BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Dovenmuehle Mortgage, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to start the loss mitigation process with the help of a housing counselor the beginning of XXXX. I submitted my application on the XXXX with the supporting documents. I soon received a response letter with a list of missing items needed to deem my application as complete on XX/XX/XXXX. They needed me to sign my previous year 's tax returns and resend them, a copy of my W2 for XXXX, to continue sending my bank statements until my file was deemed as complete, and a detailed letter explaining any non-payroll deposits totaling over {$500.00} showing on my bank account, and to keep sending in my current pay stubs until my filed was deemed as complete. I also was given a point of contact with the number and extension to reach her if I had any questions, or concerns with the loss mitigation process. 

After sending in the documentation, I soon received a follow up letter with additional items needed for my application to be deemed complete on XX/XX/XXXX. They needed me hand sign my hardship letter and re send it to them, and to send in the last 3 bank statements for the account showing on my most recent tax return. I had opened the account showing on my return only for tax refund purposes, and for that reason, I didn't have 3 months worth of statements at the time. I called multiple times trying to get a hold of my point of contact but the phone number that i was given didn't let me dial any type of extension. I called on my lunch breaks to try to get a hold of really anyone in the loss mitigation department just to be on hold for 30+ minutes to get sent to a voicemail stating that someone would be in contact within 48 hours. After leaving my information I still received no call backs. I submitted the bank statement I did have, and wrote with the document description that the account was only opened for refund purposes. The documentation for the application was marked as completed by someone, then quickly was marked incomplete again by my point of contact with an additional followup letter that was requesting the 3 months worth of statements again. 
I spent phone call after phone call on hold, trying different numbers founded on the lenders website, and talked to a couple different people who tried to put me in touch with the right person. I was finally able to get a hold of someone in the right department after waiting 45 minutes on hold. I explained my situation and he looked up my account, and told my the best thing to do would be to write a letter explaining the situation and upload it to my portal. 
I wrote the letter and submitted it on XX/XX/XXXX then someone had closed the request for assistance on the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to Barclay 's Bank ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
Barclays reported the account as delinquent on XX/XX/2022. 
I was not notified by Barclay 's Bank.

I do not have the " new '' account number or any other pertinent information to make payments with Barclay.

I became aware only when I received a credit monitoring alert stating that my XXXX score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on XX/XX/2022.

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 2019-11-21
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This mortgage has been sold by the mortgage companies several times over the 15 years I have had it. Most recently it has been sold to Specialized Loan Servicing. On the mortgage statement there is a charge of {$460.00} for " Past Due Amounts. '' I do not know what this is for. I have called SLS several times regarding these charges. I have been told various things ( " We will investigate and get back to you. '' They did not. " You need to write a letter because we can not address this by phone. '' ) After getting nowhere after several calls, I wrote a complaint to them. They responded in a letter dated XX/XX/XXXX, that the fees are legitimate. However, they can not tell me what the charges are for. In the letter SLS sent me they said, " You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference. '' However, the document they included only showed my monthly payments from XX/XX/XXXX through XX/XX/XXXX, and nowhere in that document did it detail the origin or purpose of the {$460.00} in Past Due Amounts. I am requesting that SLS remove this charge from the mortgage because I am attempting to refinance this mortgage but I can not while these charges remain pending.

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 2017-10-20
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH XXXX XXXX # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by XXXX XXXX but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to XXXX XXXX and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXXXXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXXXXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX BANK Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : 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 2022-05-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus all have false and or misleading information on my reports which is a direct violation of my rights, this is grounds for removal, my rights were violated under ; 15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXXXXXX XXXX XXXX XXXX XXXX mi, XXXX XXXX XXXX XXXX XXXX XXXX Four different variations of my name its only " XXXX XXXX '' this the only name with consent to be on my reports. 
Phone numbers XXXX, XXXX, XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as you can see multiple violations on behalf of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Accounts goin from open to close different balance different dates, movin account to open in closed repeatedly moving please Delete all closed inaccurate 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 2018-09-18
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
I have tried to get my free credit report from Experian and am unable. Their website directed me to a phone number. The automated phone number led me through a series of menus, but none of the options were related to getting a copy of my credit report!

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 2022-05-03
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX  XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
- $ 12 Monthly Maintenance Fee XX/XX/2021 - $ 12 Monthly Maintenance Fee XX/XX/2021 - $ 12 Monthly Maintenance Fee XX/XX/2021 When I noticed, I contacted Bank Of America to reverse the fees. Waited an hour, spoke to rep who declined the request. Asked to be transferred to manager. Waited another 15 minutes. Transferred to line that simply hung up after an hour of waiting. In the middle of the largest pandemic surge, banks rip off the poor and provide no service when its requested. XXXX is being done by the cfpb? Its amoral and unconscionable.

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 2023-04-13
Company: Sunlight Financial LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for Solar Panel and a Gas Generator to be install on My House.

This was more than 2 yrs ago. Total cost {$49000.00}. 
The Solar Panels was installed but the Gas generator was never installed.

They said it was on order and even gave me and upgrade. But it was never Installed. I reached out to see how much it would cost est. {$12.00} to XXXX. The installer ( XXXX XXXX ) took my good Credit and cash I was approved for, went and installed other solar panels with my Money. 
Telling SunLight Financial that the Job was Finish. But I've been paying for product I never received. I want so compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Afte numerous attempts to contact coinbase in regards to selling crypto currency due to restricted account coinbase will not respond to any help ticket, I have a family emergency and am trying to sell my crypto and send the funds to my bank, I am not able to do this, no responce at all for weeks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Accounts goin from open to close different balance different dates, movin account to open in closed repeatedly moving please Delete all closed inaccurate 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 2021-04-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Accounts goin from open to close different balance different dates, movin account to open in closed repeatedly moving please Delete all closed inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was already closed and paid off in XX/XX/2018. 

I called the company so that they would fix it, but the amount is still in my credit as if I haven't paid it yet.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: National Recoveries, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have tried several times to reach someone at this business. Today was the third time I've called and been hung up on. On XX/XX/2019, I was hung up on after a 7 minute wait. Today, XX/XX/2019, after a 12 minute hold, I was hung up on. On XX/XX/2019, I tried to call and get service. XXXX hung up on me at XXXX. She told me to call XXXX. I did. After a 30 minute wait, I was hung up on. On XX/XX/2019, after a 30 minute wait, XXXX hung up on me. Last week, I called and I got a name, XXXX XXXX, ext XXXX, so I could specifically ask for her. But when I ask, I get hung up on. I tried to call and confirm that they received my paperwork. This is absolutely ridiculous. It's like a second job trying to get this resolved with this company. 11 min again.

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 2021-07-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are several collection accounts on all 3 of my credit reports that are fraudulent and a result of identity theft. I've disputed these accounts multiple times but they have yet to all come off my reports. Can someone please help me get these collection accounts that are not mine off as they are hurting my credit? My wallet was stolen on the city bus about a month before the date on the 1st of these collection accounts. I '' m assuming that these accounts are from whoever stole my wallet and has my identification. These accounts are all from Wakefield & Associates and they are all for several thousands of dollars. I really need help removing these accounts and I'm not sure what else I can do because I've already reached out to both the creditor and all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: SET Financial Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Set financial continues to call my husband after I have told them to stop contacting him. He is not a personal reference or a number that I listed on my account information with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
a family gave me a {$1000.00} check for my birthday I cashed it on XXXX XXXX and the bank froze my account, my account says I have a total of {$860.00} now after maintenance fees have been payed every month sinceXX/XX/XXXX but my account is still locked and I cant purchase anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My other complaint was closed. The problem was never resolved. I started this loan modification back in XXXX of XXXX. Everytime I fax paperwork something is missing, I refax it and they say something else is missing. I spoke with the relationship manager and while on the phone I faxed what he said was missing. Call back a week later the same stuff is still missing fax it again. Other documents are missing. Files a complaint with cfpb they got the companies response and they stated documents were missing. At the end of the last complaint I faxed the papers they mailed and said was missing on XX/XX/2022 and still nothing. This has been going on for 5 months now for a loan modification. This company has been sued my numerous states for mortgage mishandling. And I can't get anywhere with them. My only step is a lawyer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX sent a letter of disputing a charged off code on my credit report for XXXX and equifax since XX/XX/XXXX. XXXX and equifax has not removed or delete XXXX  XXXX account this account is closed and paid as agree

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank ( Belk Credit Card ) Decreased my limit in XX/XX/20181100 to 800. Then XX/XX/2018from {$800.00} to {$240.00}. I was making on time payments every month. This lowered my FICO score tremendously. When I applied for the credit card initially I didn't have any credit at all and was approved immediately for {$1100.00}. I have contact them and spoken with Synchrony over the phone. The issue wasn't solved. I have a credit limit with them now for {$240.00}. I applied for a credit increase however I was denied. I wanted the balance increased so my FICO can go back up.

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