BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO XXXX  AND EQUIFAX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... XXXX  AND EQUIFAX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX  request for a full disclosure on ownership on a debt stated by Citi Cards that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. XXXX Decided XX/XX/2017. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Citi Cards has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Citi Cards has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.

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 2018-12-11
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX AND XXXX XXXX I AM HAVING PROBLEMS WITH MY MORTGAGE COMPANY. I MAIL MY PAYMENT EACH MONTH AROUND THE XXXX OF THE MONTH. THE COMPANY ALSO HOLDS MY PAYMENT LESS TWICE A MONTH OUT OF A YEAR TO KEEP ME FROM DOING A REFINANCE. ALSO, I HAVE BEEN IN THIS MORGAGE FOR OVER 14 YEARS AND NOTHING IS GOING TOWARD PRINCIPAL. I WAS NOT AWARE THAT THE LOAN MODIFICATION HAS BEEN DONE 4 TIMES. I DID DO A MOD. ONCE, WHEN I HAD TO TAKE XXXX   BUT NOT 4 TIMES. I HAVE BEEN IN THIS NOTE FOR OVER 14 YEARS AND SOMETHING SHOULD BE GOING TOWARD PRINCIPAL. I SHOULD BE HALF WAY THROUGH. BUT THEY SAYING I WANT BE THROUGH UNTIL XXXX. THAT IS NOT RIGHT. I HAVE CALLED MY MORTGAGE COMPANY SERVERAL TIMES COMPLAIN ABOUT THIS PROBLEM, NOTHING IS DONE. I NEED HELP WITH THIS PROBLEM. PLEASE ADVISE ON HOW TO RESOLVE THE PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
State collection services is trying to collect debts that are expired has the statue of limitations for the state of Wisconsin they are also reporting it to my credit agency and there are duplicate negative remarks are regarding the same account that should have been already dismissed from my viability of the debt due to the Wisconsin statute of limitations they are negatively impacting my credit score which is negatively impacting my life and my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I was alerted by XXXX that there was an unpaid debt collection added to my credit report by a collections agency named " XXXX XXXX, XXXX '' for an unpaid balance of {$260.00}. After reviewing the item in more detail, I was able to find very limited information and could only find out that this was in relation to an unpaid balance that a company named " XXXX XXXX '' had claimed was outstanding. I have never heard of either XXXX XXXX or XXXX XXXX, XXXX and have absolutely never done business with them. I have never received any communication from either company with regards to any matter including an account being opened or an unpaid balance, and have also never received any confirmation or validation of debt on my name. On XX/XX/XXXX I repeatedly called Convergent to find out why they have an outstanding balance on my credit report and to request more details in order to resolve. I was repeatedly put on hold and transferred to several different representatives who could not provide any additional information or confirm this activity on my credit report. These attempts to find out more information resulted in them hanging up on me, as well as telling me to call their " Corporate Office '' at the same phone number which I was already dialing that directed me to the representatives I have already been speaking to. Due to the fact that there was no communication of the an account being opened with XXXX and no validation of debt provided I am very confident this unpaid collections is a result of fraudulent activity against my name and want to have it removed from my credit report as it already affecting my credit score unethically and unlawfully.

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 2019-04-11
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today, XX/XX/XXXX, I initiated the process to get an income based repayment plan for my student loans, which are being serviced by Navient. I first went to studentloans.gov to fill out the information as to which repayment plans I qualify for. I found out through the website, unsurprisingly, that I qualified for the PAYE and REPAYE payment plans since all of my loans are federal student loans acquired through the Departement of Education. I proceeded to download and complete the Income Based Repayment Form ( since for some reason the website could not access my IRS information electronically ) and prepared the documentation I would use to verify my income ( which is my IRS tax return for XX/XX/XXXX). I proceeded to go to Navient 's website to upload this documentation and to start my application for an income based repayment plan. I followed the relevant links and I went to the page where I have to fill the information needed for this application. It had more or less the same questions I filled out in studentloans.gov with the exception that they also ask for my Gross Pay on top of my Adjusted Gross Pay. When I finish filling out the information, I receive a notification that I do not qualify for ANY repayment option. This was very confusing for me since, as I've stated, all my loans are federal loans and studentloans.gov arrived at a completely different conclusion with the same information. 

I proceeded to call Navient at XXXX to find out why they reached they're conclusion. I told the representative about the fact that I was surprised that they said that I didn't qualify for any income repayment plan while studentloans.gov said that I did and that I still uploaded the Income-Based Repayment Plan Application along with my XXXX IRS Tax document. She proceeded to tell me that they actually could not see the information contained in my documentation till 24-48 hours and that they will take 17 business days to process my application. I CANT BELIEVE THAT THEY FIRST TELL EVERYONE THAT THEY DO NOT QUALIFY FOR ANYTHING WHEN THEY ACTUALLY HAVE A WHOLE DIFFERENT PROCESS FOR APPLYING FOR AN INCOME BASED REPAYMENT PLAN. Furthermore, they have unnecessarily long processing times that actually run out the clock on any grace period one has before starting to pay one 's student loans. 

To everyone that counted on having an income based repayment plan when they took out a student loan, you need to first go to studentloans.gov to educate yourself on what your options and rights are. Navient will first lie to you about what you will qualify for without even looking at the information you submitted. They will also stall and delay as much as they can in order to force you to make unnecessarily high payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
This is my fourth time asking for an investigation of a PORTFOLIO RECOVERY ASSOCIATES Collections ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted Portfolio Recovery Associates with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX deleted the account because they could not verify or provide me with proof. XXXX, and XXXX have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. XXXX even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. XXXX, and XXXX   always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show XXXX   and XXXX that this account was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of doing an FHA streamline refinance that would have saved me significant money on my monthly payment. Towards the end, we were working with Lakeview Loan Servicing LLC to order a payoff. 

Lakeview stalled my originating lender by over 1 week in getting a correct payoff. My lender requested that my impound account be netted towards the payoff, which would reduce my cash to close by {$XXXX}. At the last minute, XX/XX/2018 after a lot of effort on behalf of my lender, they relayed the news that they would not do a netted payoff. 

This made it so that I had to come in with an extra {$XXXX} that I did not have, and I had to cancel the loan. My lender is willing to re-attempt this next month or anytime in the future if we can get a netted payoff. But if we can not, Lakeview has made it unnecessarily difficult to complete my refinance, which would have saved me over 10 % on my monthly payment. Additionally, this is egregious because since my loan has started, rates have gone up on average by 1 % - which makes an FHA streamline not doable. Therefore, I may lose out on savings for the next 29 years of my loan, because of Lakeviews unwillingness to have client centric policies in regards to netted payoffs!

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 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It May Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and  confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, Transunion and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, 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 2017-12-08
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I have been XXXX owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with XXXX. Most recently, we both upgraded to XXXX, and I elected to turn in my XXXX XXXX XXXX after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from XXXX ( XXXX sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called XXXX XXXX XXXX and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed XXXX XXXX and they referred me back to XXXX XXXX. I 've emailed XXXX XXXX earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) XXXX only sent one notice ; and C ) This company who XXXX has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18 months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. 
I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my fourth time asking for an investigation of a XXXX XXXX XXXX   XXXX ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted XXXX XXXX XXXX with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX  deleted the account because they could not verify or provide me with proof. XXXX, and Experian have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. Experian even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. Experian, and XXXX   always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show Experian and XXXX  that this account was deleted.

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 2018-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, I noticed some charges on my account from XXXX XXXX that I knew nothing about. I immediately called Chase and reported the fraud. They refunded the money and sent me a new credit card. In XXXX, I noticed that these charges reappeared on my statement. I called Chase many times and was promised return call and never received any calls. In XX/XX/XXXX, I received a letter stating that Chase was going side with XXXX XXXX and that I would be responsible for paying for these charges that I know nothing about. I called Chase and closed the account because I refuse to do business with a company that will not stand behind me. Two days after I closed the account, I received a call from Chase that informed me to disregard that letter. He told me that the charges would be gone within 48 hours. The charges were still not taken off. I have spent countless hours discussing this with Chase and was informed that XXXX XXXX   supplied tracking numbers. I checked the tracking numbers and they were invalid. Yet, Chase still will not take these charges off my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on 3.11.19. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts.

For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts.

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX Opened Date XX/XX/XXXX, Balance {$6700.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$65.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC 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 explanation
Consumer complaint received 2019-04-11
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 have s few credit cards for emergency use. I am a responsible credit card user. But, when ever I use my credit card, Transunion & XXXX reduce my credit score by a few points. My question is : We get credit cards to be able to use them and if we get penalized by using credit cards, then what is the purpose of using the cards? Also, why is it not disclosed by the credit card companies that we will be penalized if we use their credit cards?

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