BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern ; My legal name is XXXX XXXX XXXX. 
My maiden name is XXXX XXXX XXXX. 

I need help before it's to late and I loose my home. During my bankruptcy, apparently, my loan was sold to a Carrington Mortgage XXXX. I concluded the bankruptcy back in XXXX of this year and was given the address within Carrington Mortgage to where I was to begin to send my mortgage Pymt. My pymts went from 9 something now to about 1400. dollars. I asked why and they claimed my taxes and insurance went up. Didn't matter, I paid it. 

I follow the instructions given up unto I was told now to send the pymt 's to the address on the Pymt vocher : still to Carrington Mortgage. 

I recently just received my mortgage statement and it is stating that I owe over 5000.00 plus dollars of no pymts plus late fees and penalties. 

This is the ironic part to this nightmare, I use cashier checks to make my pymts ; and XXXX XXXX has sent a copy of 1 of the cashier checks that was missing for the month of XX/XX/2020. This cashier check was deposited into someone else 's mortgage acct. The Carrington Mortgage clerk, who deposited the check in the wrong account, put the mortgage number on the cashier check to where it was deposited. 

Once I showed and verified this with one of Carrington Mortgage Debt Collection Clerks and admitted that to a fault of my own, I was not notorious for putting the loan number on my cashier checks. She stated that it should not have mattered because they use other identifying factors as well. As she began to fix the problem I thought, I instantly believed in her abilities because she gave me her supervisors email, XXXX : and had me forward what the bank sent to me, which was the missing cashier check in question for XXXX XXXX where is this 5000. plus dollars coming from : because of this, I have not sent in XX/XX/2020 XXXX. 

Well, she assured me that the matter would be cleared up in about a week. 

This turned out not to be accurate. He never emailed me back at no time to let me know anything. Now, when I pull him up in my email an attorney 's name or legal company come up, XXXX. 

I simply want my peace in regards to my mortgage and home back from Carrington Mortgage XXXX 

What am I to do? 

My point of contact is : XXXX : XXXX. 
My email is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: UBS BANK USA
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received a notice of assignment from XXXX XXXX naming UBS Bank as the new servicing bank. ( attached ) On XX/XX/2019 I had my bank send a payment using the information in the notice of assignment to UBS Bank and the money was debited from my account. ( attached ) On XX/XX/2019 UBS Loan history starts. That is why my payment may not have been credited. 

On XX/XX/2019 I sent a message to UBS Bank asking them to credit the payment. ( attached ) On XX/XX/2019 I called UBS Bank and confirmed the mailing address and account number. 

On XX/XX/2019I received a statement not reflecting the payment. ( attached ) On XX/XX/2019I had the following chat with UBS Bank. ( attached ) UBS has failed to provide timely answers when I did everything as they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: TX
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:
I've sent a ftc report in regards to unauthorized fraudulent inquiries that equifax refuses to remove under the FDCPA laws I request to have these inquiries removed immediately. I mailed certified Mail in which equifax received all requested documents on XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
American Express Credit Card Account ending in XXXX and Business Name : XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reference Number : XXXX Transaction Amount : {$530.00} I have submitted two dispute claims to American Express with proper and supportive documentation to prove that XXXX XXXX XXXX incorrectly billed me for services. XXXX keeps sending the same incorrect information to Amex who seems to take it for face value without realizing the discrepancies stated by this hotel. This results in Amex making me responsible for the amount in question twice. 

-In the American Express XXXX Statement, the hotel first stated that I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. That was their first false claim. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. 
-The statement I submitted from XXXX clearly indicates that I made a reservation for 1 room for 1 person from XX/XX/XXXX to XX/XX/XXXX. XXXX. The room description is indicated in the copy I submitted and that this reservation was paid in advance as indicated in my XXXX XXXX credit card statement ( I redeemed my 1-night points as a valued customer of XXXX to get that fee ). 
- A second false claim submitted later by the hotel states the wrong customer name and that I stayed in their hotel a total of 4 nights : from XX/XX/XXXX to XX/XX/XXXX. The hotel must have made a mistake with the reservations and billed me for the wrong dates. 
- I have submitted documents in my second dispute that after staying the one night in XXXX, I went to another hotel that I had already booked in advance to join my party. I submitted the reservation from XXXX and the receipt from the other hotel stating the checked-in date as of XX/XX/XXXX and the check-out date as of XX/XX/XXXX. This was also paid in full in advance. I couldn't be in two places at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent some dispute letters to capio partners LLC about some alleged debt they said i owe on XX/XX/2020 and i have attached the letters in the complaint below. I sent it to their Register agent office to make sure it gets to the right person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: CORELOGIC INC
State: CT
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:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review

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 2021-11-09
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My apartment lease expired and I was on a month to month rental at XXXX XXXX XXXX XXXX XXXX, FL . I was informed to give a two week notice before end of month of vacating on XX/XX/2021. I gave a formal notice on the weekend XXXX weeks before the end of the month. However, the office closed early on Saturday, XX/XX/2021. Therefore, I hand carried and delivered the written notice on Monday, XX/XX/2021 to the assistant manager and she acknowledged receipt. Three days later I received an email stating she made a mistake and required 15 days notice and requested I stay another month and pay the following months rent. I informed them my formal notice could not be changed. I gave a {$200.00} deposit and was informed {$53.00} was deducted for repairs leaving a balance of {$140.00} owed me. However, in addition they charged me {$630.00} for not giving proper notice and stating through a collection agency ( National Credit Systems , Inc. ) I owe an amount due of {$480.00}. I am disputing the notice charge and requesting my deposit balance of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I used my Capital One Quicksilver card to pay for a hotel room in Indiana through my phone on Apple Pay. I went to XXXX to purchase some needed items, and when I tried to check out, my Quicksilver card was declined even though I had {$500.00} in credit. I called Capital One to figure out what happened with my account. I was told that they suspected fraud on my account after I used my card for a hotel room using XXXX XXXX, even though I've done this before with no issue. I asked then what's the reason and never given any, but I was told that I'd need to send in my drivers license and social security card. I never felt comfortable with this as I never needed it to get approved for the account. A month goes by and I call again to find out that I now need a bill with my name on it. I finally sent a copy of my drivers license, social security card, and a bank statement. After a week, I was told that sending in my bank statement wasn't good enough, even though that was what I was told over the phone, so I sent over my car registration. I get told this first week of XXXX, that now I need to send some residency information. This is too much, and I'm done with it. I don't need this much to even get a drivers license. As of today, XX/XX/XXXX, I still don't know why a fraud claim was put on my account, and the last representative told me that they can't tell me anything that's going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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:
I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and no name but account # 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 2018-06-05
Company: Second Round Limited Partnership, Austin, TX Branch
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:
XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a debt collector called XXXX XXXX in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX and XXXX. I have trying to Express my situation with XXXX and XXXX bu th they just wont listen and have now file a court case against me for a bill I already paid.

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 2020-02-09
Company: Delta Management Associates, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
For over 5 years now : This company is BULLYING me, my family, my friends, and my inlaws with phone calls using threats and profanity trying to find me to collect student loans that I am currently paying off to another company ( XXXX ).  XXXX XXXX is the person doing it. XXXX ext XXXX Tactics used : 1 ) Misinformation.

2 ) Bullying : harsh language, threats, profanity.

3 ) Giving my private information to others.

4 ) Harrassing non relevant people like my friends and in laws.

5 ) Harrassing my place of work asking for social security information, wages, and health issues.

6 ) Now they are threatening wage garninshment using a different company called XXXX, If I DID owe Delta money, why is XXXX being used for illegal wage garnishment? This is a scam.

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 2021-02-16
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: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX and XXXX  reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.

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 2022-01-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being XXXX from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was XXXX in XX/XX/2020.

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 2021-11-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had utilized the services of XXXX XXXX XXXX to satisfy my credit card debt. Last Thursday, when I was checking my credit report, it listed one account, XXXX XXXX ending XXXX XXXX as being delinquent even though we settled this account back in XX/XX/XXXX and a second account, XXXX XXXX XXXX account ending in XXXX as being derogatory even though this was settled back in 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 2020-12-20
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to contact PHH with no luck I am not sure what is going on with the forbearance in XXXX when I did not get any response, we sent the payment, and it was returned my son gave us money which I immediately put in the bank but the bank is saying it came in after the payment on the same day so they returned the check to PHH. At the time of doing all of this my family had XXXX, it was very difficult for us to get anything done with 7 of us sick. We were never notified of it by my bank nor a call from PHH. I went on the PHH webpage to see about the forbearance and that when I saw that the check bounced I right away paid online but they still reported us late I was under the impression that XXXX would be part of the forbearance. That is why I was asking for a forbearance plan we are a month behind we need help. I went on to XXXX XXXX it is showing that I am due for my next payment again we are just getting back on track. My family all 7 of us had the XXXX XXXX in XXXX plus I lost my job which is why I ask to start this in XXXX for 3 months, not XXXX, I ask them to please have a customer service rep call so I can understand what is going on. 
We are not 60 days late as you are reporting to the credit bureaus, we are due for XXXX, but it is not late we have up until the XXXX to get you the payment to PHH. We are not in collections. We just need some help like many Americans my husband is a XXXX veteran that was very sick with this horrible XXXX  again all 7 of us contracted the XXXX  and we short on the payment for XXXX, but I thought the forbearance started when I ask for it in XXXX. 
I have sent them numerous emails in XXXX and XXXX never got a response tried calling only to be discounted can not leave messages in mailboxes they are full. 
I finally received an email saying they are sorry that it took so long to get back to us and that we have the forbearance started does not say when it started. PHH and now you are reporting us late for XXXX and XXXX which should not be. How can they ignore all the emails that I sent asking for help really begging for help do you think homeowners like to beg for help. Right now because of PHH reporting us late it has affected us terribly we are sinking I feel PHH is treating me like a piece of dirt, I really was counting on PHH to help us I thought they would do the right thing and help homeowners not ignore them and ruin their credit. This is the second time PHH has not followed thru or help in 2019 they misapplied my payment and it took them 6 months to fix PHH needs to be looked Ocwen owners them and Ocwen has been banned from doing any mortgages in MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
l noticed 3 inquiries on my credit report .l dont recognize them XXXX XX/XX/XXXX Syncb XXXX XXXX XXXX th XXXX XXXX XXXX XX/XX/XXXX l found those 3 inquiries on mycresit reports l tried many to tell them l never applied for a credit card or a loan for over 2 years.

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 2021-07-16
Company: Army and Air Force Exchange Service
State: WI
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 have been disputing several accounts with XXXX XXXX, Military Star Card, and XXXX XXXX XXXX XXXX that are negatively reporting on my credit reports. 

I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via XXXX certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question. 

All request have gone ignored and not furnished from any of the companies in question. 
I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. 

As of today XX/XX/2021 I spoke with a XXXX representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.

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