BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: Freedom Mortgage Company
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:
In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to Freedom Mortgage. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, freedom mortgage reported the account 129-160 days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise freedom mortgage that no fees should have been assessed on the missed payments, I need freedom mortgage to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!

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 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
CapitalOne credit card is refusing to close my account. I closed it by phone with them on XX/XX/XXXX. I did everything I was told to do in order to pay the account in full at that time. I continue to get billed. They continue to add more and more charges. They have blocked my efforts to contact them via email. I mailed them letters to stop.

After my last attempt to resolve this with the Co, I received a letter asking that I " call '' to solve my problem. However, knowing that a phone call got me nowhere in XX/XX/XXXX I wrote this letter in response : XX/XX/XXXX Capital One : This correspondence is In reply to your letter dated XX/XX/XXXX, that I received on XX/XX/XXXX I have enclosed a copy for your reference.

I decline to " call '', as you have requested. I am in process of pursuing complaints against you with consumer protection agencies which protect my rights.

I can see no reason that a phone call to you would make any difference at this point. All contact I am having with you is by email, hard copy mail and through these agencies.

This allows me to have a record of your practices No phone call would afford me any advantage.

If you do not wish to do the right thing as regards my original complaint. I fully expect no phone call between us would change that.

I demand you close this account. Retract any and all charges you have placed on the account after the closed dateXX/XX/XXXX, and honor the information I was given by your customer service representative on the phone on the above date, when I was given the balance to be paid in full at close of this account.

I am not letting this matter go. I will fight you on this until I get the resolution I deserve.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.

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 2021-10-24
Company: Servatus Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2016 I opened a checking account with XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX was also listed on this amount. XXXX made 2 purchases at XXXX and the funds were not available. For 2-3 months, 2-3 times a week, XXXX  world try to get their payment, funds still not available, and XXXX charged me {$35.00} in overdraft fees each time even though they not once covered the actual payment. I disputed the original account and won, deleting it from my credit history. I have the pictures of that dispute if needed. So now they are going through a collections agency trying to collect the {$270.00}. I don't understand how the original account was removed from my credit report but now they are able/ allowed to go through a collections agency to try to collect that exact same debt that was already deleted. The name of the connecting agency is Credit Solutions Corp .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/2019 I instructed rep from company by phone conversation to cancel scheduled automatic payment withdrawal for XX/XX/2019 from my checking account. The rep said she would do that and added that my automatic payments were turned off. I told the rep I would call back with date for withdrawal of payment. 
On XX/XX/2019 Lending Club withdrew from my account two payments totaling XXXX causing my account to go negative and adding bank fees for other overdrafts caused by this. 

Note : the company records all conversations but refused to play conversation to me when I complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Barlcays Bank told me that I owed {$1200.00} from XXXX - XXXX and it was written off. 
I have called XXXX and they can not provide me with any information proving that I owe that amount. They can not provide me with any paperwork claiming this to be true. 
I have disputed it time and time again and have spent hours on the phone only to get a representative to say what's on their computer screen but not actually provide any facts. 
I have checked my credit and credit score. I have no outstanding debt, none written off, and a nearly perfect credit score. My credit report would definitely reflect any outstanding debt from XXXX. 
In fact, I've even checked my credit card from that time period and it says, " BARCLAYS BANK DELAWARE Closed EXCEPTIONAL payment history Date opened Indicates the date an account was openedXX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - $ X, XXX Payment Info Status Paid " satisfactorily '' Status date XX/XX/XXXX Past due amount - {$0.00} '' PAID ON TIME. 

I would like for them to take this note off their account and allow me to use their services 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 2018-11-26
Company: Commonwealth Financial Systems, Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
Commonwealth Financial Systems FAILED to respond to my request for VALIDATION of an alleged debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Commonwealth Financial Systems received my VALIDATION request 31 days ago on XX/XX/2018. I have not received the documentation that I requested. By law since this alleged debt has not been properly VALIDATED it must be DELETED IMMEDIATELY. On XX/XX/2018 Commonwealth Financial Systems stated that their tradeline and alleged debt in the amount of {$160.00} would be DELETED with XXXX, XXXX, and XXXX in response to a complaint with the XXXX. As of today XX/XX/2018 Commonwealth Financial Systems is still showing up with the credit reporting agencies XXXX, XXXX, and XXXX against my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN FAILED TO FURNISH A RECAP OF ALL PAYMENTS MADE FROM XXXX FOR THE LIFE THIER SERVICING AND A SEPARATE RECAP FOR ALL XXXX XXXX PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Bread Financial Holdings, Inc.
State: MA
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:
1. XXXX  and XXXX  aren't reporting my monthly payment on my student loan.

2. XXXX  has on my credit report " Potentially Negative Account '' flagged on a lot of my credit accounts even if I was late 1 time.

3. XXXX has an address listed that I never lived at 4. I can't submit a dispute report to XXXX  at all. Very Difficult 5. XXXX has that I have 10 charge off 's on 1 XXXX XXXX  Account, I thought you could only chare off an account 1 time. 

6. XXXX has another XXXX XXXX  Account of mine saying I charged it off 13 times which is inaccurate. Should only be 1 time. 
7. XXXX  has an account of mine, XXXX XXXX is reporting that I have 2 charge off 's and that's inaccurate. 
8. XXXX XXXX is reporting that I was late 6 times and that is inaccurate 9. Information is not being updated on my XXXX  Credit file from XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  is the facilitator and contact company for XXXX and all billing was combine and paid through XXXX. When the service was terminated, the last billed posted was paid in full to XXXX. I don't owe a balance for services. I contacted the creditor for more information and the call was disconnected every time I asked for them to send me valid information on the account. Such as, the debt validation letter with the address on file with my signed signature and any supporting documentation on the debt. Each time, the line was disconnected by the representative. Again, I do not owe a balance on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks 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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2019-05-21
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my husband and I attempted to buy tickets on XXXX for the XXXX game. We sent the money to a XXXX XXXX who requested to be sent friends and family who never responded to our follow up messages. I reported it to PayPal as fraudulent and they said nothing was fraudulent about it. My bank was also aware of it that same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Additional complaint against Bank of America Loan went into forebeafance and then deferment due to covid-19. 

Bank of America called and mailed correspondence specifically stating that payment would resume at same amount post deferment and interest & Escrow would remain in a separate interest free account until Loan is satisfied or home is sold. 

This was reiterated verbally as recently as XX/XX/2020 and prior to that in mail and over the phone. 

Then in XXXX monthly payment was increased {$26.00} a month to re-pay escrow deferment and I was told foreclose and loan delinquencies would occur if extra {$26.00} was not paid for remainder of loan!

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 2021-10-24
Company: Experian Information Solutions 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 have submitted multiple requests to remove the incorrect account reporting on my Experian Credit File, the last attempt was under claim # XXXX in XXXX, I disputed this information more than 2 times. XXXX XXXX  XXXX has upheld the decision meaning they are allowing someone else to use my SSN which is clearly a violation of my rights. The person on that account : XXXX XXXX XXXX Seems to have a similar name but that is not my name. 

I even tried to reach out to XXXX XXXX XXXX and they also failed to do anything. I spoke with a representative from their fraud department named XXXX on XX/XX/XXXX. 

Please help me

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 2018-01-31
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I acquired my family home when my mother XXXX XXXX in XX/XX/XXXX 2016. She left the house to me through a deed of trust that she established many years earlier. I have an existing mortgage. When I informed the mortgage company, Seterus Inc. that my mother passed away, and I informed them of the deed of trust, I was told that I could not become " owner '' of the property unless I moved into it as a primary residence. I was also forced into an assumption mortgage although the property was mine legally through inheritance. I moved into the property, making it my primary residence although I had a home with a mortgage, made payments through a " trial '' period for a property that was already legally mine, and suffered through all of the unnecessary processes that Seterus presented.

Recently I got a new job. It is a better paying job that will more easily allow me to pay two ( 2 ) mortgages- my own and the acquired mortgage. While waiting for my first paycheck, I fell behind on both payments. My own mortgage company understood and is working with me. Seterus is quite another matter.

I need intervention so that I can keep the property to do with it as I please. There is a considerable amount of equity at stake that I feel Seterus is aware of. I also believe this awareness motivates how they are handling the entire situation. I will not lose this house.

Resolution : Seterus should provide a real modification, not the in-house non-sense offered. The current principle and interest are only {$30000.00}. My payments are over {$900.00} per month. Outrageous.

Signed, Frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
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: Information belongs to someone else

Complaint:
THESE ACCOUNTS LISTED ON THE ATTACHMENT ARE FRAUDULENT AND NEED TO BE REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We had XXXX XXXX. We were submitted a final bill. I paid the bill and returned the equipment. We received a confirmation that the equipment was received. Then about a month later we get another bill. I called them and asked what the bill was for. I told them we paid our final bill, so I didn't understand. They gave us no reason other than you owe them an XXXX charge. This also happened to my neighbor and my mother in law. No explanation and same amount charged. This is a scam and then they threaten to report us to the credit agency. This is a consumer scam. People pay it because they are afraid to be reported. Look at my credit. Do I appear to be the type of person who doesn't pay my bills!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Barclay charged me fees on a XXXX balance account after the account was closed and reported a balance from the fees to a credit reporting agency, 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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.

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 2021-10-24
Company: MIDFIRST BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A couple of months ago or so I called Midfirst Bank of Oklahoma to inquire about opening a new checking account that offers a {$300.00} cash bonus for doing so. I talked to a XXXX and we went over the eligibility thoroughly a couple of times. 
She told me I could be eligible for all of this by applying online from XXXX, Arizona even though there are no Midfirst banks in this area. The closest one is in XXXX, Arizona, which is one hundred miles away. She assured me that I don't have to go into a branch to apply and get the bonus. 
I have applied several times over the time frame I mentioned above and I get a message stating the application can't be processed. It said nothing about being denied or approved. 
Their online banking department told me it could be a system issue on their end and to try to apply later, which I did. They never told me I was being denied, but that it may be a technical problem according to the message after submitting the application. I talked to several online banking employees and customer service representatives who told me the same thing and they didn't know what was going on. 
Then on XX/XX/XXXX or XXXX, XXXX, { I can't remember the exact date } after applying one last time and failed, I called them again and now they are telling me I must go into the branch to apply and it maybe a denial. 
I don't have a vehicle to drive one hundred miles to the branch and I take the city bus. 
This is not fair to get my hopes up and then have no option to help me from XXXX, especially during this virus situation where some bisnesses tell you they are there to help. And I could use the money since I only get about {$800.00} a month for Social Security. 
Thank you for anything you can do. 

Sincerely, XXXX XXXX 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 2018-11-26
Company: Eagle Financial Services, 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:
I orginally filed a complaint with XXXX XXXX XXXX that has been resolved and close but they have not comply with the resolution complaint number XXXX submitted on XX/XX/2018 resolution XX/XX/2018. XXXX XXXX XXXX failed to delete information off credit report as of XX/XX/2018 viewing recent credit report information still remain.

Company response to consumer: Closed with explanation