BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple documents asking LVNV Funding to verify alleged debt by providing proof of contract. LVNV has been given ample time and plenty of opportunity to provide a legitimate contract and have failed to do so at every turn. They are in default and must remove the debt from my credit report, and pay damages for falsely reporting and damaging my name and credit worthiness for so many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has incorrectly reported me late beginning XX/XX/2019 thru XX/XX/2019, and XX/XX/2019. XXXX XXXX has incorrectly reported my credit payment history as past due when I was never reported 30 days late in my statements while I did always pay in the past due window. Payments always overlapped due dates and often I paid 29 days late. I may have been late once but the XXXX XXXX Statements DO NOT reflect the actual dates payments process AND XXXX XXXX somehow kept my account negative and did not reflect the payment, even though I was 0 to 29 days late only. Payments came out of my personal XXXX XXXX checking 'instantly ' yet sometimes XXXX XXXX XXXX would take 3-5 days to reflect the payment in my credit account. XXXX XXXX also took over 50 days to respond to my dispute from TransUnion and did not address anything in my dispute. XXXX XXXX has also refused to give me an accounting of my records and has also refused to provide me anything but statements, of which I am contesting because they incorrectly report my payment due dates. I have bank records showing instant payment transfer dates, yet XXXX wouldnt process them in a timely manner.

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 2018-04-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my payments and have tried several times to get a modification with this loan thru Ocwen. The mortgage company will grant a modification and accept 2 trial payments and then will send only the third payment back to me with no explanation at all. I then re-applied for assistance with Ocwen and they granted a modification and never sent me any payment amount or Letter stating that I was granted the loan modification .... Next thing I know I am in foreclosure status!!!! I have tried to contact them and get someone on the phone to ask them how I can receive a letter from them saying my home will be sold off in 2 weeks. I am need this matter looked into asap .... My loan # # XXXX -Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, 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:
When reviewing my account in 2017, I determined that Equifax has an incorrect " suffix '' for me ( i.e., XXXX ). I filed a dispute and provided Equifax the documentation they required to demonstrate that I am not a " XXXX ''. Their email sent XX/XX/2017 indicated the dispute was resolved. The dispute was not/is not resolved and I was told that the only option was another dispute. I am not particularly interested in jumping through Equifax 's " 13 fiery rings '' again without some assurances that the result would be different this time. For all the documentation I had to assemble to demonstrate that I was not a " XXXX  '', Equifax could not tell me where the information came from that led them to believe " XXXX. '' was an appropriate suffix. 

Also, I just ( today XXXX ) tried to log into my Equifax online freeze/thaw account to perform a " thaw '' and was told I needed to do a password reset. I followed the instructions and the website indicated instructions to reset my password were sent to my e-mail account. No instructions were sent. When I called XXXX I was told by the rep that unless the account was created 3 months ago, I would need to create a new account. I just tried to do that, and when I completed the online form and submitted it, I got a server error indicating " We are temporarily unable to connect to our services ''. It seems strange that the other Equifax online ( non-freeze/thaw ) account I have where they can peddle services to me seems to always perform flawlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BROKER SOLUTIONS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is against : Mortgage Loan Officer : XXXX XXXX XXXX : NEW AMERICAN FUNDING Over 2 weeks ago, onn XXXX I submitted my : -Loan application -ALL requested documents -Signed and Submitted all required disclosures statements and I have not received ANY response or communication from this lender by email, mail, phone, text, or fax or any other form of communication. 

Everything is documented. Please let me know you would liked me to furnish any documentation, emails, screen shots. 

Please advise is there is a regulation to protect consumers from lenders collecting financially sensitive information and not providing the consumer with a response within a reasonable time-frame. I am appreciative of any assistance you can provide. 

I am very concerned about submitting ALL of my personal financial information and not receiving any sort of response after waiting 20 days. I believe it is necessary to report this incident to prevent it happening to anyone else. 

Thank you very much for your time and review of this matter. Please feel free to contact me with any questions. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Experian Information Solutions 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 have attempted, repeatedly, to file a dispute and keep receiving an error message stating, " We're experiencing technical difficulties and can not access your report at this time. ''

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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion, XXXX and XXXX did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My FICO score is XXXX right now today, if transunion, XXXX  and XXXX  update my new credit info, it might be helpful for XXXX XXXX veteran and children. XXXX XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of XXXX XXXX REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award

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 2018-10-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello,. In XX/XX/XXXX, I purchased my home at XXXX XXXX XXXX XXXX XXXX, VA XXXX. My mortgage became serviced with PennyMac. In XX/XX/XXXX, my husband and I began to run into financial difficulties. I applied for a loan modification in fall XX/XX/XXXX, I was approved. My paperwork and first payment for the trial payment plan for the loan modification was due by the end of XX/XX/XXXX. I sent in the agreement, and the first payment before the end of XX/XX/XXXX. In XX/XX/XXXX, I receive a letter stating that they never received my documents so the trial payment plan was cancelled. I did not make my payment in XX/XX/XXXX as I was trying to communicate with them to figure out what to do. Towards the end of XX/XX/XXXX, beginning of XX/XX/XXXX, my husband called the company to discuss that we did send everything in, and needed the trial payment plan reinstated for their mistake of losing our documentation. They refused, and continued to state that they never received it. In XX/XX/XXXX, we received documentation that our house would be in the foreclosure process. I even sent in documentation for the fax confirmation. They continued to refuse. I finally filed a complaint with the CEO, with the federal consumer protection, and with the XXXX XXXX XXXX. It was then that they called saying oh we will fix it. They refused to reinstate the old one, however, and made us put in a new application. We put in the new application and they did not approve it. We then got notice that our house was due to be auctioned in late XX/XX/XXXX. I filed new complaints with the XXXX XXXX XXXX and federal consumer protection, they then allowed me to send in another application for a trial modification, and postponed the auction. All this time, however, they have still refused to admit their mistake of losing our original documentation and have refused to reinstate our modification that was messed up due to their mistake. The new application was also denied. They said we could put in another application, but honestly, due to their mistake, I am so peeved and wish they would just own up to it and reinstate. I am at my last resort. My house is due to be foreclosed on XX/XX/XXXX. I am so close to filing a lawsuit, but figured I would reach out to you all first

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dear Bank of America, Request for Credit card Reopen XXXX I am member Bank of America since XXXX and I am enjoyed my credit card benefits and paying bills on times. Today I received letter indicated my account has been closed. ( letter attached ) My credit score XXXX and I am maintaining my credit good conditions. 
I am so disappointed your bank closed my account and please re consider to reopen my account. 


Thank you. 


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 2018-12-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase Bank is promoting bonuses for opening checking accounts online. 
I opened an account on XX/XX/2018 after being automatically forwarded from the link. 
It stated that a bonus of {$300.00} would be paid after enrolling in direct deposit. 
After completing the requirements and after two months had passed, I inquired about the bonus. 
They responded, saying I needed a coupon code to get the bonus. 
I have the pages copied if they are needed for verification. 
As of today, the process is the same.No coupon code is given when opened online. 
Any assistance with this matter is greatly appreciated. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: IL
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:
Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by TransUnion, XXXX, and XXXX  and they have not removed it from 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 explanation
Consumer complaint received 2018-12-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received a 30-day late for the month of XX/XX/2018. I was not aware of any payment being due and once I contacted the merchant, they informed me that they were contacting me, which happened to be at a phone number that was not mine, in addition to, stating that I had indicated to not receive any account communication from them which is why I hadn't received any type of email or notice by mail. The information they advised is not accurate. I would have no reason to provide any phone number other than mine and since I receive most of my credit account updates by email, there is no reason why I would have opted out to receiving payment communications regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
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:
A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX  # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with Transunion and XXXX? Please validate your investigation or otherwise delete the account immediately.

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 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item : XXXX XXXX CAPITAL ONE BANK USA NATION ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) Allege Amount Owed {$660.00} I have No knowledge of this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On approximately XX/XX/2021, Capital One ( Cap1 ) elected to close my 3 credit card accounts. This is entirely within their rights and I do not dispute the closures. 

At the time of closure, I had an accumulated rewards balance of {$3600.00} across the 3 accounts. Cap1 restricted my access to the rewards and prevented me from redeeming them. After attempting to contact them to no avail, I decide to wait and see how they would go about addressing this, in hope they would eventually send me a check for the full sum of the rewards. It is now over 90 days since the accounts were closed and Ive received payment for 1 ( of 3 ) account at 50 % of their rewards value. 

Cap1 is very clear in their promotional materials, communication, web sites, etc. that the value of the rewards points is $ XXXXpoint and yet theyve not decided that for what I assume is some punitive reason, the rewards owed me are only worth half that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 credit bureaus are reporting my XXXX XXXX XXXX account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such

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 2020-10-12
Company: ZARVAD III S.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have experienced financial problems due to Covid. I reached out to company called XXXX XXXX XXXX to  settle my debts. Mypaydayloan.com has absolutely refused to work with me or XXXX  XXXX. I told them repeatedly I could not afford the payment arrangements they offered me. XXXX XXXX XXXX  has also had no luck with these people. Today I got a letter from XXXX a collection agency. The amount it says I owe is triple the amount of the last email contact I had with them. I told them the payments were 2 high. They ceased communication and turned me over to collections. This company needs to be put out of business. They will not work with anyone. I dont care what they tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Weber & Olcese, PLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX services had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired weber/olcese. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX   and weber/olcese through email, but now when I email XXXX about this they only give me a number to call. I have made several attempts with XXXX  to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 31 calls from Trans world ( phone calling me XXXX ) latest call received at XXXX XXXX MST XX/XX/2018. Asking me to call XXXX reference account XXXX. Each time I have spoken with them I have been assured they would not be calling me back. Yet several days later I get another call. I have been assured by Managers at Transworld that they have removed my phone number from the calling list. Yet calls keep coming

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.

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