BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services ( carringtonms.com ) is defrauding consumers by not allowing any additional principal or escrow payments on my mortgage account. I contacted them via phone twice ( once in XXXX XXXX and once in XXXX XXXX ) and was given differing stories about why I could not pay additional principal-I was told once that there was an issue with the website and once that because my mortgage was newly purchased from XXXX that processing was still taking place and that I would be able to make additiol payments the following month ( XXXX XXXX XXXX. This did not happen. I sent and email on XXXX XXXX, XXXX and lo and behold I was able to pay additional principal in XXXX XXXX. In XXXX, it went back to no additional payments and again in XXXX, and now for my XXXX payment again. I know that additional principal payments decreases the amount of profit for the company for the mortgage and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I purchased a car on XXXX XXXX, 2014 from XXXX XXXX in XXXX, IL. I received a contract and drove off with the car that day. On XXXX XXXX, and XXXX XXXX, XXXX decided to run my credit report again to the same finance companies creating a total of XXXX inquiries on my credit report, since I bought the car on XXXX XXXX, 2014. I never gave permission for XXXX to run my credit again and for what. When I explained this to the credit bureau, XXXX XXXX, XXXX, and Experian, they informed me that hard inquiries ca n't be removed, because they were done by the consumer or credit holder. I was very upset, because I never authorized or give permission to those finance companies or XXXX to run my credit on XXXX XXXX, or XXXX XXXX, 2014. My credit score has dropped over XXXX points because of this. When I told XXXX, they said well we were trying to find a different 'finance company, if XXXX XXXX had approved me. I asked them to have it removed in XXXX, but they said I needed to dispute it with the credit bureau. Now I 'm back to here. I ca n't dispute it with the credit bureau, because they wo n't let me. They state that it is a hard inquiry so I ca n't dispute it. Can you please investigate? In the Experian report on pages XXXX shows the inquirees. Please notice the dates for XXXX, 2014 and the multiple inquiries. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Capitol one is reporting a bank account ending in XXXX that was opened fraudulent in my name. I have told this to capitol one back in XXXX and have since received no result. This account is reporting to XXXX XXXX XXXX  which is affecting my personal bank accounts and this should be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I asked if I could get the debt validated and the customer service representative refused. Told me that this was my debt and it was my phone number. She stated that it was ashame that I took so long to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XXXX XXXX, 2017 I took a personal loan for XXXX from Heights Financial. I closed the loan and questioned why they were making me sign for credit insurance and an auto reward membership. I asked twice why I had to get these and it was explained that this was part of the loan. I signed the papers brought them home and in further review see I was charged {$530.00} for insurance premuims and {$240.00} for some XXXX XXXX XXXX. I called and asked why this was on my loan on XX/XX/XXXX and was told well you signed it so nothing you can do. If you dont want us pay us off. This is shaddy unacceptable business.

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 2020-05-03
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for unemployment the beginning of XXXX. I had to get the debit card they offered because they wouldn't accept my routing number for my bank account. The unemployment was approved and it says 3 payments have been put on the debit card but I still haven't received the card. 

I've called Way2go several times and waited on hold for a total of 10 hours only to have someone answer the phone and then hang up on me. I can't report the card lost or stolen because I never received it and set it up. Way2go requires a pin number for the card to report it lost and I don't have one set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The student loan was initiated in XXXX separate years XXXX & XXXX Repayment started in XXXX Their are XXXX separate loans, same account number.. Problem.. Company constantly applies both payments to XXXX loan.. another XXXX school loan taken out in XX/XX/XXXX..different amount : same account number.. Payments of initial loan, often is applied to later loan.. @ XXXX loans paid monthly by check : third loan paid for on line ... Results of this? .. referral to collection agencies, letters ( XXXX in XXXX alone ) .. drop in credit score. Have attempted to correct problem Numerous times ( @ XXXX, yes XXXX ) with ZERO success

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX TN, XXXX XXXX Account number # XXXX No contract or no signature

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 2020-04-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During these times I went out to PHH Mortgage to see about a forbearance on our loan. The plan they have is criminal. Yes, they let you slide on 3 months payments but then at the end of the forbearance period ( 90days ) they want it paid back IN FULL along with a regular payment ... basically 4 months payments at once! WOW, if one could accumulate 90 days of mortgage then why would I need a forbearance? What should be done is to just add the 3 payments/months to the end of the loan. This plan they present is not a help but nothing more than what a loan shark would do. This needs to be stopped. It is a recipe for them to foreclose on the loan. No one who is having trouble could make that huge payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I dispute this being on mycredit report, due to I wasmiss lead at the time thishappen. They lied to meand have treated meunfairly ever since. I triedto make payments andthey were charging memore interest than Icould pay. In 2011 I fileda complaint with XXXX XXXX Complaint # XXXX. Please removethis from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Kriya Capital, LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I disputed a collection account with Credence Resource Management that I had no knowledge of and this account was deleted from my credit report. On XX/XX/XXXX, with no written knowledge to me, this account was added back to my credit report in the amount of XXXX. Credence Resource Management is reporting that this account was opened XX/XX/XXXX which is absolutely untrue and they are trying to collect on behalf of XXXX ( whom I have never had an account with ). This is unfair and deceptive and my credit score dropped 49 points as a result of this company 's unfair credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuse to delete the item from our credit report despite many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the first delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX. I am attaching a credit report from TransUnion dated XXXX XXXX XXXX in which they list the XXXX late payments made in XXXX XXXX and XXXX, XXXX, XXXX XXXX. I am also attaching a follow up credit report dated XXXX XXXX in which they suddenly make the XXXX and XXXX delinquencies " disappear '' and use the XXXX delinquency as our seven year date. I am also attaching paperwork that proves our payment history as well as XXXX and XXXX sending us default notices in XXXX and XXXX of XXXX. I am also attaching a copy of the paperwork I most recently filed with Transunion disputing this issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck on Friday XX/XX/2021 at an ATM in XXXX, AL. I previously confirmed with Wells Fargo that my money would be available the following day. My ATM receipt also states my deposit would be available on XX/XX/2021. The following day I get an e-mail stating that my funds were being held until XX/XX/2021. I called Wells Fargo to see what the problem was and was told to refer to the maker of the check. I called my employer on Monday XX/XX/2021 and told them the problem. We called my employers bank, XXXX  XXXX XXXX, and was told the money was released to Wells Fargo when requested on Friday. I called WF back and was told I needed to go into a branch and the hold would be lifted. I went into a branch and was told it was a fraud hold on my account and they couldn't do anything about it. I called the fraud department and was told they have nothing to do with this hold. At this point my money has been stolen by Wells Fargo and I will be filing police reports.

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 2021-11-26
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
The incident involves the crypto.com exchange and occurred on XXXX at what I show to be XXXX am PST. on the application I was going through some of my holdings checking various prices to be able to sell off some to make a purchase I needed for work. I come to a currency called XXXX XXXX ( XXXX ) that I purchased 600 dollars worth in early XXXX of 2021. As I looked up on the applications confirmation to sell screen it shows the exchange rate at .01 USD I SOLD XXXX XXXX because I thought I was going to reciever 1 cent per share like it shows me on the confirmation page. When I contacted the support team they took a very long time to get back to me and kept passing me around to someone else who didn't know what my issue was or at least pretended not to. I belive that's because they were doing their best to hide or change details of my transaction. About 5 days or so go by and I get their explanation. They try and tell me that the transaction I made was actually made 1 min earlier than the time of my screenshot and that o saw that price but did not press confirm ... ... ... no one in their right mind would not press confirm if they saw that price. They stated I sold off that very specific number then went back through the whole process and inputed the exact same amount of XXXX, pressed the sell button once to get to the confirm sell screen took a screenshot but didn't press confirm ... ... ... ..Why wouldn't I input my whole balance? Why would I make multiple transactions 1 min apart and pay extra fees to do so? The answer is I didn't. Their system malfunctioning is not my problem and im supposed to belive everything they tell me without verification and to belive their accuracy when they clearly had multiple issues on the accuracy of their application. They a XXXX so my wallet address is tied to them but they will not provide me any information for me to be able to verify the transaction on etherscan or any other block chain explorer. Unfortunately I downloaded my transaction history a few days later giving them time to alter it, it does not show any timestamp data. The truth is exactly that. I saw the price of 1 cent freaked out pressed some random numbers that wouldn't exceed the overall amount I had and pressed confirm. The price of crypto changes by the Second. They hold the price for an amount of time so that you can get the price they say on the confirm screen. I did not receive what they said I was going to ND consequently Sold off a long term hold that I will never be able to aquire for the price I obtained it for originally

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Lightning Fast Finance
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Today my husband XXXX XXXX, received a disturbing call from XXXX with XXXX XXXX. XXXX NY XXXX XXXX, Ext XXXX XXXXHe advised him he was calling re a debt incurred over XXXX years ago with Lightning Fast Finance . 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I WAS XXXX XX/XX/2015 ON A XXXX XXXX XXXX BY CENTRAL XXXX XXXX BECAUSE I WENT TO THEIR STATION ASKING FOR ASSISTANCE TO OBTAIN STATEMENTS. ACCOUNT WAS CLOSED XX/XX/2015. I DO NOT KNOW HOW MUCH WAS STOLEN BY SOMEONE USING THE SECOND DEBIT CARD. BUT THE BANK CAN TELL WHICH CARD WAS USED. THE PERSON WAS TAKING XXXX OR MORE PER DAY WHILE I ONLY TOOK LESS THEN XXXX AT ANY ONE TIME PLUS IT WAS ALWAYS AN ATM THAT WAS USED AND IN PLACES LIKE XXXX WHERE I HAVE NEVER BEEN TO. THE CHARGES WERE DISMISSED IN COURT AT A VERY HIGH COST TO ME. AND IT TOOK THE XXXX PD HELPING ME TO EVER EVEN GET THE STATEMENTS. ALSO WHY WOULD I BE XXXX IN XXXX XXXX WHEN MY STATEMENT ADDRESS WENT TO XXXX XXXX ADDRESS IN ANOTHER COUNTY IS BECAUSE A XXXX XXXX WAS ARRESTED IN IN THE CENTRAL XXXX JURISDICTIONAL AREA. I HAD TO BE TAKEN BY XXXX TO XXXX XXXX HOSPITAL FOR A XXXX XXXX AS I DID HAVE ANOTHER XXXX  XXXX. A MAN AROUND XXXX WHO WEARS GLASSES AT XXXX XXXX XXXX ASSISTED IN THE OBTAINING OF THE SECOND DEBIT CARD.

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 2015-06-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Experian regarding this matter On XXXX XXXX 2015, there response that was this information was verified

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Bread Financial Holdings, Inc.
State: MD
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened an account with Citi Bank ( Citi Priority Account ) ... promised {$700.00} Bonus ... .we met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !

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 2015-11-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX was servicing my mortgage and sold it to Carrington Mortgage Services. I was double charged on my first auto draft payment to them ( permission provided from XXXX ) and when speaking with the representative on the phone, acknowledged the charges but said there is no way to reach the department or anybody that can fix these issues other than through fax or hand written request and a delay of 3-15 business days upon receipt and verified proof of double payments posting. On top of this, I suggested skipping a payment the following month to avoid the hassle and was told that the next month 's payment would still be taken from me and I would be ahead of the payment cycle until the loan is paid in full. 26 years later. The double payment that was taken did not post the second amount to the principal balance and instead still applied both as full regular payments. To take double the payment when not allowing for a payment in excess of the amount due is one problem, and then not being able to easily refund the stolen funds is certainly another. Any assistance you can provide would be greatly appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation