BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing sls.servicingloans.com XXXX XXXX XXXX # This company drafted a payment in the amount of {$1600.00} from a bank account WITHOUT authorization, and also the payment was taken form a bank account that belongs to another business. This happened in the past already!!! They serviced other loans in the past, we own several XXXX  that own XXXX XXXX. Not only did they mix up the bank account but also they drafted payment without authorization at least twice. This mistake messes up our accounting and it also has tax consequences!!! This is unacceptable, they MUST follow regulation, train their personnel or get out of the market.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the Equifax security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with Equifax, XXXX, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XX/XX/2017 a collection appeared on my report. its not mines.

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 2018-12-13
Company: CITIBANK, N.A.
State: CA
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 balance transfer

Complaint:
Citi Card company has kept charging me an interest although there has been no late payment ; I have paid in full or more money for the standard purchase every month. I called and visted their office, but their explanation was different every monthe. For example, first month ( XXXX ), they admitted their mistake and wavered the interest they charged. 
Next month ( XXXX ), they said there will be no interest if I paid in full for the standard purchase. 
This month ( XXXX ), They charged the intrest again even though I paid in full for the standard purchase. They said they have to charge interest until I repay whole balance including the balance transfer which interest should not be charged until XXXX, 2020. For example, I did balance transfer for {$6000.00} about six month ago as Citi Card said there will be no interest untill XXXX, 2020. For that reason, I paid a fee of {$180.00} for the balance transfer. I think Citi Bank is cheating people with the misleading advertisement and information. I attached Citicard statement for the month of XXXX, XXXX, XXXX, and 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 2017-02-11
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was discharged in a chapter XXXX bankruptcy, however the collection company does not own the debt, and they continue to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CITIBANK, N.A.
State: OH
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 setttled my Citi bank account LEGALLY. The credit bureaus & Citi have yet to update this information. Instead they updated it to that I made payment but still owe. The letter I have here showes proof that my obilgation to the debt has ben satisfied. I am in the process of gejtting a house and this information is making that process extremely difficult. This includes the negative payment reported for XXXX when my payment was made in 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 2021-06-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So I contacted Fifth Third and asked for some ways in getting old statements from 2019. I ALSO told them I was NOT receiving my statements monthly. We investigated and found out that Fifth Third did not send my whole statements monthly. Only the first page of the statements. Usually the lady said it's like 6 pages long explaining what was coming in and coming out every month of my account. She said they failed to do something on their end to fix that. So then I spoke to a lady who was very hard to understand. Hardly spoke English I then asked to speak to someone who did speak English she then told me there was no one available. I told her tons of times that i only wanted statements that was not to be charged for research. I kept telling her over and over I wouldn't have to do this is Fifth Third did not fail to send me my full statements. I then was charged XXXX on my account and then I called back to customer support and she said it was for research fees. She also said they was mailed out in XXXX and I have yet to receive them. The point I am trying to make is if they would of made my statements correctly I could of pulled them from my end and my files and I wouldn't of had to call them for help in the first place. So basically I was charged XXXX on my account and I still have not received those documents. I was only wanting the ones that was free so to speak and because this lady spoke not English she did NOT understand that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Back when I was a college student in XX/XX/XXXX, Bank of America reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because Bank of America was still reporting me for " account abuse ''. I am confused because five years ago in XX/XX/XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the XXXX entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently Bank of America switched my information with hers. Recently, we visited a local Bank of America branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. 

This has caused a tremendous amount of confusion and distress for me and my mother. I want the XXXX  entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
For clarity, this is a complaint regarding my Revolving Credit Utilization Rate you are INCORRECTLY reporting. 

Revolving Credit Utilization ( RCU ) accounts for 30 %, the 2nd most important factor, and is the basis of this complaint. For months now, my RCU has been incorrectly showing extremely high. I contacted XXXX to inquire, but was advised they only report information provided them by TransUnion ( TU ). They further advised I contact TU directly, and provided me a telephone number ( XXXX ). When I tried to submit a complaint on the TU website, I was not able to do so as their complaint process involves selecting a creditor from one 's credit report to complain against. This is not the case here ... it's not a creditor problem, it's a repository problem. I was unable to find a way on their website to complain against THEM ( TU ). Additionally, attempts to contact them by telephone were unsuccessful. No matter what options I tried, I was either provided information via automated recording, or referred to their website - no option to speak with a human. As shown on the first attachment, as of my XX/XX/XXXX XXXX statement, they ( TU ) are reporting my total RCU to be 80 % ( Total RCU debt of {$5300.00} ). Based on the 2nd attachment ( " Chart '' ), I believe this reported RCU to be incorrect. The chart shows each revolving credit account I have, the credit limit and balance for each since XX/XX/XXXX, and my RCU. As you can see, my RCU was at it's highest in XXXX  XXXX XXXX Shopping ), and is now down to only 4 % ... NOT 80 % being reported by TU. Even allowing for a 30, 60, or 90 day " lag time '' in reporting, the 80 % they're reporting is not even " in the ballpark, '' nor is the over $ XXXX in revolving debt, almost 10x my highest amount ( mine ranged from a high of {$560.00} in XXXX, down to the current low of {$130.00} ). The remaining four attachments are for documentation only. Specifically, the first page of each statement is included to document the figures on my chart ( 1st attachment ). These first pages are " packaged '' together into four pdf 's, one for each month XXXX thru XX/XX/2021.

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 2018-06-25
Company: Experian Information Solutions 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:
On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3.

HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information. 
( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my laps rpr recurrent incisional hernia reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.

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 2018-05-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I sent {$1500.00} worth of a specific cryptocurrency ( XXXX ZIL tokens ) to Coinbase in error. Understandably, Coinbase does not currently support this specific cryptocurrency but it does support Etheruem and the specific cryptocurrency runs on the Etheruem blockchain. I reached out to Coinbase to have the coins sent back to me but I was given a bunch of excuses as to why they can not, the representative I emailed even went as far as to say that my coins were lost. This is 100 % false! The coins were sent to a secure wallet in which only Coinbase has the private key to access, and with this private key Coinbase can actually access these funds at any time. I explained this to the representative and she responded that Coinbase only accesses the private keys under extremely limited circumstances. If it can be done and Coinbase is just simply refusing to do it, they are pretty much stealing and violating lost property laws in NYS and in CA where they do business. The process to send me back my coins that were sent in error would literally with no exaggeration take only one minute if I had the private key to the wallet, but only Coinbase has access to the private key and will not cooperate in sending back the coins to me. I have proof of the coins in the wallet belonging to Coinbase and as well all communication from Coinbase regarding the matter. Hypothetically, if the value of this coin went up to {$1.00}, Coinbase would be sitting on $ XXXX USD equivalence in coins, not to mention all the blogs Ive found online with people in the same situation, just holding on to their assets as well. Return our assets Coinbase!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were just made aware of a sale date, by a realtor, there was no letter from PHH or an attorney. The loan was transferred from Ocwen to PHH in XX/XX/XXXX. 
The mortgage payment was received by Ocwen and processed in our bank on XX/XX/XXXX the second modification payment, this payment was made with the Ocwen automated system on XX/XX/XXXX.The statement stated ( that we did not receive ) that Ocwen would stop collecting payments after XX/XX/XXXX. 
The payment was made before XX/XX/XXXX and the monies were withdrawn from the bank account on XX/XX/XXXX. None of the monies paid into this process has been returned or proof that these funds have been credited to the account. 

We did not receive any notice of transfer and finally when we were allowed into the account, of which belongs to the owner who is now deceased, and we are still trying to correct the accounts, the grandson is trying to take responsibility for this account, we can not believe that all of the same documents that was requested by Ocwen is being requested by PHH an Ocwen company.

We have submitted to Ocwen The Family Transfer Package New Homeowner Information Owner Occupancy Certification Assumption of Liability Agreement Applicant Identification Certificate Recored Property Deed transferring title from Estate of XXXX to XXXX Driver 's License Picture Proof of homeowner 's Insurance Evidence that you are a relative of the borrower Now we have submitted three modification packages to PHH with no response but another request for a Family Transfer Package, we completed all of these documents with Ocwen.

Ocwen said we had to do the Family Transfer, the assumption package and then the modification. 
While we are trying to find out what we really need to do to bring this loan current we are facing another sale date XX/XX/XXXX. 
When you call PHH all of the calls are circular We have tried to make sense of what we can do to save this family home, we have call and spoke to just to name a few XXXX, XXXX, everyone tells you something else and when you call back no one knows what you are talking about. They make appointments they do not keep. First when we were able to speak to someone in PHH, they had already closed the modification. We received mail from Ocwen who was already no longer servicing the loan? The money was taken from the bank account on XX/XX/XXXX, according to the letter that we requested concerning the change of servicing it stated that Ocwen would not accept any payments received after XX/XX/XXXX, they did receive the payment before and debited the bank account. 

Please help us save this home. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: EQUIFAX, 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:
XXXX XXXX ( XXXX XXXX XXXX ) Lost in court over a {$6400.00} Collection claim on XX/XX/XXXX I received a judgment in my favor. Since then it is still on my credit report negatively affecting my score. They have violated my rights and have slandered me to the point where I can not get a loan, due to the fact that this is still on my credit report for almost a year to the day. All three credit reporting agencys : Equifax, XXXX XXXX & XXXX are aware and are in possession of copies of my proof the judgment in my favor was mailed to all three of them XX/XX/XXXX. Since then I have received three months worth of updates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX from all of them saying the investigation results are verified and updated the disputed item was verified as belonging to you and information was deemed accurate ... .... I would like you to please send complaints to all three of them they are all in violation of the fair debt credit act as well as the creditor. I have called them several times and they will not give me an answer they will not give me anything to go on. I also received a letter from XXXX XXXX saying that XXXX XXXX was deleted from my credit report on XX/XX/XXXX but all three credit reporting agencys are still showing on my credit report and it is over {$9000.00} that is still reflecting negatively on my score I would also like you to send a complaint to them regarding this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2018-06-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemd {$18.00} reward dollars on XX/XX/XXXX. I thought I redeemed as XXXX  store card statement credit. Waited for a week. The statement credit did not appear on the online account website. Called customer service. They said wait until the XX/XX/XXXX statement to see the statement credit. Waited until the XX/XX/XXXX statement. Did not see the statement credit. Called customer service. They say I used the rewards for purchases and they made some adjustments and wait for the XX/XX/XXXX statement to see the redemption. I don't think I should wait 2 months to know how the XXXX store reward dollars were used.

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 2018-05-09
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a complaint # XXXX regarding an error on my title. I recently applied for a home equity loan and during a title search found an error from a previous lender. I refinanced a first mortgage and home equity line of credit with XXXX in XX/XX/XXXX. Both the first mortgage and home equity ( +closing costs ) were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, XXXX submitted a lien for the mortgage and another lien for the additional money extended to me to satisfy the old HELOC and closing costs. 

There must have been some confusion, my complaint did not refer to my current HELOC that now belongs to XXXX. This loan was recorded correctly and is current. My complaint is with the new mortgage dated XX/XX/XXXX described in the Consolidation, Extension and Modification Agreement. XXXX not only recorded the new HELOC, they recorded the refinanced mortgage and {$11000.00}, the portion of the new mortgage as a separate lien. I am disputing the recording of {$11000.00} lien, it is not valid. It was consolidated into a new mortgage {$120000.00}. This loan now belongs to Ditech and they have not been helpful in aiding me to remove the error. I am looking for a letter that states that the {$11000.00} was recorded in error to submit to the XXXX County Clerk 's office to have the lien removed. If you refer to the response from the previous complaint I submitted, this same conclusion was made. 

I am submitting the Clerk 's recording page dated XX/XX/XXXX to prove this lien exists.

Company response to consumer: Closed with explanation