BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been sending payment for my home line of credit, the bank has been applying the payment to my mortgage. I have attempted to resolve this issue with Bank of America they have said they investigate the matter and have not and this has been going on since XX/XX/2020. I was in a bankruptcy and it was closed XXXX of this year the bank has been receiving payment for both mortgage and line of credit the whole time and making the trustee payments. I am now getting letters of delinquency and I don't know where else to turn, I went back to my bankruptcy lawyer who said he can not help, and when I came to a HUD agency they suggested filing this complaint since I have exhausted all other methods.

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 2021-02-04
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been attempting to file disputes of my credit report to Citi Bank. All of my credit reports, XXXX, XXXX, and XXXX  do not have the correct monthly balance. They stopped reporting to the credit bureaus after my XXXX statement. They have attempted to start reporting the XXXX balance but it does not match my credit card statement. I have file disputes with all of the credit bureaus and have had daily calls into Citi bank to try and get this fixed. II have sent in several faxes to their dispute department and they have come back with " inssufient information or No issue found ''. For the Months of XXXX and XXXX, all my reports are showing " no data available '' Citi bank has not been helping me, and seems like they think there is nothing wrong. I have about 15 different credit cards and this has never happened before. It should be a simple fix since they have copies of my credit card statements, but they will not fix it correctly.

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 2021-09-10
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: Their investigation did not fix an error on your report

Complaint:
Good afternoon to you. I am submitting this compliant to CFPB due to multiple attempts to peacefully resolve this ongoing failure to report and conduct a proper investigation of an account on my Credit Report : XXXX XXXX XXXX. I have made at least 5 attempts total with XXXX and Transunion. 

I reviewed my credit report with XXXX XXXX and noticed a discrepancy on my account in terms of payment with XXXX XXXX XXXX from the period of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well a issue of double reporting with XXXX XXXX between the period of XX/XX/XXXX and XX/XX/XXXX. I enclosed documentation and contacted furnisher XXXX XXXX XXXX to make a request of requesting Credit Dispute Response from XXXX and Transunion showed multiple inaccuracies on my credit report stemming from XXXX not reporting XXXX, XXXX, Terms, payment history as well of personal identifies : Previous address, Phone number, and Scheduled Payment. On Transunion 's end there were multiple errors as well I pointed out from Inaccurate phone number, Previous Address of XXXX XXXX XXXX XXXX XXXX, PA XXXX does not exist, and the most blatant FCRA violation on the Credit Responses on multiple times from Transunion did not show no notice of Transfer Status which is an automatic violation to have this negative account to be removed from my credit report. I also enclosed these responses from Transunion and XXXX to Transunion to show clear factual evidence of XXXX XXXX XXXX employee, XXXX XXXX reporting inaccurate information multiple times. If the furnisher is supposed to report complete and accurate information to all vendors consistently and it appears this is not the case. I am formally requesting my only remedy is to have this negative account removed from my credit report. I will not accept no other remedy due this is impacting my credit worthiness.

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 2019-03-22
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been disputing a charge on my XXXX XXXX Rewards credit card. I first reported the charge in XX/XX/2018. I have sent several correspondences and have called the credit card company on several occasions. Today they are telling me that I am responsible for the charge because it is out of the allotted time to file a dispute. The credit card has reversed the provisional credit and have changed me with a late fee on that of that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
Many attempts made to correct inaccurate information placed on my credit report, late payment of the account is inaccurate. The payment history of the last purchased item is not available which reflects an inaccurate history of my credit account as well as the balance history of the account, please remove it from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: WESTERN ALLIANCE BANCORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Bridge Bank/Western Alliance Bank/Torrey Pines Bank ( they have so many names I've lost track! ) funded a small business loan plus line of credit. We've been requesting a forbearance/deferment/flexibility given the pandemic and our inability to service our current loans with them right now. Our business has been impacted by 90 %. We've been trying to work with them since the second week of XXXX, however, they've REFUSED to help us during this time. We've been struggling to make our payments in general and continue to have a hard time. Given we're over a month late making our payments at this time, they have THREATENED US and stated they WILL PURSUE FURTHER ACTION AGAINST US. This was stated by a Vice President, XXXX XXXX, of their company which is totally unacceptable. They have issued numerous late fees, etc., and continue to threaten us rather than help us. Thanks in advance for your attention to our matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview loan servicing is who services my mortgage and escrow. In the first year of owning my first home they have changed my payments 3 times. Stating escrow balance has been to low or negative. I have my original escrow account disclosure and to my best knowledge it is accurate. They over estimated the amounts and I shouldve had a cushion at the end of the first year. Instead Im negative. Lakeview can not explain how this happened or when I talk to different departments they cant give me the same answer. One department says I was overcharged, the other says I owe. Wait times to speak to someone are routinely over an hour long. Ive called 6 times starting from XXXX. Im am on hold as I write this ( 1 hour & 35 minutes so far ). Ive asked for a new escrow analysis and was told 3 have been done so far. They also admitted to making a mistake on one by not including my hazard insurance, then charge me {$1300.00} for insurance that that has already been paid. Customer service department says the money was refunded to escrow, their collections department says it was not. Ive requested a new analysis so I can do their work for them and figure out where they are making the mistake. I asked on XX/XX/19 and today ( XX/XX/19 ) I was told there are no notes for a new escrow analysis or one in progress.

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 2018-03-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Barclay 's bank has on a continuous basis called me when I have requested them to send statements and they have not. They call before XXXX and when I make a payment over the phone, it does not get recorded and they call again the next day. I have on several occasions told them not to call me after XXXX which they continued to do. Also I am never late on payments but they don't record automated payments timely and then mark me late on my credit report. For example I called Barclatys on XX/XX/2018 to pay off my account and gave them full information on the automated line and got confirmation. Looked at my credit report today XX/XX/XXXX and they marked me late again so I called and made a full payment of {$1600.00} again and my confirmation number is XXXX. This has happened over and over again with Barclays and they continue to charge late fees, report me late on my credit but in fact there automated system has a flaw. I need my credit report updated to no late payments as I have continuously made payments and now my account is paid off..never want to deal with them again. This is absolutely ridiculous.

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 2018-03-22
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter that I owed XXXX XXXX XXXX for unpaid debt. XXXX years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX XXXX XXXX XXXX. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XXXX XXXX, 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2019, I mailed a certified letter with supporting documents to Equifax disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Equifax refused to correct the account information. Instead, Equifax entered a comment on both accounts that states " consumer disputes account ''. 

On XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX  refused to correct the account information. 

XXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX   credit report shows that the XXXX and XXXX accounts were both included in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home in XXXX  XXXX  and the amount was {$66000.00}. Due to the mortgage financial meltdown around XXXX, the U.S Government closed GMAC the prior servicer and a new servicer came by the Ocwen. The New Servicer Ocwen sent a Modification document. Ocwen increased the unpaid balance from {$58000.00} to {$85000.00} and the Maturity date from XXXX to XXXX. Also, the modification was not signed by one of the original owners meaning a signature was missing or forged by ocwen. 

My concern : 1. Why the unpaid balance increased from {$58000.00} to {$85000.00}? 
2. Why the Maturity date changed from XXXX to XXXX? Why 6 Years extra? 
3. Who authorized Ocwen now PHH Mortgage to steal or deceitfully rip us off? 
4. Should the $ XXXX added to the principal ( {$27000.00} = {$85000.00} - {$58000.00} ) or unpaid balance enough for the two ( 2 ) years Ocwen stated we didn't pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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:
This mortgage was closed and paid in full to XXXX during a refinance. XXXX is reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XX/XX/2019.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased two MasterCards ( {$200.00} each ) from XXXX XXXX at XXXX XXXX XXXX, California store on XX/XX/2019. During the check-out process, one of them wasnt activated at all and they refunded me immediately ( {$200.00} ). Another card got processed successfully and my credit card was charged in full ( {$400.00} ). However when I tried to register the " activated '' card their website said the card wasn't activated and I couldn't register it and the balance was XXXX. 

Since then I have had several calls with BlackHawk customer service ( XXXX ) and was told to fax in details during every single call because they kept saying they didn't receive the fax. I have done faxing for six times on XX/XX/2019, XX/XX/2019 and XX/XX/2019 ( every time I faxed twice and all of them were successful from my end ) but still didn't get any response from them until today XX/XX/2019. 

The worse thing is now I can't even call their number using my cell phone because their phone system seems to automatically block my number. I tried another two different landlines during the last week and both of them ended up getting blocked after first time successful call. 

Now I'm stuck with one piece of plastic card which caused my {$200.00} and have no way to get my money back because all the phone numbers I used to call are now blocked by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Designed Receivable Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid with XXXX XXXX XXXX and they said they would remove from credit report. Still not removed years later

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: PA
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:
At the end of XX/XX/XXXX I received an offer from XXXX XXXX to apply for a loan, which was then denied due to an outstanding collection I have. I was not aware that I had a collection in my credit report until this occurred. I have now learned that there is a collection against me from a loan I cosigned for years ago. 

When I look at my credit report I see in XX/XX/XXXX there were a few ( three I believe ) late payments from the owner of that cosigned account. Then after XX/XX/XXXX it  shows a {$0.00} balance and green check marks as if the account was then caught up and current. I also did not know that the payments had fallen behind that year, I never got any late payment notices and my credit score did n't change. The balance to that account showed {$0.00} in the last year. I thought the primary owner of the account had paid it off because there was no other information provided to me. 

Now there is a collection on this account. Only in XX/XX/XXXX did I receive notification of collections in writing, which is well after it has started to show up in my credit report as a negative impact. I tried to dispute this with the credit report agency, they ignored my complaint, and I also complained to this agency but since I did n't have any info on the collector nothing could be done. 

Now I have a letter from the collector, it is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX. Again, this is well after it has negatively impacted my credit when I was n't even aware that the debt still existed, and when I did discover in in XX/XX/XXXX I was given no means to catch up with any payments. Now it 's due all at once and I can not pay it as such. 

My credit history is perfect otherwise, I have never had a late payment registered anywhere since my credit history began. I never would have let this become a collections account if I knew about the issue. I think my own credit history ( not the cosigned account and collection ) is proof enough of that.

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 2018-04-12
Company: Debt Recovery Solutions, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I called Debt Recovery Soloutions spoke to a XXXX was offered a settlement on my debt with a debt i had from XXXX from 5 or 6 years ago for the amount of XXXX. i sent two payments from my checking account one for XXXX which cleared my bank from the creditor on XX/XX/XXXX check # XXXX and another for XXXX check # XXXX which cleared my bank on XX/XX/XXXX i called the company to see if they recieved my payment since it shows it was cashed through my bank and the answer i recieved is no, they don't have my money even though they cashed my checks an my payments have not posted as far as there concerned, i called my bank to see if i can dispute these transactions since the company is stating they dont have my money i was told no since the company has recieved payment an checks have been cashed i can not be credited or get my money back, I spoke to a XXXX XXXX who is supposebly the Vice president of client services for Debt recovery solutions and i was told that this would be looked into and i haven't heard anything back the only thing i can think of is maybe someone at the company pocketed my money or posting error i have no clue but there is XXXX of my money that was cashed but yet not credited an company states they have no record of my money. Also upset with XXXX XXXX serve for not crediting my account bank and looking further into dispute for me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the financial crash i applied with Bank of America to get a loan processed through the making home affordable program, the bank continually lost the modification information or just said it was not sent and was confirmed by employees to be in the database, this was Country Wide loan originally was finally modified with all the fees attached that were not due to me but solely due to Bank of America loosing information or just lying saying it was not sent. It is now with XXXX XXXX and is a predatory loan that is more then I can get refinanced and has a really bad rate with no value in the house due to the added on fees from Bank of America i have continually tried to get this modified but i am now unsuccessful due to the additional fees added to the modification by Bank of America. 
the payment for this loan is increasing from {$2500.00} to {$3900.00}. This is making the loan very hard to pay and the house is worth less then the mortgage amount. 
As this loan has been moved from County wide to Bank of America to XXXX XXXX to XXXX XXXX I can only reference the original problem cause of Bank of America

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