mistakes my credit rating has suffered immensely! I was taking to court by XXXX XXXX and paid off all my debt so I thought. I find out that I still have a Lowe 's credit card with a balance that has been charged off? I am looking for some help on getting this resolved and my credit rating to be improved. I'm also on XXXX and can not afford to pay off the debt at this time. If it wasn't Lowe 's / XXXX XXXX and XXXX I would not this dilemma. Thank you 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 explanation
Consumer complaint received 2018-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Bank of America. There are two transactions made on my account without my authorization. On XX/XX/XXXX {$420.00} and XX/XX/XXXX {$450.00} at a United States Post Office. I submitted a fraud claim with BOFAXX/XX/XXXX I also filed a police report on XX/XX/XXXX case number # XXXX. Later I was contacted by detective XXXX XXXX that since the purchase 's were made at a Government agency he could no longer assist me. He would forward this to the USPS inspector. BOFA gave me a provisional credit of {$870.00} on XX/XX/XXXX. However, on Friday XX/XX/XXXX I was informed they are unable to pay and all credit 's given to me would be withdrawn from my account on XX/XX/XXXX. I was told by the bank that my card and pin number was used for both purchases. I gave them the police report number and told them I can prove I was at work ( time card/human resources ) at the time and date of transactions. I initially asked to retrieve video because it was at a Government facility. I called the bank again this morning XXXX I was given the reason of denial to be " after reviewing a pattern of my account this did not fit to be a fraudulent purchase ''. I'm at an utter shock after I told them I have proof that I was at work, I filed a police report so I can press charges and asked them to pull video. After all that it was still denied! It may not seem like a lot, but {$870.00} is a lot of money to lose. This has caused a major stress. Please help me.

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 monetary relief
Consumer complaint received 2018-06-26
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went in and purchased some Items from CONNS. Some of the items that I purchased were not at the store location, and I was instructed to go by their warehouse and pick up the remainder of the merchandise. The warehouse did not have my items in stock as well and I was told that it would be shipped to my home. Also, CONNS added rental insurance in the amount over XXXX to my account. I brought it to their attention and they stated that due me having rental insurance it would come off. Months and years went by, I am paying on my merchandise, and never received my items that were listed on my contract from CoNNs but they want me to pay for them. Also, they never took off the rental insurance XXXX. I believe the contract is non/void due to them not keeping their promises of giving me the items that I agreed to pay for on the contract. I believe this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have two mortgages with Ocwen Servicing LLC. I place  one of the property on the market for sale in XX/XX/2016. It was discover my the buyer attorney that the title was not clear. I work to find out what the problem was. During this time I got behind in my monthly payments. The property been sold was multi-family and paid the mortgage for both properties. I contacted Ocwen ask that they investigate, they claim the title was clear. I send them documents from my research sure what they will do. This company has a bad history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2016 this account was settled in full during the cancellation period when all equipment was returned to XXXX XXXX. The store and corporate acknowledged that account was paid in full and admitted to being in error. This new collection is also in error and should be removed permanently to remove any liability made against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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