BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I contacted a reality company about doing a short sale on our property. We signed with them to do the short sale process and submittal of all of the paperwork. The reality company said to not make any improvements or any future payments because we were trying to do a short sale. The bank took until XXXX to respond to our short sale offer of XXXX which is the appraised value of the house. We were offered a loan modification but opted out because we did not want to keep the house due to being 48 % upside down, low income housing filled the empty lots in our neighborhood, and we had a home invasion in XX/XX/XXXX and theft the day we moved out. Plus financially we could not afford to keep the house which is the hardship we claimed on the shot sale. We vacated the house in XX/XX/XXXX to aid in the house being shown and move in ready. The reason for the denial was my credit score was above XXXX and that is the only reason given. We listed the house immediately in XX/XX/XXXX We had XXXX showings, but no offers. Our realtor decided to try again for a short sale since all of the non payments on the house have reduced my credit score below the XXXX and my Wife lost her job on XX/XX/XXXX so that added to the hardship. We started the process on XX/XX/XXXX and we received a certified letter on XX/XX/XXXX from XXXX XXXX XXXX, XXXX for the acceleration of maturity and stating that the house will be auctioned off on XX/XX/XXXX for XXXX. According to the paperwork, the house went into foreclosure status on XX/XX/XXXX. This is the only notice that we received about the foreclosure status and the process even starting. All of the new financial information and a new short sale offer of XXXX was submitted on XX/XX/XXXX. On XX/XX/XXXX I was informed by my realtor that Carrington Mortgage informed her that nothing would stop the auction from taking place on XX/XX/XXXX except for catching up the payments. I believe that since I still have PMI, auctioning the house and claiming on the PMI is the only way for the bank to get all of their money and that is the reason for not accepting 2 fair short sale offers and accelerating the maturity of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
U.S. Bank representative choose to not honor the terms and conditions of a checking account promotion, saying that I do not qualify because I participated the promotion in XX/XX/XXXX. The published terms and conditions places no such restriction. The account was opened on XXXX XXXX. The terms and conditions states : " Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last six months, or received other U.S. Bank bonus offers in XX/XX/XXXX. '' After reviewing the published terms and conditions of the bonus, I asked 3 times to the status of my bonus and did not get an accurate response.

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent 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 2016-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I HAVE DISPUTED THIS ISSUE WITH EQUIFAX BEFORE AND THEY STILL LIST THIS INVALID ACCOUNT ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax will not remove a Paid Tax Lien from my credit report after numerous, Disputes with them, in the disputes i sent the information the County and State Sent me. I contacted the State of Ohio Attorney Generals office and they informed me that they have sent letters to expunge the Tax Lien From my record. XXXX, and XXXX have both removed the Trade Line. But Equifax continues to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My ex spouse 's address is showing on my credit report, and I have never lived there. He is likely trying to steal my identity. He just moved there, and I have been divorced & living away from him for years. Please delete this address and any connected activity from my credit report : XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/19 when mortgage application process began I was strongly encouraged by XXXX XXXX, RocketMortgage, Quicken Loans to pursue FHA vs conventional loan to refinance my home due to current promotion that required no appraisal fee, cash from borrower at closing and my interest rate would be 3.3 %. On XXXX I received loan estimate stating my rate would be 3.49 % with {$790.00} appraisal fee rolled into my closing without explanation or other communication. I was unable to reach my loan officer as he was apparently on vacation for XX/XX/19 to XXXX. I thought well its the holidays maybe there has been some miscommunication. On XXXX I complained via message on message board about no information received by me regarding closing. On XXXX I received closing disclosure stating my closing costs had gone up approximately XXXX with near that amount required in cash from me prior to closing. This company which has mesmerized with sloth like efficiency and has completely misrepresented the offer I was accepting without communication or explanation. I reached out by phone today and was told XXXX XXXX would return my call regarding my concerns and have not been contacted. XXXX XXXX, Rocket Mortgage, and Quicken Loans have behaved with extremely poor customer service, business practices and without ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2017 debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with XXXX ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( XXXX ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from XXXX on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call XXXX to resolve. I have called XXXX numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from ERC for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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: Account status incorrect

Complaint:
All credit bureaus are reporting accounts that are closed and still being seen on my credit report. I have contact these agencies due to fraud and identity theft cohesion to damage my consumer reports. However, all bureaus have not done their due diligence to thoroughly investigate closed accounts.

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 2017-05-01
Company: Centric Asset Management Inc
State: WI
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:
XXXX / XXXX /   17  Received a voicemail from centric asset  XXXX   XXXX , wanting my girlfriend 's bank account number. Talked to her, she had received the same call earlier. Caller would not give any information on the supposed debt until she gave out her information. Called back and told them not to call anymore. Received another call a few minutes later stating what was said in voicemail ( wanting bank account numb ers ).   We have never received any paperwork pertaining to this supposed debt. Quick   XXXX    search reveals a lot of scam calls from this number/business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have written three letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
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:
EXPERIAN IS NOT INVESTIGATING MY ISSUE THEY ARE CLOSING OUT MY COMPLAINTS IN ONE DAY OF RECEIVING IT STATING IT IS NOT ME XXXX XXXX FILING THESE COMPLAINTS! I WANT THIS MATTER FIXED ASAP! 
I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH STATES EMPLOYEES CREDIT UNION AND COMENITY WAYFAIR SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF

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 2020-08-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tried to refinance adjustable rate mortgage of my condo to 30 years fix. Decided to go with Wells Fargo due to already being their customer for 15 year. Initiated application by phone on XX/XX/2020. Paid XXXX dollars. Quickly submitted tons of requested material. On XX/XX/XXXX received e-mail with demand to take our condo from market. Decided against it. Was told only partial refund will be given back to my credit card. FEELING BEING CHEATED by WF. Was not properly informed about refinancing of property listed for sale, only at the end of the process that became an issue.

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 2022-01-26
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I have reached out to the creditors and collection companies to let them know that the accounts were fraudulent and not opened up by me and never got. response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have written to Experian on several occasions disputing the fact that listed below are incorrect. The credit bureau refused to respond or continues to state that they verified the debt. Without Verifiable Proof ( an original Consumer Contract with my Signature on it ) .The account are the items the credit bureau has refused to investigate XXXX FL 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 2020-08-07
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: Information belongs to someone else

Complaint:
I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$430.00} XXXX XXXX {$16000.00} XXXX XXXX {$27000.00} XXXX  XXXX  XXXX {$420.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Concentric Receivables Management, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Cocentric Recievables has been reporting a negative account that does not belong to me. I sent in a dispute to them and asked them to investigate this, and delete it from my credit file. They never responded. They also never changed the status of this account to " in dispute '' with the credit bureaus. This was almost 5 months ago! This is unprofessional and unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to login and get my free credit report and got the run around. 
Experian Denied me access. Said I already recieved one which is wrong. See attached file. 
Equifax stated " online delivery is unavailable '' which is a lie other wise why would the second window say " return to your report ''. Razzel dazzle. See XXXX attached screen captures. 
XXXX said " Credit report Unavailable '' for some reason. 
Tried to obtain reports on XXXX separate days so bogus excuses. 
Everything points to them trying to boost earning on my back. 
I obtained a report in 2012 but not now. 
All XXXX reporting agencies did not give me a report online. I have gotten one in 2012 but now they have made the system not give you a report and want me to pay them money. 
I am very unhappy with them and believe they should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Nothing in my complaint was addressed by Equifax, Merchants, and XXXX Merchants and XXXX must give me copies of the contracts between Merchants and XXXX, and between XXXX and XXXX. I do not take their word that they own the contracts. They must show proof by giving me a copy of the contracts. XXXX I totally disagree with any and all amounts shown. They must provide me with the contract between XXXX XXXX and XXXX Insurance, and the contract between XXXX and XXXX for each and every item on my credit report. I do not take the word of XXXX XXXX and XXXX for the contract amounts. I have NOT been given any legal proof that I owe these companies and these amounts. Any company can make up any dollar figure they want. This issue has not been addressed at all. This appears to be a complete farce on behalf of these companies, and Equifax requires no legal proof to add whatever the companies tell them to add, which is also a complete farce. Thank you for your assistance with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receive calls GLA Collection Company. It is for a party not living here. Latest tactic is to block us from hanging up. We have been getting the call daily. 

We are prepared to file aggravated harassment charge if appropriate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a Coinbase account with approximately {$62000.00} dollars in it. I have tried 35 times over the last 2 days to attach the front and back pictures of my Driver 's License as requested. They claim that the need arose due to AML rules. They already have my information from when I originally opened the account so this may be a delaying tactic. I have deposited funds and withdrawn funds up until Tuesday morning X/X/17. I have tried loading the documents approximately 10 times via my computer from scanned documents and approximately 25 times from my XXXX XXXX. I do n't believe the site is really working. The failure happens so fast that I bet their servers are clogged. Meanwhile I have lost the opportunity to withdraw funds costing me several hundred dollars. All they have are auto-bots for assistance and no live people. I sent them two e-mails but of course they claim they are being overwhelmed and we should expect a response in a few days. From what I have read on blogs this is a delaying tactic by them and they send form e-mails out as part of their delaying tactic. If they indeed believe they are a financial institution as they state then the State of CA. should investigate them. I have no confidence in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lexus Nexus Consumer Center, said that they can verify a Bankruptcy and have reported it to the credit reporting agencies. But can not provide the person name, address non phone number that verified information to be true from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: JPMORGAN CHASE & CO.
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:
I STOP BY BY A CHASE BANK > ASKING A BANKER THAT I WOULD LIKE TO BE REMOVED OFF MY WIFE 'S CHASE CREDIT CARDS AS AUTH. USER > IT EFFECTS MY UDR % FICO SCORE. CHASE SLATE : XXXX CHASE XXXX : XXXX CHASE XXXX : XXXX I AM JUST AN AUTH. USER ON HER CREDIT CARDS. SHE MAINTAINS GOOD STANDING ON ALL HER CREDIT CARDS. BUT FOR SOME REASON HER BALANCES ON HER CHASE CREDIT CARDS ARE EFFECTING MY FICO SCORE. HER FICO SCORE IS GOOD BUT FOR SOME REASON HER CHASE ACCTS ARE EFFECTING MY SCORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contact the company no response. 
{$300.00} Balance updated XX/XX/2020 XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation