BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Navient Solutions, LLC.
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:
I currently have my federal loans in borrow defense since XX/XX/XXXX. the sallie mae/navient ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: REGIONS FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Regions Mortgage has reported that my mortgage payments are late. And this has been falsely recorded by XXXX  and reported as part of my credit report. This however is NOT true. My mortgage payments have all been made on time and in full. Regions claim that my account is delinquent is false. This must be rectified immediately if not sooner.

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 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For the past year I have been actively monitoring my account with a credit reporting agency, TransUnion. I have paid off debt, obtained credit, paid it off, and my score increased from the mid 500s to the high 600s in  the TransUnion credit reporting system. A week ago they reported my score at XXXX ( XX/XX/XXXX ) and now they have dropped my score to XXXX ( XX/XX/XXXX ). I am attaching Desktop pages from their web site. Nothing from a week ago has changed with my credit. I still have bank and brokerage deposit balances in the medium six figures, have not borrowed any money, I have the same job for over 20 years, and actually in XX/XX/XXXX my income increased by $ XXXX with my turning XXXX and receiving social security additionally. 

In addition, the top of the TransUnion web site Desktop for my account on XX/XX/XXXX reported XXXX and below on the Desktop it clearly says XXXX is my Credit Summary which matches the Score Trending graph. So there is a discrepancy within their own page reporting. 

I believe this is an arbitrary calculation and mishandling of the credit reporting mechanism that in my particular case is certain to affect my ability to make a move to a less expensive apartment next month, because my credit will be obtained by the landlord 's home owners ' association and it is likely I will be declined the ability to become a tenant.

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 2018-01-16
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a refinance with XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Flagstar Bank, loan # XXXX. My original monthly payment was {$2300.00}. During the time I received a tax statement which indicated that my 2017 taxes had increased due to a HERO loan lien on the property. That lien was paid off during the process of the refinance. Then I received a revised tax statement showing a reduction due to the payoff of the loan. I then received a revised mortgage statement showing an increase in my monthly payment to {$2800.00} I then notified Flagstar of the discrepancy and asked for an analysis be done to correct the mortgage payment and revert back to the original payment. The new mortgage payment is now {$2300.00} which is {$45.00} more than the original mortgage payment. I then called Flagstar and was told by representative ( XXXX ) that there is a cushion required in escrow accounts that Flagstar requires to be paid. Not all firms require this cushion to the escrow account. Nonetheless now my monthly payment has increased from the original payment I agreed. Prior to receiving the adjustment of my monthly loan payment I was never notified in writing by Flagstar to expect an increase in my monthly payment due to a cushion requirement. I feel that as a consumer this additional {$45.00} could later become a hardship, so therefore, I would like an analysis from Flagstar to look into this matter. I was told most likely nothing will 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 explanation
Consumer complaint received 2018-01-16
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, I have struggled with Ocwen changing the terms of my loan so that they were taking money from my escrow account. They force-placed home insurance on the property even though I had my own homeowner 's policy in effect with XXXX XXXX. I have called so many times that I can not tell you how many times. I have paid to meet with an attorney about this. I wrote several letters to Ocwen and I called Ocwen several times. Everyone I spoke with at Ocwen was very aggressive. I now have a homeowner 's policy with XXXX XXXX XXXX XXXX XXXX XXXX. I never had my home insurance lapse. Yet Ocwen billed {$590.00} per year to the escrow. I have also paid my own property tax in XX/XX/XXXX and yet Ocwen paid the taxes from escrow. My entire experience has been a nightmare.

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 2018-01-16
Company: Northern Trust Company, The
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint would be a follo0w up to two previous complaints # XXXX filed XX/XX/XXXX, and # XXXX, filed XX/XX/XXXX. 

On XX/XX/XXXX a stamped letter was sent to XXXX XXXX, Senior Vice President, Wealth Management, who would be the person who last responded to my concerns about the accounting of my fathers estate, requesting : 1. A copy of the revised XX/XX/XXXX XXXX tax document filed with the IRS in XX/XX/XXXX by Northern Trust. 

2. All correspondence and tax forms filed with the IRS on behalf of my fathers estate.

3. Copies of all legal invoices billed to, and paid for, by the estate after those received for XX/XX/XXXX. 

As their was no response to the stamped letter, a certified letter was sent XX/XX/XXXX to which there was also no response. 

My complaint would be that this information requested would be within my legal right to review, but XXXX XXXX did not respond to my request for this information.

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 2019-09-18
Company: Credit Corp Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. 
Tuesday XX/XX/XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with Credit Corp Solutions. XXXX - 1 min. 
Wednesday XX/XX/XXXX XXXX - Asked for my name/Acknowledged " XXXX ''... once again identified himself with security services - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said XXXX XXXX - I said don't call me again - I'll contact you. Again identified himself as Mr.XX/XX/XXXX with Credit Corp Solutions. 

After my call to XX/XX/XXXX ( they represent XX/XX/XXXXand recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by Credit Corp Solutions. 

I then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. 
XX/XX/XXXX I have since blocked those numbers on my cellphone. 
Thanks for your assistance and your important work. 

Best Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: CA
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 mailed document was disappeared and it contains all my personal information including SSN. I want to freeze my credit as a prevention of identity thief. I created an account at Equifax and called them up but they want me to mail them copies of my two ID 's and fill out a form and provide all my personal data. I have created the account at them to avoid it. I need your help how I can freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: JPMORGAN CHASE & CO.
State: WA
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:
I made a purchase from XXXX on XX/XX/2021 for XXXX USD. Chase had a promotion in which customers who made a purchase from XXXX during the timeframe in which the purchase was made would receive 10 % back on their card. This amount failed to post. 

I emailed Chase around XX/XX/2021 asking them to post the amount. They said they would investigate the matter. They never replied. On XX/XX/2021 I emailed them again asking for a reply. They said they would forward it to the proper department. The department replied that the purchase did not qualify, despite the transaction occurring during the promotion period. On XX/XX/2021 I emailed Chase again asking for an explanation of why the offer was not eligible and for the terms and conditions. Chase replied that " due to the time frame from when you offer was on your account the details are no longer available. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
THIS IS AN UNKNOWN INQUIRY THAT YOU ARE REPORTING ON MY CREDIT REPORT WELLSFARGODEALERSVCS XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX WELLSFARGODEALERSVCS XXXX XXXX, XXXX Unknown inquiry, please delete

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 2022-01-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. I XXXX XXXX as a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a XXXX, XXXX, or XXXX  law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) Equifax and XXXX is in violation of 15 USC 1681b ( 2 ). I never given Equifax and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Equifax and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. Equifax and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand Equifax and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Equifax and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been enrolled in the Public Service Loan Forgiveness program serviced by XXXX. I finished veterinary school in XX/XX/XXXX, and started making payments six months later. During that time period, I was working in a PSLF eligible position with the USDA. I made my payments on time, every month. I changed to a new PSLF eligible position for the University XXXX XXXX with only a one week period of time in between jobs ( equivalent to my accumulated vacation days ). I have recertified at the end of my XXXX employment ( XX/XX/XXXX ), and eligibility is confirmed. However, XXXX 's system only recognizes 5 of those payments. I have been attempting to get this adjusted by calling XXXX. I call XXXX once or twice a month to work on this issue. It has now been over a year, and XXXX operators still tell me that " it will be fixed, I can see someone working on it now. '' I have certified my employment at the University XXXX XXXX in XX/XX/XXXX, I have recertified in XX/XX/XXXX. XXXX has not updated my eligible payments. When I attempt to address this issue with XXXX phone operators, they seem confused and do not understand why the problem is not being worked on. I bring this issue up when I call XXXX once or twice a month. I make my payments on time and in the full amount that is due. I do this every month. 
The money that XXXX tells me is due each month seems incorrect. I want to be paying the correct amount. The XXXX operators have been unable to advise me on what amount I should be paying. I have asked if I should pay what I think I owe, and the operators have given me mixed opinions only. There does n't seem to be a policy to address this issue. Currently, they request that I make a payment of under {$6.00} per month. I make around XXXX annually, and the payoff amount on my XXXX account is over XXXX. I am not an accountant, but this seems very obviously incorrect. 
When I look at my individual loans in my XXXX account, my loans show that my last payment was in XX/XX/XXXX, but I have paid the total due, on time, each and every month. 
I have tried calling XXXX three times in the past 4 days. I am not able to get through to an operator anymore. I get a recording that asks me to call back later. I have emailed XXXX last week recapping this problem. I have not received an acknowledgment that anyone has received my e-mail. In the past two months, I have spent more than two hours per week on average trying to understand what I can do to fix these problems. In every instance, I have not been able to talk to anyone who can resolve these issues. 
Additionally, XXXX has LOST all information on any payments I have made prior to XX/XX/XXXX, and I think this may be part of the problem. Multiple phone operators have told me they can not find any payments before that date. I started paying into XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: GA
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 contacted the debt collector and set up a monthly payment arrangement. It still show a derogatory account on my credit and my payments are not being reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
COINBASE Delayed Transaction Your USD will arrive by the end of day on Friday XX/XX/XXXX. 
Created XX/XX/XXXX XXXX PST XXXX USD XXXX BTC Subtotal {$2500.00} Fee {$38.00} Total Payout {$2500.00} Today is XX/XX/XXXX. I have not received my money. I have send numerous emails and tried calling Customer Service with no luck. I have not received a response and no one answers the customer service line, they put you indefinite hold. I 've held for 2 hours, no answer. I really do n't have any idea on what steps to take to get my money sent to me. This company does not have customer service and no way to get information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.

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 2018-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
WELLS FARGO AND XXXX XXXX LIE STEEL AND CHEET OVER 50.000 DOLLERS PAID TO THEM THEN THAY SUE XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX FOR NO RESEN AT ALL WE HAVE PROOF WE HAVE PAID THEM THAY REFUSE THE MONEY SENT MONEY BACK TO MY BANK THEN SUE US FOR NO RESEN AT ALL WE HAVE SPEEND OVER 20.000 IN ATURNS FEES THAY TRY TO PUT ME IN JAIL THAY LIE TO JUGES HEAR IN XXXX XXXX CA

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 2018-01-16
Company: EQUIFAX, INC.
State: ID
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 am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with Equifax, bringing my XXXX score to a XXXX. My mortgage lender uses XXXX XXXX to pull credit reports & rescores. In an effort to bring my score up 2 points with Equifax, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points with Equifax! XXXX XXXX and lender had no idea how or why. XXXX XXXX contacted Equifax, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. Equifax corrected the information. However, according to XXXX XXXX, Equifax said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

Equifax is pointing the finger at XXXX XXXX, saying they corrected their mistake, and XXXX XXXX can request a new score. And XXXX XXXX is pointing back at Equifax saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by XXXX XXXX. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XX/XX/XXXX. Also, no one from XXXX XXXX will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to Equifax & XXXX XXXX is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, XXXX XXXX has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.

Company response to consumer: Closed with explanation