BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Storm damage to the property in XXXX of XXXX, led to an insurance claim. The proceeds from the claim check needed to be signed by the mortgage company Carrington Mortgage, and they KEPT THE CHECK. There was a second check cut, the first was for XXXX XXXX and XXXX XXXX XXXX  the second was for over a XXXXXXXX XXXX due to MORE DAMAGE done at to claim due to lack of repairs. This check too was kept by Carrington saying, " ... .because we have a financial interest in the property, we need to monitor the repair process. '' However, with no money down, and no action on their part to pick a contractor that falls to me, and I couldn't find a contractor since I have no money to put half down to get started. Eventually, we found XXXX XXXX, who kindly agreed to send all of the paperwork requested by Carrington Mortgage. Bids, Insurance, licenses, all sorts of stuff were delivered, and Carrington admitted in a phone call last week that they had all of the material they needed since XX/XX/XXXX. They said they needed 5 days. That was two weeks ago. I was told yesterday the XXXX, that they may have made a XXXX XXXX XXXX withdraw from the account, as if, that would equal anything!!! It's not half of anything, it's not all of anything, it's a random amount that gets nothing done, like the process they've been monitoring for 10 months. I want ALL THE MONEY to hire or fire whom ever I want to get my roof fixed. Carrington Mortgage is interfering with the contractual completion of my insurance policy by usurping the construction process and denying me my promised contractual proceeds in response to a covered properties damage as defined and assessed by an accredited agent of the company, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i noticed a pass due account on my credit report from XXXX XXXX XXXX XXXX. I called them right a away and explained that i have never ever lived or stayed in NJ and have nothing to do with this, they asked me if i have a girlfriend, i said i have a wife and the lady asked me about my wife name, after i told her, she said " ohhh no it is not her '', but theres nothing that she can do to help me. then i disputed it with XXXX  and XXXX XXXX, after couple of Weeks they said that they contacted the company and everything checks out so they updated the file and made it worse. I called and try to explain and they were not very helpful. I also filed a report for identity theft with FTC and submitted it to XXXX. XXXX XXXX XXXX XXXX are the real criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/20 XXXX  was used to place order for a XXXX XXXX XXXX XXXX XXXX  for {$51.00}. The tracking # XXXX for XXXX was given. Delivery notification for XX/XX/20 was emailed, but no package was found. XXXX was contacted and verified package was not delivered to correct address, nor had my name attached. Charge was disputed with Discover. XX/XX/20 the XX/XX/20 XXXX email was provided to Discover. Discover has reinstated the {$51.00} charge without contacting XXXX to verify juicer was not delivered. Seller is no longer on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: JPMORGAN CHASE & CO.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a XXXX XXXX at lease end in XX/XX/XXXX, using a loan from credit union. My town has a property tax on cars that is billed after the fiscal year is over. The tax bill goes to the listed owner, which in this case was XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX that {$250.00} had been paid on my behalf for property tax and the amount was added to my account. I therefore sent a check via my online banking to XXXX XXXX XXXX c/o Chase with the same account information that I had used to pay lease payments. This check was returned as the account was reported as paid in full. 

I have tried calling XXXX on two occasions and have spoken with 4 different service representatives, none of whom could help me. They eventually referred to an agent named XXXX at XXXX XXXX. I have contacted her twice and was sent to voicemail both times and have not heard back. It appears Chase has sent this to collections, but I can't get a clear answer. I can not get anyone on the phone to send me a bill in writing to clarify what I owe or to whom nor how to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the refinance process with 5/3rd ( they previously held my note ) back in XXXX of 2020. We finally closed on this mortgage a couple months ago. I was told by the sales rep XXXX XXXX that the amount was XXXX a month and maintain my existing years left which was 27. I later discovered that he switched my time frame back to a 30 year and showed me different paperwork. During the underwriting process I still paid my mortgage every single month up until closing day. During this time 5/3rd was escrowing my biannual property taxes however failed to pay them to my township. My taxes are now 60 days late along with a 3 % fee being added. I have called 5/3rd about 15 times with 0 help at all. They said our tax department handles this but they have no phone number only an email and fax. I have emailed them multiple times with no response. I had one woman tell me to reach out to my closing team which included the sales rep and his assistant. I did hear back from the assistant who said she was helping but has since been fired/quit? XXXX has never attempted to call me and the mortgage services line said they have the money but wont release it because the tax department has to do this. Every person I have communicated with is completely incompetent and not willing to help, " its not my department I cant help you '' is all I hear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/22 at about XXXX PST on my way home from dialysis my fanny pack was left on the medical transport XXXX. We contacted the transport company and they denied having the pack. 
On XX/XX/22 I phoned Direct Express about my card being lost/stolen and I was informed that a debit for {$600.00} was conducted at a market in XXXX ( XXXX miles from my house ) at XXXX. The agent took a claim. The funds were credited to my account. 
On XX/XX/22 I filed XXXX police reports. One in the city in which my dialysis center is located XXXX XXXX XXXX XXXX XXXX on within my local city XXXX XXXX Department XXXX XXXX XXXX and an incident with XXXX XXXX who refused to issue a number because I reside in another county. 
Approx 45 days later I learned that the funds were reversed. I contacted the center and was told that the investigator denied the claim and would send me written correspondence. To date I have received no correspondence why my funds were reversed. 
XX/XX/XXXX and XX/XX/XXXX my social security check was held by the institution. They refuse to provide me any information as to why any of this is taking place until they receive a ID, SS Card and now a birth certificate. I have arranged transportation to the local DMV to get a new ID since the other was in the fanny pack and social security card but Direct Express is now demanding a Birth Certificate. How am I supposed to order a birth certificate with no money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have Wells Fargo Business checking account. 
They have placed limits on my online transfers ( transfer out to external accounts ) ... which is greatly impacting my business. 
I have been trying hard to convince them to increase my limit but getting the usual excuse making response from Wells regarding this. 

My money is stuck with Wells Fargo business checking account.

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 2019-08-22
Company: EQUIFAX, 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 belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
L   XXXX   XXXX   XXXX   XXXX   XXXX   - North Carolina. While I was approved for {$500.00} with a repayment of {$670.00}, my bank account was changed for more with now a balance of {$1000.00} to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a copy of admission form, This form I did not sign or legally agree to. The signature on the original admissions form was signed without my permission, consent or knowledge. XXXX XXXX had a family member sign on my behalf without my consent or knowledge, in doing so, they took my rights away of being informed as a consumer! At the times of medical procedure I was of sound body and mind and able to make my own decisions and was denied this right. This document should be nulled and debt should not be legally collected on. I would like all debt, interest and all derogatory reports added to my credit bureau removed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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 belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX   ; XXXX XXXX ; XXXX XXXX and 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 2021-11-05
Company: ACIMA CREDIT, LLC
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the process to refinance my current mortgage. The closing lawyer attempted to obtain the payoff statement, but they would not provide that statement for 4 business as they claimed they are behind. The lawyer informed me I could obtain the information sooner. I called and spoke to a representative on XX/XX/XXXX who said she could request I receive the payoff statement in 24 hours if she requested an expedite through a supervisor. I called back on XX/XX/XXXX, my closing date on the refinance, to determine the payoff amount as I had not yet received the payoff statement. I was told that it had not yet been generated, but still could be done today. I asked to speak to a supervisor and was told that one was not available and could call me within 24 hours. They also told me that there was no one within the company that could help me with this inquiry.

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 2019-07-18
Company: Experian Information Solutions Inc.
State: CA
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 ; Experian and XXXX are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of the attached credit report. ) I have made multiple consecutive payments on these accounts  and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.

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 2019-07-18
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage in full on XX/XX/XXXX with Sierra Pacific Mortgage Company. Due to escrow closing earlier than expected, I overpaid by about 2,000 , and my mortgage company said I would be issued a refund check. 

I had originally submitted a change of address form to my new address in XX/XX/XXXX of this year, but my mortgage company did not process this change in address and failed to tell this to me. 

Then, I called my mortgage company after closing, and they said they would mail the refund check to my new address. 

In XX/XX/XXXX, I called to inquire about the status of my refund, and they said they had mailed it to my old address - the house I sold in XX/XX/XXXX!!! 

I have since gone back and forth with them multiple times, and they still have not sent me my refund check to my new address, even though I keep sending them all of the forms and documents they ask for. I call each week, and each week they say they will take care of it, but then next week, the new person says the previous person didn't complete the required actions. 

They also refuse to call me when they have done anything, and insist I keep calling them for status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Unisa, Inc
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had a direct student loan that was being serviced by XXXX. While under XXXX, I had zero issues. However, that company underwent a buyout and in the process of doing so sold some of their loans to UNISAINC. UNISAINC makes almost no effort to indicate that payments are due - the only notification from them that either I or my girlfriend ( who also has loans serviced by them ) are letters in the mail that often arrive on the date of or after the payment due date informing us that we owe money. Since both of us are proactive, this isn't a huge problem for us personally but could be one for other borrowers. Our main problem is in how difficult UNISAINC makes payments. Every. Single. Time. I go to make a payment online, their website is having issues. Sometimes it will log you out for clicking the wrong link. It is frustratingly slow. They make it difficult to access the payment page. Most frustratingly, there are entire *weeks* where you can not access their website. I understand that the CPFB is better able to serve with specific information - however, there are no specific dates or actions that stand out in particular. This is a repeated problem since UNISAINC has become our servicer. Unfortunately, payment by mail is not an option due to the aforementioned inability ( or unwillingness ) of UNISAINC to contact us in a timely manner. Unfortunately, payments over the phone are not an option as well since their phone lines close after work hours. Additionally, when I have made payments in the past, they have taken longer than their stated processing time to apply the payments. This has caused financial injury to me as I have overpaid as a result of their negligence. 

It seems obvious to me that UNISAINC is willingly engaging in practices designed to make it more difficult for borrowers to repay their debts. 

Attached is a collection of receipts from UNISAINC and a screencap taken as I tried to log in to my account and pay on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: CA
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:
Equifax ; XXXX and XXXX  are reporting incorrectly ( 90 ) plus  days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of  the attached credit report. ) I have made multiple consecutive payments on these accounts and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.

Company response to consumer: Closed with explanation