BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: Innovis
State: GA
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, ) from my credit report and all hard inquiries except for XX/XX/2019, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX  and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system. 




I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, ) from my credit report and all hard inquiries except for XX/XX/2019, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX  and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: MO
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 and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 7, 8, and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Currently on my XXXX mortgage servicer ( Shellpoint ) where my loan was transferred to in XXXX XXXX. Concerned that property taxes for XXXX half of XXXX due XXXX XXXX have not been paid. The tax bill was sent to Shellpoint by both myself and the XXXX XXXX XXXX. I have received no confirmation by Shellpoint that the property taxes have been paid. I need to know that they have been paid while I continue to try and have a loan modification or some type of loan mitigation approved that is acceptable and sustainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
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: Account information incorrect

Complaint:
This is regarding our Bank of America home Equity line of credit interest only loan. Our HELOC loan went from interest only to principle and interest which substantially increased our monthly payment. We asked Bank of America to extend our HELOC loan interest only because we could not afford the monthly payment. We noticed that Bank of America intentionally delayed responses to written requests for assistance. After several month of no cooperation with Bank of America our loan was seriously delinquent. Eventually Bank of America offered a loan modification which they call a trial period. The condition of the loan modification was that if I make XX/XX/XXXX, XX/XX/XXXX, and JXX/XX/XXXX payments on time and in full {$780.00} that our loan would be brought current. 
In XX/XX/XXXX we received a letter stating that we successfully completed the trial period and approved for an extension to the term of our equity line of credit. A few months later in a credit report we discovered that Bank of America continued to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Bank of America and asked why they continue to report false information when in fact our loan was brought current and the only way to have been given the loan modification the agreement was three on time full payments. Bank of America representative said it would be cleared up sometimes it takes 30 days to several months but it would be cleared up. 
In XX/XX/XXXX a recent credit report continues to show that Bank of America is reporting the we are making late payments. I called Bank of America on XX/XX/XXXX to complain about the false information they have been reporting. Bank of America representative did some research and according to their records only the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX  monthly payments show late payments from XX/XX/XXXX to the present every payment has been on time. Bank of America representative could not explain why these three months were reported late and yet we were given the loan modification for successfully make XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments on time ( Ref # XXXX ). I was told it would be researched and someone one get back to me. 
Bank of America intentionally delays their responses so that our credit reports score is impacted by their fraudulent reporting practices. So called working with Bank of America has been the worst experience I have had. We are doing all that we can to get away from doing any further business with Bank of America however due to their false reporting we are unable to refinance our home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
State: DC
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:
I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by 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 2019-07-27
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Blocked my account for 3 weeks for total of 27 times. Wish to complete terminate the account by filing complaint with XXXX  but unsuccessful. Their financial review teams always busy, and for transaction dispute is even worse, they took my response as merchants response and closed the dispute. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
When we got divorced in XXXX we had two rental properties with mortgages through Chase mortgage. On XX/XX/XXXX and XX/XX/XXXX my ex-husband forged my name on two loan modifications and Chase put both of these loan modifications in place. I found out about these forged signatures last year and have gone through several avenues to try and get it correct. The latest early in XXXX I talked to XXXX in the escalation department he said they would investigate. The next day he called back and said he was not allowed to discuss it with me anymore, but suggested that I have my ex apply for a loan assumption. ( I suggested that to him with no response. ) I had asked XXXX, and have asked again in writing 3 more times, what would Chase recourse be if he doesn't apply for an assumption or if he doesn't qualify. I have also asked the same amount of times, what is Chase 's process to verify signatures. It is obvious it is not my signature. I have gotten no answers. Yesterday I got a letter from Chase saying to contact them at XXXX. So I did. They questioned why I said it was a fraudulent loan. So explained again what had happened. I again asked my two questions ... what is their recourse if my ex doesn't get a loan modification and what is their process to verify signature on loan modifications. She told me she didn't know the answers to those questions and would have to ask underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
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:
These accounts that appear on my credit report do not belong to me, they are hurting me, please check them WF BANK NA Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX  Account Number : 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 2018-01-11
Company: EQUIFAX, INC.
State: DC
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:
I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was involved in a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. XX/XX/XXXX he contacted me through a social media called " meet up '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX XXXX NJ Stated he was an XXXX XXXX XXXX. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX and things kept happening. Machine fell in water and he needed money, no access to bank account or his credit cards, got in a car accident, got stabbed, needed money for medical bills, food and airfare. Wallet got stolen. Finally this XX/XX/XXXX he repeated his story of getting into an accident and sent same pictures. I am still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through Western Union and XXXX XXXX I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I sent money to XXXX XXXX, XXXX XXXX, XXXX XXXX in XXXX claims address is XXXX XXXX XXXX XXXX XXXX XXXX. I have filed a report with local police but they dont think they can do anything and have not contacted me further. I have receipts, pictures, texts and emails.I cant upload the western union receipts on this form

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card with XXXX XXXX I for about a year, but I have been a customer for years. The bank that backs the card is XXXX XXXX. The bank has decreased my credit amount from {$900.00} to {$400.00} dollars since I filed a complaint with you against them for not applying my payments and charging me late fees. This bank for this XXXX XXXX card has restricted my access to use the credit on this card. XXXX XXXX is still charging me interest on the XXXX credit card after I closed the account. I want to close this account, but I believe they will continue to charge interest for a closed account. 
I believe they retaliated by decreasing my credit limit from {$900.00} to {$400.00}, and now has restricted me from using the credit on this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: GA
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:
This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, INC.
State: DC
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:
I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX my account on cryptocurrency exchange gdax.com owned by CoinBase Inc. was temporally suspended without any explanation why and what happened to cause my suspension ( see pic 1 ). Right the way I contacted their customer support email that they show on their website but for my surprise that email is disabled. ( see pic 3 ). Found another email and emailed it on XX/XX/XXXX. ( see pic 6 ) After I did not receive any response from them via email tried to contact their customer service phone XXXX. After multiple calls even after being on hold for over an hour and a half I was not able to reach any of their representatives ( see pic 7 ).

At the moment of suspension my account on gdax.com had : Lightcoin XXXX coins worth {$2800.00} on XX/XX/XXXX Ethereum XXXX coins worth {$5600.00} on XX/XX/XXXX US dollars about {$3500.00} ( See pic 2 ) Recently I found out that I 'm not able to add bank account for withdrawal of my money ( {$4000.00} ) from coinbase.com also owned by CoinBase Inc. ( see pic 5 ) I can not believe the biggest cryptocurrency exchange in the US has such a poor customer service.From what I read online in reviews and forums hundreds of people are in the same situation as me and their money put as a hostage of CoinBase Inc.  Denying access to funds for thousands maybe millions of dollars to me and many more customers out there should be unacceptable but it seems like it is becoming norm for Coinbase Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CORELOGIC INC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have seen hard inquiry for certain lenders with out my permission

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 2021-10-09
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a transfer of service notice from my current services, community loan servicing indicating my loan would be transferred to Fay servicing on XX/XX/XXXX. The letter indicated that Fay servicing would be accepting payments as of XX/XX/XXXX and gave a phone number ( XXXX ) and address for Fay servicing to send payments to Fay Servicing , LLc XXXX XXXX XXXX XXXX XXXX Ill XXXX. I contacted Fay servicing on XX/XX/XXXX to make a payment and get my account number and they had no record of the loan. I contacted Fay servicing on XX/XX/XXXX to attempt to make my payment once again. I spoke to XXXX XXXX on a recorded line on Friday morning at XXXX PST at Fay servicing. I was told they had no record of my loan and could not accept payment. I was also told not to mail my payment to the address given on the Transfer service notice because I had no account number, and they had no record of the loan. I was told they were having problems on boarding loans, and I would not be charged a late fee or any penalties because it was there fault. XXXX XXXX told me to keep calling back and checking to see if my loan has been on boarded. 
I also called my previous service-Community loan servicing on XX/XX/XXXX, and spoke to XXXX at XXXX to make her aware of the problem and what they had indicated in the letter about Fay accepting payments on XX/XX/XXXX was inaccurate and false. She has referred me to a consumer advocate person at Community loan servicing who will call me on XX/XX/XXXX. Community loan can not accept my payment because they have my loan transferring to Fay servicing as of XX/XX/XXXX, and Fay servicing has no record of the loan. Please help me resolve this. I just want to make my mortgage payment now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Im reporting what i believe is a fraudulent text message stating my BofA prepaid debit card has been cancelled and asked to reactivate. I have no accounts at BofA

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 2017-09-26
Company: EQUIFAX, INC.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was unable to freeze my accounts with the link offered by Equifax. There was no way to get it to work, I tried on multiple dates. Help, as time goes by, I am afraid that my accounts will be drained and my social security number used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. We opened a mortgage in XXXX. 

2. Between then and XXXX, we made escrow payments totaling {$4600.00}. 

3. We asked Ditech to close the escrow account in XXXX. 

4. They closed the account in XXXX and refunded us {$1500.00}. This means they still owe us {$3000.00}. 


5. On XXXX XXXX, we sent the following letter : Hi, Thank you for closing out my escrow account. 

In reviewing the documents associated with my escrow account close-out, I believe that you refunded me too little money. You refunded me {$1500.00}. My calculations in the attached spreadsheet show that I contributed {$4600.00} to this account. Please promptly refund me the difference of {$3000.00}. 

Thanks, XXXX 6. They wrote back a letter which I have attached below. The letter says " Enclosed, for your records and review, is a copy of the HUD-1 Settlement Statement.  Please be aware that this statement does not reflect taxes being paid during the origination of this loan. '' 7. Ditech 's second sentence is factually incorrect. The first line on Page 4 of 4 in the HUD settlement shows that we paid {$6800.00} for " 2016 2ND INSTALLMENT TAXES XXXX to XXXX XXXX FOR 2016 TAXES '' at the closing. XXXX XXXX XXXX XXXX XXXX paid our property taxes and refunded us XXXX on XXXX XXXX. This refund posted to our account on XXXX XXXX, see attached. )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
State: DC
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:
I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by 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 explanation
Consumer complaint received 2019-01-30
Company: Convergent Resources, 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  has been non-compliant with removing the unverified account CONVERGENT OUTSOURCING , INC . Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CONVERGENT OUTSOURCING, INC. was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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