BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-13
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a problem with PHH mortgage last month with holding my money in a suspense and file a complaint ( XXXX ) with you and that was resolved. Still wonder how and why I was charged interest since they had my money since XX/XX/2019 and didn't apply it to my loan until XX/XX/2019 when I got your company involved. But I was told told that I would have my excess money totaling {$290.00} refunded within 15 days and still haven't received it. So on XX/XX/2019 I acquired on their website about this issue. So this morning XX/XX/2019 I went to check my account on their website and it seems my account is disabled and I can not get in to check on my account. I feel this company really tries to not be consumer friendly at all and very dishonest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A per standard advice I have put a credit freeze on my Equifax account. 
I should be able to suspend this by going to my.equifax.com. I have been unable to access this account. 
Equifax states that my account is locked and they are looking into the matter, and it would be corrected within 7-10 days. It has been 3 weeks, and in spite of numerous calls to them the problem is unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several late payments from Navient on my credit report and I do not know why. I was in school from fall XXXX to spring XXXX. In XX/XX/XXXX my XXXX passed away, and because he was a cosigner I was told the student loans would be forgiven. Years and years passed and I never heard from them again. Not a phone call, not a letter in the mail, literally nothing. Then one day I looked at my credit file and I had several late payments from them. This was in XXXX, years and years after attending school. Any attempts to follow up with the company and get it fixed have not worked. When I call they say someone from the company must have given me wrong information and they couldn't  help. I disputed the payments with the credit bureaus, and nothing. I am now paying my student loan payments monthly and have never been late, I don't mind paying. But the late payments on my credit file is ruining my credit and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Over the course of 9 months, I have disputed my charged off XXXX XXXX accounts with XX/XX/XXXX, XX/XX/XXXX & Transunion. As always, they keep coming back " verified ''. Well I recently started, taking a deeper dive into my credit report and realized that XX/XX/XXXX, XX/XX/XXXX& Transunion never properly verified my information because they're reporting inconsistent information across all 3 credit bureaus. Example : They are currently reporting an inconsistent date of last activity, creditor type ; are just to name a few. Not too mention, when an account is charged off ; it can not have a past due balance ; which there's one showing on my XX/XX/XXXX, XX/XX/XXXX& Transunion credit report. According to the FCRA, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and I've requested they delete this off of my credit report immediately. I've sent certified letters on XX/XX/2021 and XX/XX/2021, with the appropriate documentation proving this is inaccurate & was not verified.

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 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
there was an inquiry on XX/XX/XXXX and the company does not have any record of credit card opened under name. Called on XX/XX/XXXX to Kohls and they researched the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 my vehicle got into a total lost accident. At the time I had XXXX XXXX   and they took care the remaining balance with bmw financial. Prior to this issue, I had issues with bmw not reporting to the credit bureau my monthly payments and I contacted them numerous of times. I spoke to a guy by the name of XXXX XXXX numerous times and sent in an affidavit and he promise the issue will get resolved and they will report everything accurately. Yesterday I checked my credit report and it show voluntary lease terminated and balance owe. At this time Im trying to get a new vehicle and I cant because this is affecting my credit. I called bmw and spoke to 3 people this morning and they told me they will try to get this resolved but I dont feel confident they will because my prior experiences with them not resolving it. They account is paid off and I also paid my deductible of {$1000.00} there it should be update with the dull amount paid off of {$32000.00}. It should not report like that and show that it was paid and no balance is owe. I want this fix immediately. I have no vehicle to get back and forth to worth. I have a XXXX years old son that needs to go to school. This is a big inconvenience and my credit has dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have certified mailed in disputes 4 times asking Transunion to validate that the debt reporting on my credit file is actually mine and is correct. I asked for them to send me an original signed contract with my signature on it. I have never gotten any of this. Their investigations continue to come up as " verified. '' I have even emailed the ceo, XXXX XXXX, about this issue to see if they can look into it, I've gotten no response. I asked 4 times that under the fcra, if they can not properly verify, then they must delete the account and they have failed to follow the FCRA. I am going to litigate in small claims court and make them pay me for all of the 5 accounts on my report because of NEGLIGENT NONCOMPLIANCE if they continue to violate my federal rights.

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 2019-11-13
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for a gym membership that ran from XXXX to XXXX. XXXX XXXX XXXX, the third party company that collected payment for the gym, continued to bill be after my gym membership expired. 

Now, a debt collector is attempting to collect the unpaid monthly fee.

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: PORTFOLIO RECOVERY ASSOCIATES 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 company called Portfolio Recovery Associates is reporting to the XXXX  Credit Reporting Agency an account that they had purchased while there was an open dispute with the original creditor. This same account was removed from my XXXX  credit report after I filed a complaint with the Consume Financial Protection Bureau.

The Original Creditor was reporting Incorrect Historical payment & info. The account does not show payment I have made on XX/XX/XXXX for {$140.00} The dates that the account 1st became late is wrong. The account was charged off on XX/XX/XXXX for {$220.00} The account would have been late before XX/XX/XXXX when it was charged off. 
Attached are supporting documents including the previous CFPB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CITIBANK, N.A.
State: MA
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:
Had a dispute with merchant. Citi started investigation and sent me email stating my dispute has been resolved and to go to their website. Went to website and was given blank letter with just my address. Called customer service and spoke to manager XXXX XXXX XXXX XXXX XXXX who could not tell me anything on my dispute and was unable to call or lookup any information to fix the 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 explanation
Consumer complaint received 2018-04-16
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was removed from my credit profile because account was paid by XXXX XXXX the proof was sent twice to the supervisor of the collection agency and also to the client for which his collection agency is collecting for. Even though agency when I called they advised me if was removed again from my credit file it has not request this collection agency be fined for improper collections acts. This agency just reported to collection agency without sending a letter or calling prior to placing in my credit profile. Something should be done to prevent from happening

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 2019-07-13
Company: Experian Information Solutions Inc.
State: MD
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've reported this dispute several times. 
XXXX has updated my credit based on my report and Experian ; along with XXXX have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 
That is not possible.

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on XXXX & Experian The last is how it shows on XXXX ; along with experian You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action

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 2019-07-13
Company: EQUIFAX, INC.
State: MD
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've reported this dispute several times. 
XXXX has updated my credit based on my report and XXXX ; along with Equifax have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 

That is not possible. 

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on Equifax & XXXX The last is how it shows on Equifax ; along with XXXX You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions 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:
To Make a long story short I and 3 other family members signed a rental contract with XXXX XXXX 4 Rent.They filed evictions against us wrongfully with lies such as non payment of rent we forwarded copies of rent receipt ; copy of money order for the month that month which they refused to take we paid our rent every month in full.they also lied to courts said that utilities was included with rent.Our utilities was being paid monthly directly to XXXX XXXX XXXX if we did not pay XXXX we would lose our utility services we received billing from XXXX every month.proof of that to XXXX totally refused that month rent ; file evictions with lies.City code officer inspected the house at time of our occupancy and found bad mold which we should not have ever been continuing to live with anyway we told XXXX they refused to correct. we reported all info with answer to eviction summon also copy of money order and copy of email from XXXX that money order was refused and keys was demanded.so actually XXXX really just gave us back the rent money really.Final Judgement only ruled us to give them they property and we did they kept our {$14000.00} deposit unjustly. The Judge did not order any money owe to XXXX and closed the judgement final. XXXX now has XXXX XXXX reporting neg on my credit report.still they was deleted from all other parties credit report I do not owe XXXX or XXXX XXXX either I should have fair treatment as well we all went through the same thing.Neither one of us owe them and should not be on either of our credit report. we have no money owed with a judgement against us for XXXX even the clerk of court will tell you that they tell us

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 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
1. Received an offer from American Express for XXXX MR pts offered in two tranches : First by spending {$5000.00}, I could receive XXXX pts and then by spending another {$5000.00}, I could receive another XXXX pts. 
2. Clicked through the email offer in XX/XX/2019 but the offer link from the email took me to a page that wouldn't load ( just plain white ) 3. I called in to Amex customer service hotline to inquire about this offer. The associate told me that even though she was not able to view the offer on the website that she sees the email has been sent to me in the past and they would honor the offer. 
4. The associate signed me up for the Amex Business Platinum Card with another offer but said she would put in my customer notes that she has  promised me that I would receive the offer I had through email. 
5. After hitting the spend threshold for both tranches I have yet to receive the XXXX for the second tranch. 
6. Called in over 5 times to Amex customer service and had 2 " investigations '' done yielding no results. I was apparently contacted by Amex but I did not receive a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from the IRS LTR 5071C on XX/XX/2019 I scheduled two appointments however failed to make them both. Ultimately I went to the IRS building in XXXX, FL but didnt call to schedule an appointment or bring in my letter with control number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I have private student loans with XXXX XXXX XXXX managed by Great Lakes. On XX/XX/2018 I logged into my account with Great Lakes to check on the status of my student loans. When I clicked on account details and scrolled to the bottom where it states " Loans in this Account '', I noticed that my interest rates on the student loans had risen. I was never notified that my student loan interest rates had risen. I even checked my message center with Great Lakes to see if notification was sent, and there was no information letting me know my rates had risen. Before I go further let me go back into my history with Great Lakes to better understand the situation at hand. 
I filed a complaint with CFPB about a year ago against Great Lakes because I noticed that on their website my interest rates had risen and was curious as to why. After talking with several employees in management at Great Lakes I found out that my student loans were variable. My only problem with this information was that the Great Lakes website shared no knowledge to their borrowers that their student loans were fixed or variable. Since I filled this complaint with CFPB you will know see that Great lakes have simply add the word " variable '' next to the rate under " Loans in this Account ''. 
Getting back to my point on the matter at hand. Great Lakes does not supply information or alerts to their borrowers when the interest rates on the borrowers student loans have risen. The only way to find out would be to login, and discover that your payments for several months have been going further to interest. This information is vital and should be shared with borrowers so that they can make the decision to refinance to lower rates if need be. By Great Lakes not telling it's borrowers about rates rising on student loans, they are defrauding borrowers accounts and reaping the rewards. 
Student loan information should be easy accessible and not hidden. My request is to have Great Lakes send alerts by email, message center, or postage mail to borrowers when it's interest rates have risen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation