BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NEW Rez, LLC took over the mortgage from XXXX XXXX on XX/XX/XXXX of XXXX. During this time I've left multiple messages and attempted to contact the comany multple times. I was never able to connect with an actual associate until the week of XX/XX/XXXX. During this week I contacted three separate associates and was told each time that a " complaint '' was submitted and that an associate would be in contact with me for a resolution. This never occurred. On XX/XX/XXXX I was on hold for nearly an hour and bounced between multiple associates but never to the correct department. During this time, for each new associate, I was asked the exact same questions and then transferred. Each associate said that a complaint was filed, however, upon transfer found that nothing was included. This company had an email address on file that I have not used since I was XXXX years old ( I'm now XXXX ) and acted like it was given to them by me ( it wasn't ). 

The only thing that I need is to be able to log in and view my account details. I have the previous company telling me that I owe XXXX and New Rez saying I owe XXXX. I want to log in to the account and determine which informaiton is accurate. I also need to view my tax informaiton as NEITHER company sent this information to me and it's preventing me from filing for XXXX. Lastly, I need to verify that the escrow information is current and look over the taxes assessed for the upcoming year as the area was increased by 10 %. Without being able to view this information I'm not able to determine the new monthly rate that the mortgage with escrow would be. 

This company is exceedingly difficult to work with and unprofessional to see the very least. It's not a huge request for the information provided to be accurate and funcitonal. Before assuming this volume of work they should have been prepared to actually service these loans well and have their website information accurate, functional and accessible. 

Also - the phone number listed at the top of their webpage? That's a XXXX conference line. Apparently they need IT folks or to hire a company that knows what they are doing in web design and functionality!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/XXXX my ex spouse while I was XXXX defaulted on a mortgage of the home I won in a divorce. Unaware of the factor when I returned from XXXX, the bank ( Fay Servicing ) refuse to give me information without his consent. After several months going back and forth finally i was given access to the account. I went before a judge on XX/XX/XXXX with an attorney that pleaded for me to be given a chance to conduct a modification. The Modification process was started I was suppose to be given 30-45 days to complete and get a written answer. Fay Servicing only after 14 days denied my Modification given me no written response. Only a verbal denial from a XXXX XXXX who was assigned to my case. There was never a fair chance. now moving forward they have forced me and family to be evicted from the home. They refuse to allow me to buy the home back or even respond to any messages in trying to obtain a newly written loan with them to keep my home. 

New evidence is that the home had black mold infested in the walls. Which resulted in health matters for me and XXXX children. I have reached out to Fay Servicing they seem to never return phone calls and you can not even get through on the main line that I am using XXXX. I feel as a XXXX for my country, mother, and customer I was not given a fair chance or even compensated for all the legal fees and turmoil that has impaired my ability to keep shelter for me and my children. I even pleaded with the banks to allow me to purchase the house back offering money before it got to this point. I have paid over {$6000.00} to various entities including one bank to conduct a modification that was deemed the trustee under Fay Servicing. This injustice needs to be stop and investigated and corrected due to this business not conducting their foreclosures properly or given the consumers the ability to regain control after a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNT LISTED TRANSACTION WAS NOT DONE BY MYSELF. 

PLEASE DELETE IMMEDIATELY.

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 2022-09-13
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Credit Corp Solutions 3 to 4 times for them to stop calling me at work and I keep getting phones calls. I have asked them to stop calling me all together until they send me proof of the debt they are calling me about and I have et to receive this. I have sent a complaint 3 to 4 times to stop calling me at work and to stop calling me and have taken a screen shot of every time I have sent it. I asked them multiple times for them to send send me proof of my debt and they still have not sent me no proof of the debt they are harassing me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for 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 non-monetary relief
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In mid XXXX XXXX, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNT LISTED TRANSACTION WAS NOT DONE BY MYSELF. 

PLEASE DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Santander Consumer USA Holdings 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:
XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX XXXX, end date XXXX XXXX. 
At the time there were two accounts with Chrysler Capital. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to Chrysler Capital to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in XXXX and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. Chrysler Capital is damaging his credit score yo a place that he is struggling, a XXXX XXXX and retired cop! 
At present CHrysler CApital is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

Chrysler Capital has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear CFPB Staff : I would like to remind you of a fact you are already well aware of : the collection agencies are arrogant, refuse to follow the law and they respect no authority. They feel they are above the law despite paying out millions in fines and court-costs. 

This is my story about how dirty the collection agencies are. 

On XX/XX/XXXX, I disputed, via Certified-Mail with Return Receipt, a XXXX account in the amount of {$180.00} with XXXX XXXX XXXX, XXXX, of XXXX, XXXX. I have proof, via the tracking number and the signed returned receipt, that XXXX XXXX received my communication on XX/XX/XXXX. I did not receive any response from them, and in about 3 weeks or so the derogatory was gone from my credit report. I was, of course, very elated. 

Here comes the bad part, at least to me. About a week ago I saw, with great shock, the same XXXX collection account appear on my XXXX credit report under a different collection agency name. Then about 2 days ago it appeared on my XXXX credit report too. The new collection agency is : XXXX XXXX : XXXX, based in XXXX, XXXX. Can you believe that? How dare they do this? This is a blatant and flagrant violation of the FCRA and FDCPA. Since the original collection agency could not collect on the 'fake ' debt they sold it to another collection agency. This new collection agency, XXXX XXXX, lied by stating that the last activity was XX/XX/XXXX. This is a blatant lie. 

I am kindly requesting you, the Consumer Financial Protection Bureau to help me in this matter. Tell them sternly that both the above collection agencies broke the law by their actions. Please order XXXX XXXX to delete the derogatory account from my XXXX and XXXX  credit reports immediately. Show them some teeth and some authority. Let them know who is charge here. You are the federal agency ; you wield plenty of power. You know how dirty and unethical these collection agencies are. The people running collection agencies have no heart or compassion. They are quite XXXX people you know. 

I thank you, CFPB, in advance your time and effort in this matter. 

I remain.

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 2020-02-28
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I use a bill payment from XXXX  XXXX XXXX on line bank app, to make payments on my monthly mortgage payment. 
Since XX/XX/XXXX i never miss one single payment, but back in XX/XX/XXXX, i made a mistake of instead order a payment of {$2700.00}, i orded {$2700.00}. ( So {$70.00} short ) As soon i got know what happen with my mortgage payment, i made a payment of what was missed and called the mortgage company to explain what happened and to tell them i had fix the problem because was a personal mistake and not a short money to pay the morgage, since was less the 3 % of the total amount short and there is not sence to pay {$2700.00} and not pay {$2700.00}. 
The company said was fine but 3 day later they report to the Credit bureal miss payment. 
This report make my credit score drop 130 points. 
From XXXX to XXXX. 
I said email to the customer service to try fix my credit score but they return me a answer they couldn't fix because " contractual obligation to make a full monthly payment on the first of each month ''. 
So they don't considerate the fact i had paid around 97 % of my payment. 
I feel this company FREEDOM MORTGAGE has not loyaut to the customer.

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 2022-09-13
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
A personal loan was made in XX/XX/2022. All the loan documentation can only be viewed in the account online. 
Marcus has failed, denied or refused to provide the necessary information to access the online account to view the account information.

We have contacted Marcus by phone nearly once a week for the last nine months to provide a solution. Marcus always states that the technical department is looking at the problem.

All payments to Marcus have been on time, automatically deducted from our bank.

We want Marcus to do something to fix the problem. They refuse or fail to do anything.

We want access to our account to make sure the loan is being processed correctly.

We need answers. Marcus appears to do nothing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of XXXX, I received an offer after completing a NON-member ATM withdrawal ( I still have the receipt with the offer on it ). The offer states : " Open a new checking account with minimum opening deposit of {$25.00} by XX/XX/XXXX. Within 150 days of account opening, receive a total of {$2000.00} or more each month in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. '' The offer was for {$300.00} bonus deposited " within 45 days of completing the requirements of this offer. '' I opened the account with the {$25.00} deposit on or about XX/XX/XXXX. While awaiting my payroll company to process and approve the direct deposit, I ALSO deposited some funds via ATM to make sure the account stayed above {$0.00}. 
My direct deposit began on XX/XX/XXXX, ( well withing the 150 days of opening ) and for three consecutive months, at over $ 4000 monthly, I continued to receive these direct deposits. The third consecutive month, would have been XX/XX/XXXX. 45 days later, would have been, the XXXX of XXXX. 
The first calls I made to Wells Fargo, was in XXXX, simply to inquire about HOW to ensure I had opened the correct account and that the promotion was ready. There were no objections, though everyone would tell me that once the requirements are met, it is automatic. On the XXXX of XXXX, ( well after my requirements would have been met ) I spoke with " Dermesh '' simply confirming I WILL be receiving the bonus. He said it would need to be sent to another department, and i received a number : XXXX and was told i would get a reply within 10 days. After waiting with no responses, i called again today, XX/XX/XXXX and spoke with " XXXX '' whom confirmed the conversation, and confirmed i did make the required deposits, and began investigating why no funding was received. When she got back on, the story changed to " you didn't make three consecutive deposits, you missed XXXX. '' My understanding was, and still is, that i had the 150 days as indicated on the promotional offer, to make 3 consecutive monthly deposits. It does not say 3 IMMEDIATE months, rather, WITHIN 150 DAYS. Not only did i start this within the 150 days, i also completed the last deposit within 150 days. Now, no one can even tell me what the 150 days represents, given three consecutive months is only 90 days. This reaffirms that for two months into the promotion, you can make no payments, and still end up with three consecutive deposits within the 150 days. I was sent to file a complaint with " XXXX '', and have no impression that my case will even be heard. simply, a complaint at this time. My complaint number is : 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 2020-02-28
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed my Chase Bank account had been used for several unauthorized atm transactions. I called chase and made a claim. Chase reimbursed my money. 2 weeks later chase takes the money back saying they have denied my claim. I call chase several times roughly 15 times to find a resolution. I was informed someone use my card and pin for withdrawn roughly 6-700 . Chase is asking me to prove it was not me which is basically impossible. I've never used an atm 6 times in a row. I've never been to this location. I'm a 10 year XXXX veteran currently on vacation out of country with severe XXXX. This is really stressing me out please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN

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 2017-06-12
Company: Experian Information Solutions Inc.
State: NJ
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 continue to get inquires for credit I did not make.

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 2021-09-01
Company: Coastal Finance Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
COASTAL FIN CO INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX OVER_120_DAYS_PAST_DUE Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX COASTAL FIN CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with coastal. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation