BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-25
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification back in XX/XX/2019 due to my loan not being written correctly and the title company never paid my insurance so I had a forced insurance without notice and my payment increased .The mortgage company keeps telling me they haven't received proper documentation, when I keep resubmitting the same information by fax and email over three times.The mortgage company is delaying the loan modification process.I have proof of submitting the information requested.Please someone help me.My name is XXXX XXXX and I have Cross Country Mortgage as my servicer.I agreed to a payment of XXXX per month then my payment increased to XXXX per month due to title companies negligence.No one is trying to correct the problem and my mortgage become very unaffordable.Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a RESPA letter to SPS and called them regarding an inaccurate pay off statement and inaccurate statements. I called SPS and talked with XXXX XXXX and asked her : 1. Why the amount to reinstate my mortgage was {$450000.00} on my XX/XX/18 Statement versus {$260000.00} on my XX/XX/18 Statement. 
2. What is the recurring " Other Charges and Fees '' ( see XX/XX/18 statement ) of {$5300.00}. 
3. Why the historical past due amount for XX/XX/18 on my XX/XX/18 statement was {$3400.00} and changed to {$2400.00} on my XX/XX/18 statement. 
4. Why did my mortgage payment go from {$2400.00} to {$5300.00} on my XX/XX/18 mortgage statement. 
5. How do you justify charging a monthly mortgage amount of {$5300.00} plus {$5100.00} in Other Charges and Fees of {$5100.00} ( see XX/XX/18 stmt. ) for a total of {$10000.00} solely for XXXX.. 
XXXX ' could not answer the questions and their RESPA response did not answer the respective questions. XXXX stated that the statements were in error and were a projection. She went on to say that the loan had been delinquent for too long to provide an accurate accounting.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
I CALLED ALL 3 credit bureaus and spoke to them about the fraudulent inquires on my credit report. the all said to contact the companies and the companies said to contact the credit bureaus. I've been getting the run around. I told them i filed an identity theft report with the government as well. here are the fraudulent inquires for each bureau. EXPERIAN 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 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

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 2023-02-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont owe this debt. I have never lived at XXXX at XXXX XXXX and have asked multiple times for proof of a lease with my signature and this collection to be taken off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have about {$14000.00} in my XXXX XXXX 's " XXXX XXXX. '' I have been trying to withdraw for over XXXX weeks now. I've called and called and called. I have been told they can't verify my mobile number, saying it's a prepaid phone number. This is my only mobile number. This is wrong, almost sounds weak to me. I have a post paid XXXX XXXX number and I haven't ported my number recently. I've had this mobile number since 2011. 

" We can't send validation codes to prepaid phones, '' I was told. I replied, " It's NOT a prepaid phone line, I have post-paid XXXX XXXX '' Nonetheless, I offer any other information to jump through this hoop. " Nope, that's the only way, but I'll file a case for you and someone will call you back. '' After XXXX weeks and numerous follow-up calls, I keep getting the " I'll file case and someone will call you back. '' I'm extremely frustrated since I keep hitting this brick wall. 

I need part of this $ for a car down payment. No one at XXXX seems to care. This is my money, I've offered any validation data they need, if it's indeed a security issue. I feel they don't want to give me my money, honestly. What gives??!?!?! 

Please, please help My, again MY money is being held hostage for no reason!!! No one will actually help me resolve this and the issue ( from what I've been told ) seems to be on their part. MY PHONE NUMBER IS NOT PREPAID. Nonetheless, there should be other alternatives for validation. 

XXXX " XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: OR
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-19
Company: Comerica
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mother passed XXXX of XXXX  Added me to account months prior. Never used account until I was instructed to pay bills for her and rent as she could not do it herself. Used her money which was about XXXX to pay bills as instructed and now company has claimed her debt belongs to me just because she told me to pay her bills using HER money. I have disputed this multiple times with company. They still insist on me paying a deceased persons debt that is NOT my debt. It was her money when it was used. I did not want an account with the original creditor but she added me to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC was not the owner of this debt. I paid this debt in full with XXXX the owner of this account on XX/XX/XXXX. Confirmation number # XXXX. I was told by the resolution supervisor XXXX that the account was owned by XXXX and by paying the account in full the collection from ERC would be removed from my credit report as ERC is a 3rd party collection agency and NOT the owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX received my XX/XX/2021 auto loan payment on XXXX XXXX, 2021 ( due date XXXX XXXX, 2021 ). However, XXXX misapplied my payment to the wrong account of a related family member. I received a collection call from XXXX when the account went 30 days past due. I requested XXXX to correct the misapplied payment, which they did. However, they did not reflect the true payment date of XXXX XXXX. 
My credit history on XXXX and TransUnion reflects a 30-day delinquency, which has significantly impacted my credit score unfairly as the payment was received before it was due, which tells me that XXXX has not correctly reported my account history to the credit bureau agencies XXXX 
I have attached a screen shot of my payment history from my XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-21
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2019-08-01
Company: Keystone Credit Collections Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX is using a debt collector called XXXX XXXX. They are harassing my wife, parents, and work with phone calls.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-25
Company: JPMORGAN CHASE & CO.
State: UT
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:
XXXXXXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX XX/XX/XXXX, Chase credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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:
To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2023-10-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
A request was submitted ( XX/XX/XXXX ) and recognized for waiving the fee assessed in document ID XXXX for account XXXX due to payment accepted directly by XXXX ( XXXX account XXXX ) at XXXX XXXX XXXX ; XXXX XXXX XXXX IL XXXX per XXXX contract on XX/XX/XXXX in the amount of {$43.00} - XXXX XXXX XXXX XXXX confirmation number XXXX ( XXXX account XXXX ). ( Future payment was routed through XXXX. ) Payment was refunded and the fee not waived. 

XXXX XX/XX/XXXX A similar fee was assessed seemingly for no reason. An appeal was raised and is pending ( XXXX XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Since XX/XX/2021 I have been unable to withdraw the funds in my Binance.us crypto account to my personal off-exchange storage device ( hardware wallet ). 

On XX/XX/2021 I transferred some VET, ETH and ZIL to my Binance.US account and converted the ETH into three other crypto currencies ( ZIL, VET and ONE ). I have no deposit holds on my account so I should have full access to the currencies that are in my Binance.US account. 

When I go to withdraw the funds and send them to my hardware wallet I receive an error that reads, Withdrawals suspended due to risk management. This has been happening since XX/XX/XXXX. 

I have attempted to resolve this by opening three different cases through their online support portal : Case ID # XXXX - Opened XX/XX/2021 - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 
Case ID # XXXX - Opened XX/XX/2021 - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 
Case ID # XXXX - Opened XX/XX/2021 ( later in the day ) - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 

Business has no customer service phone number to call. 

As of now, I have had no response from the company and I am unable to withdraw the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-03-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a PUA claim/file that was put on an Integrity Hold due to possible fraud on XX/XX/2021. I filed the appropriate report with XXXX XXXX fraud department. 

Once benefits were resumed for the PUA program, I applied to have my account reverified and for benefits to resume. XXXX did reverify and reopen my claim. I submitted 11 weekly certifications dating back to XX/XX/2021 to XX/XX/2021. Payment was processed for those weeks and payment was made on XX/XX/2021. On XX/XX/2021 I still had not seen a deposit come through for any of those weeks to my bank account - from the very beginning of my claim being active, funds had been direct deposited to my personal account. 

When I went into my dashboard to investigate, I discovered that someone had accessed my account and entered routing information and an account number for direct deposit that was not mine, as well as changed the tax withholdings to {$0.00}. The financial institution was listed as " BMO HARRIS BANK , N.A . ", account number ending in " XXXX '' and routing number " XXXX ''. The total amount processed and deposited to this incorrect account was {$7700.00}, on XX/XX/2021 via direct deposit. 

I immediately contacted BMO Harris Bank to solicit their assistance with putting a stop/hold on these payments, reversing the deposits, or any suggestions they had to remedy this issue. Clearly their bank was complicit in moving and disbursing funds that were fraudulently allocated. However, I received no such assistance. I was told that despite proving I have NO account with their institution, under my name or SSN, they could not put a stop/hold on the deposits or put any sort of a flag based on the account information I was able to share. They offered no practical solution beyond telling me to call CDLE and file a police report, and wait. Needless to say, there is a lot of time being lost while I make such calls without any action on the part of the bank through which these funds are being illegally obtained and moved.

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 2022-02-15
Company: EQUIFAX, INC.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: TX
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 called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$15000.00} late will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NC
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:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM 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 non-monetary relief