BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting this complaint against PHH mortgage because, based on their history of refusing to communicate with me and sending correspondence to the wrong address I feel this may be the only way I can get information. I have also submitted notices of error to PHH with these concerns and a printout from my bank of all cashiers checks issued to PHH and the dates they cleared my bank. I recently discovered that PHH has applied only two of the payments I have made since XX/XX/2019 to my account. All of these payments have been made with cashiers checks so money has already been taken from my account, however only two of those checks have cleared my bank. None of the checks have been returned to me so as of today almost {$15000.00} of my money is missing. According to the information I have obtained from PHH my account balance has increased by almost XXXX since I signed a modification agreement in XXXX oXXXX XXXX. I believe this is because my payments have not been credited to my account and fees were improperly added to my account because of this. PHH recently began foreclosure proceedings because of a series of their own errors and because of that I was forced to apply for a new modification to stop the foreclosure. This new modification is based on the inaccurate account balance that has been determined based on their failure to properly apply my payments. 
I would like all of those payments immediately credited to my account or returned to me. Once the payments have been properly applied and fees added to my account because of PHHs errors removed, I believe I should be offered a new, affordable modification based on accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you in taking the time to update some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus need to validate these accounts ( A ). I hope these disputed accounts will be updated. 
XXXX XXXX Balance : {$2000.00}, XXXX  XXXX XXXX Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: UT
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 had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an XXXX representative, the debit card did not process correctly due to possible transposed digits It was listed in the XXXX system as, Per Debit Split Card Not in Network. 
In turn, per XXXX 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. XXXX never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that XXXX still remains to rely so heavily on their XXXX website inbox and/or U.SXXXX mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the XXXX representative being a long-time borrower ( XX/XX/XXXX ) that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that XXXX reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to XXXX XXXX XXXX XX/XX/XXXX for your review. 
Thank you, 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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My citizenship status was listed incorrectly. I do not have a 'secondary citizenship ' with the United States XXXX I am a permanent resident. I would like Capital One 's records to reflect this. I tried calling their customer service but was unable to reach a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2022 I opened a commercial account with Chase bank, after having opened a personal account that there was a problem which also froze my account and they made me open another personal account closing my first account but I no longer qualified for the bonus coupon Welcome, it was disappointing. But the problem did not end there when I opened my business account for my business that started legally in the state of XXXX, did not receive my business debit card and chase financial company has been called to resolve but XXXX requests have been made that they do not I have received a debit card from my commercial account and I was affected by not being able to make my purchases with the commercial account related to my company. They say that it is a mail problem but other entities if I receive mail, then they said that they will request expedited shipping and they they would charge a fee for the shipping and to give another address, so i agreed and gave my old address and they charged me {$5.00} replacement card and to my surprise it was the same card from my personal account replaced not my business debit card, like this I still haven't received my debit card from my business account. I already tried to solve it with them but I don't know what they are playing at.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: VA
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 am writing to JPMCB - CARD SERVICE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting JPMCB - CARD SERVICE agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have contacted Equifax regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681 Account # XXXX XXXX, Acct : XXXX XXXX, Acct : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I signed a debt management plan on XX/XX/2020. I was told by XXXX XXXX XXXX that I would have to postpone any payments due, or notify the creditors that I was entering into a DMP. That by law, as long as they agreed to my payment amount they could not report me as late or charge any late fees to my account. 

I spoke with someone at each creditor or moved my payment date. Every agreed upon payment has been faithfully made. Not a day late. 

However, certain creditors have reported me late. I have filed disputes with the bureaus which are all well past the 30 day time frame. I spoke with both XXXX XXXX  and Synchrony bank which both told me they do not see anything past due in their system. 

I am trying to take out a loan to provide for my XXXX kids during this time. This is killing me and something needs to be done.

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 2023-08-06
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:
I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my XXXX XXXX and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2017-04-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have reached out to this company to validate debt and they have yet to validate. I am requesting valid documentation as well as my signature to alleged debt

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 2019-01-02
Company: Cascade Capital, LLC
State: FL
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:
Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt. The first collection company said they closed the account and returned the account to their client XXXX XXXX XXXX XXXX XXXX So what does that mean? It is not my debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Synovus Bank
State: FL
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:
We rented a car from XXXX and used our Visa card that was issued through Synovus Bank. XXXX put through a charge and Visa accepted the charge knowing that it was grossly improper. The fraudulent and excessive charges had the effect of freezing our bank account and causing us embarrassment. In order to contest the fraudulent charges, we spent hours on the phone dealing with XXXX and our bank. They caused us to not have access to cash in our account for ten ( 10 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: FL
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:
Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2023-04-13
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Edfinancial 's timeline for loan refunds is so weird compared to other loan companies. They say 120 business days after the request for the refund to process, and then another 60 business days after that to actually get the refund, and my balance on their website hasn't updated. My sister 's loans at XXXX  only took three weeks to get, and I have seen similar stories elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I call XXXX, XXXX Equifax and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX I file a report with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I went through the whole loan process. Pre approval, underwritting and paying for inspections, appraisals, due dilligence, ernest deposit etc. We gave them all the information asked for in a timely manner. The dragged their feet which pushed us way past closing date. We re-negotiated and gained more time. Then they denied my closing after contract expired costing us thousands of dollars over funds that were not even relevant to the close that they were completely aware of from day one. Then we managed to talk to the seller and get him to wait while we provided more documentation and they just left us on the hook the seller got tired of waiting and re listed the house. The bank virtually stripped us of 75 % of our savings and said sorry we cant help you

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 2019-01-02
Company: CITIBANK, N.A.
State: NJ
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:
Citibank solicited my application for their neew Simplicit Card which offers 21 months of 0 % APR on balance trqnsfers but did not disclose the 5 % initial fee charged to the account

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 2018-05-23
Company: EQUIFAX, INC.
State: FL
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 had filled a complaint # XXXX with Equifax, after I filled my complaint I received more supportive documents " attached " from XXXX, the creditor in question. However I was not able to submit my supportive documents on line to yo " proving that XXXX did their part and Equifax has not. 
After speaking with your representative on XX/XX/2018, I was informed perhaps it is a good idea to start another complaint and include my new supportive documents. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I regret to inform you that my Navy Federal Credit Card was erroneously closed due to the discovery of TIL and Regulation violations. The account closure was caused by billing errors, which I believe were beyond my control. Furthermore, I have reason to believe that some of my accounts at Navy Federal, which were previously reported as closed, are still open. However, I am confident that the FDIC will cover any negative balances that may arise from these accounts. I appreciate your attention to this matter and look forward to resolving it in a timely and efficient manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have contacted Lexis Nexis regarding inaccurate reporting on my credit file. I followed procedures in disputing information but they have not responded. I have called, emailed and even written them requesting that this negative information be removed. They simply refuse to remove it.

Company response to consumer: Closed with explanation