BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a refi on XX/XX/2020. 

My previous servicer was supposed to issue my escrow refund check within 10 business days. 

I called in on the 12th business day ( Monday - XX/XX/2020 ) and found out they had not issued the check for my escrow refund ( the amount was about {$3000.00} ). I asked them to issue the check that day, they said they would. 

I asked them to overnight the check to me because they were late issuing the check and wanted to the money timely and securely. They refused. 

One Friday ( XX/XX/2020 ) I had not received the check. I called the servicer back and asked about the check. They told me had been issued and sent on Monday. 

I told them i had not received the check as of yet and that seemed odd ( 5 business days to receive a letter ). 

I asked them to cancel and reissue the check and send it overnight mail. The servicer refused. They said I had to wait 10 business days before they could cancel and reissue, and that when they did, they would not ( absolutely refused ) to send the check overnight or with a tracking number. 

The person that gave me this information was named XXXX ( agent # XXXX ), she claimed to be a manager - i asked to speak to manager twice and was first transfer ( after 15 min ) to a non-manager ( XXXX ), and then put back on hold to speak to a manager ( 15 min later ). 

After speaking to XXXX I asked to speak to a manager and was told they were not available but that I would get a call back. 

I have not received that call.

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 2021-09-08
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2021 I spoke with Agent XXXX ( exgXXXX ) in regards to fraudulent accounts XXXX, XXXX Funding, and XXXX asset Management who confirmed Equifax would be removing or deleting those account items from credit report within 24 to 48 hours. On XX/XX/2021 I spoke with XXXX agent ( XXXX  ) confirmation number XXXX and on XX/XX/2021 case number XXXX in regards to the these accounts that were initally deleted or removed and were placed back on my Equifax credit report after several disputes including a police report along with a notarized affidavit. As of today these accounts have re-aged or re-appeared back on my credit report after being blocked which has caused an unforturnated financial hardship in my applying for mortgage recently in which these accounts never should have been reporting on my credit file under sections 605b, 609, and 611 of the Fair Credit Reporting Act. I find these actions to be in clear violation of my consumer rights and is totally uncaccepatable. Also certified correspondence was received by Equifax on XXXX at XXXX tracking ( XXXX ) in regards to the fraud related accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted ShellPoint in writing and informed them that my mortgage payment amount was not correct and if they did not correct my mortgage payment amount for XXXX, I would not be able to pay the higher payment because of them setting up a escrow account for me in error because they say they paid taxes when I sent them proof that I paid my own real estate taxes. 

I have not heard anything from Shell Pointe to make the correction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Investigation took more than 30 days

Complaint:
Bank of America thinks they do not have to follow the FCRA or other state and federal laws. I sent many dispute letters and a CFPB complaint and they have still not gotten back to me in 30 days and STILL have not provided me anything I asked for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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 ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed  consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. XXXX sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My wife and I were working with VIP Mortgage in order to refinance our home when on XX/XX/XXXX they messaged us to request that I call Equifax to inquire why suddenly my credit score and credit history was no longer available. Equifax representative looked it up and said there was nothing on the file to prevent that, that a must be a problem on the mortgage side. Long story short every week Since XX/XX/XXXX and continuing thru today XX/XX/XXXX we have been trying to fix this problem. XXXX XXXX the suggestion that came to light is that maybe the fraud alert on my file is the problem preventing the mortgage company to pull my credit information. XX/XX/XXXX was the first available time to call Equifax during their hours. I spoke to 4 different representatives when finally the last person tried to remove this fraud alert ( supposedly ) This representative, named XXXX, was also bewildered as to why this was so difficult after attempting many things. His last comment was he had removed it and gave me a confirmation # XXXX and said it would take 24-48hrs for the removal. I have checked my file online and it is still active. THIS IS PREVENTING A MORTGAGE LOAN TO BE PROCESSED AND IT NEEDS TO BE RESOLVED!!. We have spoken to countless reps and have been hung up on when asked to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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: Account status incorrect

Complaint:
On account XXXX XXXX XXXX appearing on Equifax and other bureaus that includes at least XXXX, EQUIFAX AND OR XXXX depicted false information, it appears by removing information, so the account is inaccurate AND incomplete.The result made a 2008 fico XXXX score into a fico XXXX score.They have taken a paid collection and made it appear as an open current collection.COMPLETE PROOF IS ATTACHED. 
THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY AS IT IS AFFECTING CREDIT TRANSACTIONS IN THIS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sunrise Credit continues to call and harass my family about a debt owed by deceased family member for an XXXX account that was closed out over a year ago. We have made final payment as of XXXX and have already returned all equipment last year. They left something in our credit report without any prior communication and for at least 6 months made calls from a variety of spoofed numbers several times a day. 

Very poor communication and deceptive methods used to collect money.

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 2019-02-08
Company: Experian Information Solutions Inc.
State: TN
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:
identity theft XXXX XXXX XXXX opened XXXX with a balance of {$6200.00} is not her account XXXX Opened XXXX XXXX high balance {$2100.00} is not her account XXXX  XXXX   Opened XXXX XXXX high balance {$4500.00} is not her account XXXX  XXXX  Opened XXXX XXXX high balance {$1000.00} is not her account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX is not her account XXXX XXXX XXXX XXXX Opened XXXX high balance {$250.00} is not her account XXXX  XXXX  High balance {$870.00} Opened XXXX XXXX is not her account XXXX XXXX High balance {$260.00} opened XXXX XXXX is not her account CHAPTER-XXXX  Reference number XXXX discharged XXXX is not her account CREDIT PROTECTION High balance {$1000.00} Opened XXXX XXXX is not her accout The XXXX XXXX  High balance {$690.00} Opened XXXX XXXX is not her 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 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} ORIGINAL XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance payment of {$2000.00} was due on XX/XX/XXXX. I received a notice on XX/XX/XXXX dated XX/XX/XXXX from my insurance provider that a payment had not been received. I called the NewRez customer service department and was informed that the check was issued on XX/XX/XXXX, and probably wasnt mailed out until a few days later and probably just had not been processed yet. 
When I asked why it was issued so late I was informed that they did not have my insurance information on file. They purchased my loan back in XX/XX/XXXX and after checking with my insurance agent, I found out they did not change the policy holder information when they took over the loan. They waited until my payment was almost due to change the information on the policy, so it was due to their error that they did not have the insurance information needed to make the payment on time. 
I reached out to my agent and he said that he would keep an eye on my account and let me know when the payment was received. 

On XX/XX/XXXX I received an email from our agent that the payment still had not been received. I reached out to NewRez customer service again to see if the check had cleared so we could try and track the payment. I was informed that a stop payment had been put on the original check and that a second check was issued on XX/XX/XXXX. 

On XX/XX/XXXX I received another email from our agen that the payment still had not been received, so I reached out to NewRez once again. I was informed that the check had not cleared yet, but that they would keep watching it and if it hadnt cleared soon that they would put a stop payment on it and issue another check. I informed them that the payment is already 37 days late and I am at risk of having my insurance cancelled. I was told to just check back in a few days and see if the check had cleared. There didnt seem to be much concern that my insurance was at risk at the fault of NewRez. 

Shellpoint Mortgaging Servicing dba NewRez is the servicer of our mortgage loan, and it is their duty to make timely escrow disbursements under federal mortgage servicing law. This includes disbursing our homeowners insurance payment. They have failed to do this and now my insurance is at risk of being cancelled. If they are unable to get a check mailed then they need to wire the money directly, or make the payment in another manner to make sure that it is received by my insurance provider.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: VA
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:
Goal : Receive a balance refund from CITI COSTCO ANYWHERE VISA CARD for my negative balance of $ XXXX for which they are refusing to refund me. 

Background : On XXXX XXXX 2020 I booked a trip with XXXX for an - All-Inclusive stay in XXXX XXXX for my family of XXXX ; Departure was Sun XXXX and Return Fri XXXX Booking ID : XXXX ( XXXX ) There were 2 parts to the trip : 1. Hotel Reservation - For which I have received a full refund through the credit card company - About {$3000.00} 2. Flights with XXXX XXXX - About {$3000.00} - XXXX XXXX informed us that the flight were cancelled to XXXX and that if we wanted a refund we should contact XXXX. I tried to contact XXXX  and they said via voicemail and posted on their website that they are not responding to any call or request, and that everything needs to be handled with the credit card company. 

I have already paid for this balance so I want my money back. I have contacted via phone and chat CITI multiple times, they refuse to send me my refund, they keep saying that they have to work it with XXXX, so they are just sitting on my money that I paid, they are not paying it to XXXX and they refuse to refund me. 

For over 2 months now I am carrying a negative balance of over {$2900.00} because I paid my credit card balance months ago, have been fighting with CITI and they are evasive and non-responsive and keep denying my request.

This is a time of crisis, CITI is holding my funds for multiple months now, they don't pay me any interest on it and I can't invest it. And XXXX seems to have already indicated that they will not respond, they officially posted it on their website and will not answer the phone.

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 2019-02-08
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Four phone calls and a faxed letter requesting the payoff amount on the loan. Attempted to payoff balance online but it was rejected because it exceeded their " limit ''. Attached is a letter that was faxed requesting for the payoff amount. As of XX/XX/2019, still haven't received a payoff amount from them ( XXXX bank / Loancare )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I lived in XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. When I moved out, I was not sent a bill through paper mail or any other outlet. I was not notified that I could dispute the debt. I did not receive notification until my bill had been sent to collections without my knowledge and it was shown on my credit report. The bill was {$250.00} for carpet replacement and extensive trash removal. I tried contacting the apartment office through many outlets and received no response. I do not believe the debt belongs to me, I believe it belongs to the person who rented the other unit in the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After pulling my credit report, I found inquires that were not authorized : 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 Bank 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 explanation
Consumer complaint received 2018-10-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in foreclosure at the beginning of this process I hired an attorney with the intention of keeping my home. We were offered a favorable loan modification that would allow us to keep our home. The only issue is we were not informed of the offer until it was way too late to accept it. Once I learned this I immediately began trying to contact our loan servicing company : Ocwen Loan Servicing, LLC XXXX. XXXX XXXX XXXX, TX XXXX-XXXX XXXX XXXX ) XXXX I submitted all the loan modification paperwork including all documentation that was requested. I then called every few days to see the progress of the application. I was informed about a week later that the application was denied. Even though I tried explaining that we were offered a loan modification but that my prior attorney had not informed us until after the offer had expired. I was told to appeal which I did and the appeal was denied as well. We are now dangerously close to losing our home as the foreclosure proceeding are nearing the end. I then emailed the only executive email I could find. For the prior CEO of Ocwen hoping that someone at the executive offices would assist me XXXX XXXX XXXX I received an email back the next business day informing me that my point of contact would now be Specialized HRD Escalation Agent, XXXX XXXX ( XXXX ) XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX I have tried calling several times all with no response. PLEASE HELP MY FAMILY KEEP OUR HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 i purchased an airline ticket and when I received my Booking information, i noticed the Agent had an error. I immediately contacted the merchant and informed them of the error they had made. I also contacted the credit card company I used to purchase the airline ticket. 

It took seven months before the merchant ( XXXX ) to pay back my credit card. During that time period the Credit Card company keep sending me payment statements for a error the merchant had made. I contacted the Credit Card company ( Barclays ) XXXX XXXX credit card explaining the merchant must refund the credit card back, and that I should not be responsible for the error of the merchant. 

It took seven months before the merchant paid the amount in full. I contacted Barclays XXXX XXXX and ask them to remove the Fees and Interest rates that occurred on my account, due to an error the merchant made. I the customer should not be reliable to pay for the mistake of the merchant ( XXXX ). I request the late interest and fees be waive from my 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 monetary relief
Consumer complaint received 2018-03-01
Company: Crown Holdings, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to bomb my phone. Many times multiple calls in one day.

Company response to consumer: Closed with non-monetary relief