BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I told them that XXXX XXXX  is allowing criminals to steal from my checking account. They are making fradulent transactions. I also told them that I did not order this purchase, I told them them not to mail the purchase. Why was I mailed the purchase? I showed Citizensbank and Consumer Financial the emails, why did they renege on the refund? This was a duplicate purchase of {$170.00} on the same day. 

An item that I did not purchase for {$170.00}, on XX/XX/XXXX, was charged back to my account on XX/XX/XXXX. I told ( emailed ) XXXX XXXX and Citizensbank several times that I wanted to cancel this purchase on XX/XX/XXXX through XX/XX/XXXX, before the transaction posted to the account. Criminals hacking my phone number of XXXX XXXX XXXX refused to cancel the transaction. They told me that I had to let it post to the checking account. That comment did not make sense. There are several people copying my phone number so they wanted XXXX XXXX to deliver the package and ruin my checking account. I am so frustrated with people copying my phone number and talking to me over the phone. I can not make important calls to banks or creditors.Many of my relatives were XXXX this year and I rarely got to talk to them because criminals were intercepting the calls. 

XXXX XXXX instead delivered the package. After Citizensbank completed the, banking, transaction, anyway, I told XXXX XXXX XXXX to " please do not deliver the package,. " I was dealing with a financial hardship. A criminal pretending to be from XXXX even told me that he was not going to deliver the package They delivered the package anyway. Several criminals were lurking near my home during this time as my father was sick. The criminals must-have evaded my home, because several items were stolen during XXXX through XXXX. I was saddened and distraught. They took advantage of my father ' s home while he was ill. Recently, on XX/XX/XXXX, the purchase of {$170.00} was returned by Citizensbank. I keep trying to call XXXX  XXXX and Citizensbank, however, their are stalkers and criminals at XXXX, XXXX and some other people from XXXX or XXXX speaking countries, intercepting the calls, so that I am unable to speak with an authentic representative, from Citizensbank, to resolve the issue. I am not certain what is happening with my banking accounts, but, I believe that someone at XXXX, XXXX or XXXX is responsible for these crazy transactions that I am having now. Why they are harassing me? Why are they trying to ruin my life? Why are they stalking me? They might me be XXXX or have a mental problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: AES/PHEAA
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 am trying to remove the Fed Loan and XXXX XXXX listed on my credit reports. The Fed Loan was discharged and XXXX XXXX has several duplicates and it has aged out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no knowledge of this account this is fraudulent I haven't had a XXXX account in 10 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on PHH Mortgage website making a payment & at the bottom it stated " HAVING TROUBLE PAYING YOUR MORTGAGE? You may be eligible for a mortgage assistance program that helps reduce your payment. Learn More about your options or get started at our Homeowner Assistance partner 's website. '' Things were getting a little tight for me so I applied for financial assistance with PHH Mortgage Services back in XX/XX/XXXX. I was finally approved in XX/XX/XXXX with trial period payments for 4 months ending in XX/XX/XXXX. I made my payments faithfully but when my trial period was up, XXXX was not done with the final modification. I continued to make payments as I was told until the modification agreement was final. I received the final modification agreement in XX/XX/XXXX which included a balloon payment of {$17000.00}, {$41000.00} principal payment & an extended term of 480 months. That was more than I started with the original loan. I kindly declined the modification agreement terms on XX/XX/XXXX & asked could they refinance with different terms. But my trial period was over & it too late to try & find another mortgage company so in the meantime my credit was ruined. PHH Mortgage services called me demanding {$2000.00} of delinquent payments that I was behind on. I mailed {$660.00} check on XX/XX/XXXX & was told by the agent that they would not accept that payment. I couldn't afford to send them a payment of {$2000.00}. That was the reason why I contacted them in the first place was for financial assistance, not knowing I would destroy my credit & by me declining the offer ; didn't give me time to apply anywhere else. Each time they call, they are constantly saying I missed a payment, which I had not because my payments were automatically drafted before I entered the trial loan modification agreement. I paid faithfully for 15 years, on time payments. My credit score was XXXX at the time & now it has plummeted with a negative impact on my credit history. Not once did they inform me that if I decline the offer, that they would demand full payment nor was it indicated on the modification agreement. FAST FORWARD TO NOW : I was subsequently sent a notice with intent to foreclose. I had to contact my retirement company for a hardship withdrawal to pay the arrearage which was {$3300.00} which I paid on XX/XX/XXXX. My credit score suffered & I can not find another mortgage company to refinance due to my low credit score. Also I received a letter in the mail that XXXX would take over servicing for PHH Mortgage of my loan starting XX/XX/XXXX. This complaint is so the next person could be completely aware & informed when they enter a trial period with this company with intent to modify, that it would definitely ruin there credit & any means of refinancing if they are not in agreement with the modification terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a modification and I signed in XX/XX/XXXX. I had made a complaint before that they were reporting me late and they had put a note on my mortgage. When I spoke with them on a recorded line, In XX/XX/XXXX, the lady said it would in no way effect my report. I called the mortgage company. Nationstar Mortgage dba Mr. Cooper and they listened to the tapes and confirmed she said this and they would put it in dispute with the credit reporting department and they refused to remove it. I made a complaint to you, CFPB and it was removed finally. 
Now they have put the note back on the credit report and they have not reported my mortgage as paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I feel like they are doing this to harm my credit. 

When I first started the modification they said I couldn't get it because I wasn't behind on my bills. But they did offer to do a refinance for me. They wouldn't even transfer me to the modification department. I finally got through to them and they said I wasn't a candidate. I had to call Hud department and they helped. Even during this process they kept saying they didn't get my paperwork and would deny me. XXXX from Hud had to send in the paperwork for them to acknowledge it. Finally I got it and I haven't been late. I was never late I was just in " imminent danger '' of going into foreclosure an that is how I got the mortgage. 

I am asking the remove the negative comment and they start reporting all my payments every month in the past and continuing in the future. I know they report but they are doing this as a punishment. It does effect my score because it would help my credit if they reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am trying to remove the XXXX  XXXX and XXXX XXXX listed on my credit reports. The XXXX  XXXX was discharged and XXXX XXXX has several duplicates and it has aged out

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 2017-09-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against 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 2021-04-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX acct no.XXXXxxxxx and XXXX  XXXX acct no XXXX are closed accounts with XXXX  balance. Proof is attached of XXXX  's refusal to investigate, yet the proof shows the accounts are open and XXXX  also shows XXXX XXXX has a balance.There is no proof available to show the accounts are closed and paid to zero. 
The transactions closing and paying them to zero were conducted over the phone with a debit bankcard. 
XXXX claims this is a " duplicative dispute '', When has XXXX  ever investigated that the accounts were closed not open as experian depicts.And that the balances are XXXX  on closed accounts ... when has XXXX ever investigated that fact? 

XXXX  is merely calling it duplicative and frivolous under the FCRA because it is not profitable for XXXX  to do any dispute ever and they will try to get out of doing disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX I printed off a copy of my Experian credit report, through the annual credit report website. I have a collection account from XXXX XXXX XXXX already reporting on it for the amount of {$4200.00} XX/XX/XXXX, I get an alert from XXXX XXXX score of a new collection be reported on my credit report. I check and it is the same XXXX XXXX XXXX Account that was already reported on my credit report. Now being reported as a new account for the same {$4200.00} How are these clearing house allowed to do that? It is the same account. It is not new. It should not be allowed to be reported again. further damaging my score. How do i resolve this situation?

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 2020-07-05
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 noticed fraudulent information on my credit report and promptly disputed the accounts with Transunion. They only acted by updating the dates despite being notified that no such lease was ever entered and being asked to produce such. Company is not making good faith representations and violating FDCPA/FCRA. 

In my credit dispute I noted that the debt claimed to be in relation to a lease and stated that no such lease existed, explained I lived elsewhere with a friend and also signed a lease shortly into moving in with him, and I provided a copy of the real lease of where I lived at the time that the debt collector claimed I was in another property. Credit bureau Transunion did not do any real investigation and the debt collector did not produce any lease or contract and Transunion as of today, XX/XX/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 2018-09-25
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I set payment arrangements with debt collector for {$600.00}. ( have never missed on my arrangement ) I have been paying {$100.00} every two weeks. the last payment off {$100.00} was to be paid on Friday XX/XX/XXXX. Today it is listed as a collection on my credit report owning XXXX out of XXXX dollars. this is unfair practices. no reason, no notice or anything. I explained to the collector I did not want this on my credit and agreed to paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
GOLDMAN SACHS DID NOT SAY I CAN BUY TREASURY BILLS. 

MY QUESTION IS CAN I BUY TREASURY BILLS WITH MY ACCOUNT?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: AK
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 have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last XXXX : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX REMOVED.

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 2020-09-09
Company: EQUIFAX, INC.
State: OH
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:
See attached letter to Equifax. See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance can not be validated. See page 3, the balance shown is {$3000.00} while page 6 shows {$3700.00}. Which balance is due? No one knows. In addition, the lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from  XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. 
According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX applied for two refinance loans with Quicken loans. One on my primary residence and one on my investment property. I completed everything required of me by Quicken. I provided all my financials and documents requested. We had appraisals taken of both properties. Late in the process, in late XXXX, they tell me I must provide an " CPA audited profit loss statement ''. I am XXXX XXXX. I had already provided them my filed XXXX & XXXX federal tax returns. I provided my tax transcripts. I provided a XXXX profit loss statement and all my XXXX business checking statements showing all my income and expenses. Then they tell me they will not take anything but an audited profit loss statements. 

My CPA told me and audited P & L would take weeks and cost a significant amount of money and is like a forensic financial audit. Quicken would not give me any explanation about what was needed beyond saying 'an audited P & L '. They would not elaborate. They would not provide any alternative to these 'requirements '. 

I was railroaded out of my applications and they closed them out without asking me. I appears they did not want to make the loan to me and they would only tell me this was 'program guidelines '. When I asked for the guidelines, they would not provide them or elaborate. They knew I was XXXX XXXX at the start of the process. Quicken sells itself as highest in customer satisfaction in mortgage origination. No one would want to be treated as I have -- have a complicated requirement placed on them very late in the process with no  explanation ; then when I want more information, or alternatives, I am ignored or basically told to get lost with no explanation.

Company response to consumer: Closed with monetary relief