BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX  -- Applied for and was approved for forbearance while I 'm in a   XXXX   XXXX    XX/XX/XXXX  -- Received request for payments. When asked why this would be, was told, " There 's a new form now. Th e one  you filled out is the old form. '' No one could give me an explanation about why that 'new form ' was n't available when I applied for forbearance, or why they had accepted my forbearance with a supposedly-out-of-date form. I was out of the country at the time, so they put me in a temporary forbearance until I could officially re-apply.      XX/XX/XXXX  -- Re-submitted my forbearance paperwork, was approved.      XX/XX/XXXX  -- Received requests for payments. When asked how this could be, was told that my forbearance had only been approved through  XX/XX/XXXX . No explanation provided about how I could have been approved for forbearance AF TER the supposed end-date of said forbearance. Again re- submitted my paperwork, received no response.      XX/XX/XXXX  -- Received request for payments. Re-faxed my paperwork and tried to submit my paperwork online as well. Received an error message from the online system with no clear explanation of the error. Could find only  one e mail address for the company online so emailed a fresh set of paperwork and a screenshot of the error message I received online to that email so I could have written documentation of the issues I 've been having. Received a response that my email had been received, but no other communications.      XX/XX/XXXX  -  XX/XX/XXXX  -- Still receiving requests for payments.      XX/XX/XXXX  -- Finally have a chance to call Navient ( I wor k 80+ hrs/wk ). I  tell the representative my story. She says that the paperwork in  XX/XX/XXXX  had the dates of "  XX/XX/XXXX  -  XX/XX/XXXX  '' written on them. She tells me she can not produce those documents for me so I can see them. She refuses to look at the paperwork from  XX/XX/XXXX  which had been correct and accepted originally and in my opinion should be the working document. When asked for a specific *human* contact at the company with whom I can communicate, email my documents, etc so I can finally put this issue to rest, she says that 's impossible. I ask to speak with her supervisor ; I get put on hold then hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX I deposited a personnal check from my son for {$70000.00} drawn on his XXXX XXXX account. He had funds in his account from a recent sale of a previous home. Two days later, he mentioned that the funds were debited from his account. I deposited the check with Truist bank in XXXX GA, his bank being XXXX XXXX in same XXXX XXXX On XX/XX/XXXX XXXX XXXX I received an email from Truist that the total funds exceeded {$5500.00} and the balance would not be made available until XX/XX/. After several calls to Customer Service at Truist Bank during the time of XX/XX/XXXX thru XX/XX/, the only response I received was, " I'm sorry '' and " Do you want to speak to a supervisor? ". On the first call I did speak to a supervisor who gave me no answers to my questions, Why does it take so long to clear the check? and what is the process that takes 10 days, when the funds have already been debited from my son 's account at 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 2023-10-27
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This year I attempted to pay my debt owed with a reduced amount offered by a debt collection agency. I paid on XX/XX/ an amount of {$420.00}. months have gone by and I see my debt is still on my credit. The Email receipt as well has another name that's not mine, It says XXXX XXXX. I dismissed this as a mistake in the past. When I call the company they can't find my account which does not make since I accessed my account through the online platform with my social and the last 4 digits of the account I owed. They said they would return the amount paid because it seems it went to another account but that has not happened yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a 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.

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 2017-05-17
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please initiate an investigation of Ocwen Loan Servicing for fraudulent activities for the following reasons : Ocwen has violated two legal binding contracts, in the State of NY without authorization or consent from the parties to the contracts : ( 1 ) XXXX/XXXX Dept. of Environmental Protection [ signed XX/XX/XXXX ] ; ( 2 ) XXXX/XXXX Dept. of Finance [ signed XX/XX/XXXX ].
Ocwen has illegally initiated loans and then attached them to my mortgage payments without my authorization.
Ocwen has failed to provide any agreement ( s ) that I have signed with them agreeing to such loans.
Ocwen has failed to provide any prior notice ( s ) of its intention to provide such loans before initiating distribution to a 3rd party.
Ocwen did not provide me, the consumer, an option to accept or reject said loans.
Ocwen has failed to provide a copy of a signed application from me for such loans.
Ocwen has failed to provide or quote the New York State Law or Statue that allows it to provide loans to a consumer of which the consumer has no part in negotiating.
Ocwen has refused to reverse its illegal action after several requests.
Yours faithfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not received an answer to my Qualified Written Request that I sent to both Ocwen Mortgage, PHH and Litton Loans. Even though this complaint is for Litton  all of these companies have asked me to pay them for my second. 
I've asked all of them several times who is the secured party that they sought to receive payment for. I do not believe I owe anyone who has contacted me thus far, so I have answered no to have I missed a payment. 

I have attached my last QWR in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX ) DEPT OF ED/XXXX  XXXX Balance : - ( XXXX XXXX  ) DEPT OF ED/XXXX XXXX Balance : - ( XXXX XXXX ) DEPT OF ED/XXXX  XXXX Balance : -

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 2023-04-30
Company: Early Warning Services, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text message this afternoon XX/XX/2023 around XXXX from what I thought was my bank that someone was trying to Zelle {$3500.00} from my account. Not to long after that I received a call from who I thought was my bank and spoke with a guy that told me he was from XXXX XXXX and told me if I knew a XXXX XXXX of course I said no and he told me I must Zelle myself money because my account was hacked and he sent me code. I honestly thought the call was genuine cause he seemed like he was trying to help me I had no idea I was being scammed. I only had XXXX in my checking so I then had to make another Zelle transfer of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit reporting 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 to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a installment contract where they stated that this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA

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 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In  XXXX    XXXX  , I received an e-mail notification from Bank of America that my account had been frozen. When I contacted them, they told me I had to speak to the law firm who put the restraint on my account. I contacted them and they told me they had a judgment against me, but I didnt know anything about it.     I went to a free clinic at the court and they looked up the case, but there was no judgment. They referred me to an attorney. The attorney told me that under state law, the bank has to send me forms asking if there is any income in the account that is exempt from collection when they are asked to restrain the account. The Bank never sent me this form, and some of the money in the account is exempt under state law. My attorney contacted the law firm and found out that there was a judgment against me in a different case, and when we checked the court file, we found out that the reason I didnt know about the case was because they had served me at the wrong address. My attorney is asking the court to vacate the default judgment, but because that can take a while, she also contacted the Bank and the creditors law firm to ask them to release my exempt funds from my account.     The bank refused to speak to her and said that they would only speak to her if I was on the line with her every time she called to give them authorization to speak to me, even though I had already given my attorney written authorization. I have  XXXX  and have been undergoing  XXXX  treatment for my neck. It leaves me very tired and affects my ability to speak. I had saved up the money in my account to live on while I was getting treatment, since I would not be able to work because it makes me weak.     Although they would not speak to my lawyer about my specific problem, they told her that they always send out exemption forms and if a customer calls them and says they did not receive it, they send it out again. The bank has my correct address, so if they mailed it to me, I should have gotten it. Because the bank refused to speak to her, the attorney sent them a letter with a copy of a retainer from me and explained to them that they had not complied with state law and that they needed to send me the exemption form and to release the funds that are automatically exempt under state law.     The bank still has not sent me an exemption form and they still have not released the money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
Equifax seems to have me on some sort of blacklist. 
I can not log in to Equifax.com or request a free annual credit report. Logging onto the site gives the error message " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' It has been this way for months. 
When I purchased a 3-agency report from XXXX, it could not be completed because Equifax refused to provide information on me, claiming that Equifax has no record of my credit history or has different personal details for me on file. Since Equifax won't provide me with a report, I can not check or correct my personal details. 
On XX/XX/2023, I sent a written request to Equifax to correct the error and my personal details. I included a copy of the error message and copies of documents to prove my identity and current address. They ignored my request and did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: AFNI INC.
State: UT
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 installed  a SPAM blocker due to this company. They get past the blocked number and leave a message every time. Short message, This is from a debt collector please call this number. I call the number they say I do not have an account. They say my number is not in their system and they will notify the correct department to stop the calls. I have called them at least 10 times to stop the calls. I have a recording of one of the ca lls.   They identify themselves as AFNI collections, caller ID " Debt Collector ''. I think they are selling my number because after i called them i received more calls from others.   Do not answer or return their call!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I had attempts to open a credit card for numerous banks and retailers from XX/XX/XXXX to the XXXX of XX/XX/2023. The companies are Capital One, XXXX which is a bank, XXXX XXXX, XXXX Bank and XXXX XXXX I never reached out to any of these companies nor banks about opening an account or any type of service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It 's over th e 7 yr sta tue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I  call I con tinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 mo re yrs t

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