BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage on my current home since XXXX. My mortgage has been moved from company to company several times over this period. They have lost payments through the transitions and started foreclosure proceedings in the past. The last case is from XXXX. I won a ruling with my proof of payments and bank statements. OCWEN appealed and claimed my documentation was not valid and should have not been admitted. I filed a XXXX XXXX plan in XXXX and made payments for the last 3 years. OCWEN did not apply those payments correctly to my loan. I received documentation from them that my loan was being sold to another PHH company. I passed the information along to my XXXX lawyer. Then then refiled to get a new court date which is XX/XX/XXXX. I have attempted to re-finance my loan to get out from this mess, but I am not allowed to be approved since my mortgage is not being reported on my credit report. It has been reported as current for the last 2 years and stopped being reported in XXXX when it was moving to PHH. I now have a pending foreclosure court date of XX/XX/XXXX, and I have nor recourse to correct this. OCWEN and PHH refuse to talk or work with me on this issue. Neither can explain where the {$65000.00} in payments over the last 3 years have been applied. My principal balance is the same, my arrears balance seems to be the same. Please help me correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Asked Sallie Mae/Navient to discharge the co-signer. 

Also asked them to provide the list of lenders who hold my private loan. They have yet to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had made a credit card purchase through Citibank with my credit card for XXXX XXXX XXXX XXXX XXXX  which was supposed to provide a XXXX XXXX XXXX XXXX XXXX to it's patrons. When it came to be the week of my scheduled appointment In XXXX of XXXX, XXXX said the company was " permanently closed ''. Of course, I called the number on the website, and it said that the number was " no longer in service ''. I sent an email to the merchant once I got their information from a cooperating 3rd party, and also received no response. The day came of my balloon ride and I did not go because again, it said the business was permanently closed. I called my credit card company to dispute the charge since no service was ever provided and the merchant made no attempt to contact me, or give me my money back. The total was {$230.00}. Citibank issued me a temporary credit for the charge and issued an investigation. A month later ( XX/XX/XXXX ), they reversed the credit on my account and said it was " resolved '' and they made contact with the business. I never received any type of email, call, or service from the business after they took my money. I am not paying for fraudulent services. The website still as of today XX/XX/XXXX says the business is " permanently closed ''. The phone number still is disconnected, and I have never received any type of service that I initially paid for. There is no option to leave a bad review, as XXXX says that the option to leave a review for this business " has been disabled ''. The reviews that are left recently indicate the same issues that I am having ... people have said it is a scam, and they never received a refund. Citibank said that I am responsible for this payment to them. This is fraud. I never received anything. Please avoid 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 monetary relief
Consumer complaint received 2019-08-21
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a debt collection notification in the mail for medial services that were NOT rendered to me. 

I've requested an itemized invoice and ALL records be sent to me so that I may examine and properly dispute. CAPIO PARTNERS & XXXX  XXXX XXXX XXXX HAVE REFUSED TO RELEASE THE INFORMATION. CAPIO WAS MORE INTERESTED IN FINDING OUT IF I WAS A US CITIZEN. 

Ive been a victim of identity theft about 7 years ago and I was able to remove XXXX XXXX credit card debt, XXXX debt and I was able to clear with the Social Services the children receiving Medicaid were NOT my children and I HAVE NO IDEA WHO THEY ARE. Clearly this debt must be something lingering from that episode. 

I have not lived in the XXXX area in over 15 years, Ive been living abroad for at least 10 years where I have insurance, I only have a PO Box for mail when I visit and I have NEVER been insured by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC

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 2019-08-21
Company: U.S. BANCORP
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I saw a deal for a XXXX XXXX bundle for {$320.00} and made a purchase of for a total of {$330.00} from XXXX. I was prompted to us XXXX XXXX transfer for my purchase which I ended doing because it was a company affiliated with my Bank, US Bank, and a large number of other notable banks which made me think this process wasn't risky like giving your credit card out online for example. Right after I realized I had been scammed, I initially tried to request the money back through XXXX which ended with the seller declining my request a few days later after they had deleted the site. Also a day or so after I made the request, I called XXXX to see what they could do, but I only got a recorded response to go seek out my Bank which I ended up doing. I contacted my US Bank to see what they can do to help me, and was told to file a fraud dispute in which I explained what had happened and stressed the fact that I had been scammed and actions needed to be taken quickly before what I feared would happen would happen. I did not get a response back from US Bank until it was too late and over a week later the site had closed and disappeared from existence. I later got a letter with a line that read : My dispute has been dropped due to the seller receiving payment., which I read as saying my dispute has been dropped because the scammer collected the money. I tried calling US Bank for clarity and was told that the fraud dispute was declined because XXXX declined the request to get the money back. I was also told that this type of occurrence/scam is very common, and they hear a multitude of complaints regarding this problem and that there is nothing I can do to get my money back. Why is this a problem US Bank and XXXX has? If this is a common occurrence, and many people are troubled by it, why isn't anything being done to prevent it. By not fixing the problem, the two companies are essentially leaving the door open for scammers to utilize this method. If its broken fix it which is something not being done since all they have in place is a are you sure you want to make this transfer pop up. When you type in XXXX scam or XXXX fraud into the XXXX search engine you will find several articles about XXXX scams and nowhere will you find info from XXXX regarding scams and fraud, something that should be there base on the type of business being conducted. Why is XXXX not approaching the topic of scams and fraud when it is their company that is being exploited.

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 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed 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 2017-06-23
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Was eligible for a  XXXX  dollar payment on my harp loan ( DI-TECH ). Processed the Harp form near the end of 5 year term for bonus and DI-TECH incates they are waiting for the federal government. My 5 year term ended in  XXXX  and I have no answers.but th e one d escribed.     Loan #  XXXX  Harp Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2021-07-06
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I made a recent deposit ot {$5000.00} on XX/XX/2021 With Binance.US  - The American arm of Binance. At the time it went through fine. I made Bitcoin purchases with those funds. I got an email pn XX/XX/2021 saying that the deposit was returned and I have an outstanding balance and that i need to deposit the funds or else get liquidated for the amount ( XXXX  : XXXX, XXXX  : XXXX ). I tried to deposit a smaller amount {$2500.00}, but got an error. They said to submit a ticket with their requested information - a video with my name and date, a pdf of my bank account, etc per their email on XX/XX/2021 XXXX : XXXX, XXXX  : XXXX ). I submitted all the info on ticket # XXXX I got an automated response to try to add another payment method ( XXXX  : XXXX ). This didnt work. Subsequent attempts to add funds failed ( XXXX : XXXX ). This has NEVER happened before. I want them to liquidate the XXXX so i can remove the rest of my money off their exchange asap. 
Its not okay for them to keep money, and offer no customer service report and remediating the problem. I have successfully transferred money on this exchange for months. I dont know why this deposit was returned, adn all subsequent deposits.I sent proof of who i was as well as a bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I applied for a home to lease for my wife and XXXX year old XXXX XXXX. We now have to live in a hotel since XXXX, XXXX On XX/XX/XXXX the management, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, informed me that according to my credit report I was being sued by XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Lanlord at my residence in XXXX , XXXX  . I was on a month to month verbal lease after leasing from him for 5 years we had decided to move to XXXX that is why we did not renew lease and went on month to month. After informing XXXX XXXX and asking for our deposit since he never sent us a termination letter. His verbal agreement stipulated that we should pay {$850.00}. or move. Since my job started in XXXX. XXXX, we went ahead and moved we believed we had duly complied with his request, Consequently we can not lease a home or apartment in XXXX, XXXX befitting for my XXXX   XXXX. I am complaining about Landlord XXXX XXXX not contacting me about his intentions which is so frustrating and killing our livelihood by reporting to all three credit bureaus inaccurate information. Currently we reside in a hotel for the last two month and are having a hard time making ends meet. My family and I would appreciate a reaging since the information he has reported on credit file is inaccurate, unverifiable and was not disclosed in his oral agreement.

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 2022-08-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone entered my TRUIST bank account and withdrawn {$810.00} dollars via XXXX yesterday, XX/XX/2022. 
I've called the bank to stop that transaction because it's still pending, but the bank doesn't do anything, and they ask me to go to the offices tomorrow in the morning. They don't have a customer support service to talk to a bank representative, they just put people on the phone who speak another language and it's hard to understand them. 


I need the bank to stop these transactions and return my money, ( {$810.00} ) which is to pay the mortgate, since I am already two months late due to the critical situation of the economy.

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 2017-06-23
Company: Collections Acquisition Company, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Payliance has failed to provide notification of debt collection. Payliance has not responded to my request to verify the debt. Payliance is required by the FDCPA to provide validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation with Payliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card
Issue: Privacy

Complaint:
I have XXXX credit card accounts with USAA. XXXX is a mastercard, ends with XXXX. 
For some reason, USAA blocked me out of the online service for " identity '' reasons. This has been going on since XX/XX/XXXX. I called and gave them every form of identity info ( social security number ) and the works.Then they required to fax them my military XXXX paper ( XXXX ) and my military ID card but after all that, they are demanding a " copy '' of my social security card which I refuse to give them, because I am a victim of identity theft through a financial institution, but still demand my SS card and deny me access to my account online as well as refuse to send me paper statements after my request in XX/XX/XXXX. I attempted to close the account so I obtained a balance and paid it off within 48 hours. They acknowledge my payoff payment but refuse to allow me to close the account. There is something going on ( being charged ) after I cut up my card. I am not making any payments after the payoff but the credit report showed a {$10.00} balance in XX/XX/XXXX. I called in and disputed the charge and requested to close the account. Today, the balance is now {$53.00}. I made one last attempt on XXXX XXXX, spoke to XXXX XXXX. He said that his supervisor said " copy of my social security card is needed ''. I then informed him that I will file this complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief