BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had filed a complaint XX/XX/XXXX about my credit report and XXXX XXXX XXXX  is reporting my personal information, I have never done business with them. Also, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission 2 XXXX XXXX XXXX to release my medical information. I am aware that HIPAA does allowed for limited information about me but anything more their XXXX XXXX XXXX is only to be revealed with the patients authorization therefore my request is to fold as follows. 
Validation of debt a HIPAA authorization.

1. Please provide breakdown and fees including any collection calls and medical charges from XXXX XXXX XXXX 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
Please notify me when the above items have been deleted I am also requesting an updated copy of my credit report which should be sent to the address and the email listed in this report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for multiple American Express credit cards today XX/XX/2020 and was denied for all credit cards My credit score XXXX, annual income {$200000.00}, and employment 3+ years with same company. 

I believe American Express has placed me on a blacklist due to a delinquent account that was closed more than 10 years ago. It's unjust to hold someone responsible for a credit mistake for their entire life for something that can't be resolved. 

I believe this information is being used to deny me credit and American Express denies the existence of such a black list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2020-05-18
Company: Nextep Funding LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX, XXXX, in regards to an account with Nextep Funding. I advised the representative I was at work and unable to continue with the call at that time as I was expecting a work related phone call. The representative asked that I call her back later today. I advised her I worked late and would not be able to call back today. The representative continued to say " you are on the phone and when the call comes in you will know. '' She then proceeded to ask me questions in which I declined to answer and advised her if she would like to make an agreement to pay then to send it in writing to my address of record. She refused and stated that my credit is very important and it would have negative effects if I did not pay in full today. The company has already been reporting since XX/XX/XXXX to the credit bureaus. When I advised her that if I did not get off of the call, I would lose my job and not be able to pay, she threatened to " recommend legal action and negative reporting on my credit reports '' and would comment that I refused to pay. I disputed the balance owed ( as incorrect ) on XX/XX/XXXX with no response. On XX/XX/XXXX, I disputed again stating I did not receive a response within the allocated timeframe and requested the information be removed. This dispute is still active with XX/XX/XXXX and XX/XX/XXXX. I believe this company has violated both the Fair Credit Reporting Act and Fair Debt Collection Act with their illegal practices. I never received a letter to my address advising me that the account was moved to a collection agency or my right to dispute. They only send generic emails to the email address I provided at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had purchased a XXXX refrigerator from Costco during XX/XX/XXXX/XX/XX/XXXX using my Citi Visa card. As per the card member agreement. I get first two years of warranty from Costco/XXXX .3rd and 4th year warranty from Citi . 
My refrigerator is not working fine since XX/XX/XXXX. It's intermittent issue - it's not always cooling. I created a request with Citi Card benefits for this and they created Citi Card Benefits Request # XXXX. 
XXXX XXXX technician came in on XX/XX/XXXX and did the diagnosis. He charged me {$64.00}. 

Citi is neither telling me the right steps nor making these kind of reimbursements. 
Technician told me the compressor has gone bad and it requires replacement. But he has told me verbally and not in writing. 

But Citi can at least reimburse me for this {$64.00} in the meanwhile. It's a long pending case right now.

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 2020-05-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
NAVY FEDERAL DISAPPROVED MY LOAN DUE TO INSUFFICIENT INCOME. 
I JUST OBTAINED A VEHICLE LOAN FOR XXXX IN XX/XX/2019 FROM NAVY FEDERAL. 
I PAID THE LOAN OFF IN XX/XX/XXXX WITH A BACK PAID AMOUNT THAT I RECEIVED FROM VETERANS AFFAIRS. I OWE XXXX IN THE LOAN TO NAVY FEDERAL. 
I REQUESTED AND RECEIVED A LOAN FOR XXXX EMERGENCY FUND IN XX/XX/XXXX. I WAS GOING TO USE IT TO FIX MY ROOF AND THEN I WAS TOLD BY SEVERAL CO THAT I NEED A NEW ROOF ENTIRELY. AMOUNT XXXX. 
I ALSO HAD ISSUES WITH BASEMENT SEVERE LEAKING NEEDED WATERPROOFING XXXX - XXXX. 
I APPLIED FOR A LOAN TO BE PAID OFF IN 36 MONTHS. 
I MAKE XXXX A YEAR. 
I DO NOT HAVE ANY OUTSTANDING DEBT. 
I BELIEVE NAVY FEDERAL DISAPPROVED ME OUT OF RETALIATION FROM FILING AN ISSUE ABOUT MY CREDIT CARD REPORTING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took delivery of a new XXXX XXXX XXXX on XX/XX/2020. The 1st ( lease ) payment of {$390.00} was made at the dealership that day. I created a " payee '' on my Credit Union website using a " place holder '' for the account number, which I neglected to update before the next scheduled payment date. This resulted in my CU sending a paper check with an incorrect account number to Kia Motor Finance ( KMF ), which  could not process it. On or about XX/XX/XXXX, realizing my ( account number ) error, I attempted to make a one-time payment from the KMF website, which did not work. I called KMF multiple times during XX/XX/XXXX to ensure my repeated attempts to make payments in a timely manner were documented. A KMF agent told me in XX/XX/XXXX that the listed payment amount was incorrect because the wrong county tax rate had been applied ( by the Kia dealer presumably ) and that future payments would be {$360.00} ( KMF website still indicated {$390.00} as of XX/XX/XXXX ). The {$390.00} payment due XX/XX/XXXX was ultimately recognized/processed on XX/XX/2020 ( KMF requested a fax from my CU, which the CU reportedly sent ), which is 15 days after the due date, incurring a late fee of {$18.00}, which an agent reportedly waived as a courtesy. According to KMF, credit report exceptions are not sent until an account is 30 days past due, yet I had a late payment report filed with the credit agencies. On XX/XX/XXXX, my CU made an electronic payment of {$380.00} ( {$360.00} + XXXX for the " waived '' late fee ), which was processed by KMF on or about XX/XX/2020 ( again KMF needed a fax confirmation from the CU ). On XX/XX/2020 I contacted KMF to  ascertain why the website indicates {$390.00} is due XX/XX/2020 and discover how an account of 3 months age with two on-time payments could be charged multiple late fees. I reviewed the account history with an agent, who acknowledged the account history looked untoward and connected me with a supervisor, who said my electronic payments are actually sent as paper checks ( my CU disagrees ). The supervisor disputed that multiple fees were being applied and the line went dead ( I sincerely hope he didn't hang up on me ). As of XX/XX/2020 I have made two payments of {$390.00} and one of {$380.00} to an account that according to KMF should be due {$360.00} monthly.

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 2020-05-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called IQ Data first XX/XX/XXXX, XX/XX/XXXX and then XX/XX/2019 and left a voicemail each time. This was after I received a letter from XXXX XXXX XXXX XXXX XXXX that I owed a debt. I also reached out to XXXX XXXX XXXX XXXX to resolve the issue prior to contact with IQ Data International. Upon calling IQ Data International these three times I did not receive a call back until XX/XX/XXXX when the bill was sent to collections and reflected on my credit. Upon this call I received a response of derogatory language and refusal to handle or look at my dispute information. The only way you would look at my dispute information for which I had previously mailed was if I would give you my credit card as a placeholder. IQ Data said they would give me an email address for a supervisor to send my dispute information to. I gave my card to get the email. I sent the info immediately. The next morning the charge was made to my credit card. I immediately called my bank to let them know I did not authorize the charge and explained what had occurred on the phone with IQ Data. On XX/XX/XXXX I again talked with IQ Data after they received notification from my bank that I had not authorized the charge, they said they would charge me for bank fraud, make sure I would never rent again and my credit would be ruined. I asked to speak to a supervisor who then raised his voice at me and said that they would not review any of my dispute information and they would indeed take me to court, sue me and make sure I am brought up on charges. I said there is not justification for this as I did not authorize the payment they kept saying they had the call recorded. I said okay, great then a judge can review it and hear I was blackmailed into giving a card in order to get a email to send dispute information for my file to be reviewed. I have submitted 2 complaints with the XXXX and a review of the business to try to resolve this and they are to no longer contact me after this last interaction. I have sent dozens of emails with the dispute information to them showing the debt false. These emails include the DV information, ledger, laws, photos upon my move out etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Again XXXX XXXX my complaints are similar for the past years because OCWEN refuses to STEP down and do their part to address the situation. HENCE THE CURRENT LAW SUIT AGAINST OCWEN. Your company continues to enjoy skirting around my issues and responds with the same garbage change changing the date of the letters. Also XXXX XXXX the property and mortgage which I inherited at the time of my Mother 's passing was passed over to me. If you can read the items in the lawsuit, one of them is concerning assisting these homeowners, WHICH OCWEN HAS NOT. THE PURPOSE OF A LOAN MODIFICATION IS TO GET THE HOME CAUGHT UP. You provided me a loan modifications last XX/XX/XXXX which was NOT SIGNED because OCWEN PROCESSES MODIFICATION BASED ON ONLY IMCOME NOT INCOME AND EXPENSES. THIS IS AGAINST THE LAW. Again XXXX XXXX this is going to continue back and forth and I do n't see a resolution in sight because OCWEN just collects money and does not care about the welfare of the home owner. YOU ASKED ME TO REVIEW THE WEBSITE ABOUT THE CURRENT STATUS OF THE LAWSUIT. ALL I SEE IS GARBABGE ABOUT HOW OCWEN CARES ABOUT THEIR HOME OWNERS AND YOU HAVE HELPD LIKE XXXX. THAT 'S SOME PR XXXX IF YOU ASK ME. IF OCWEN CARED ABOUT IT 'S HOME OWNERS AND RESOLVING ISSUE THEIR WOULD N'T BE A LAWSUIT AGAINST YOU FROM THE CFPB. WOULD THERE BE?? THIS COMPLAINT IS ALSO GOING TO YOUR MEDIA RELATIONS DEPARTMENT. SICK SICK SICK OF OCWEN XXXX XXXX. OCWEN NEEDS TO BE SHUT DOWN WITH THE CURRENT LAWSUIT. THAT IS THE ONLY RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've had a hard time getting a job since moving grom XXXX to XXXX and fell behind in my credit card account and home internet service. I started a job on XX/XX/20 XXXX an XXXX XXXX XXXX. When faced with a possible account closure I took an advance and made a payment of {$300.00} when the minimum payment allowed was {$250.00} on XX/XX/20. On XX/XX/20 I paid the remaining balance, {$1100.00} and now I can not use the card because they placed a hold on my payment and told me to wait until the hold was cleared. This is Capital One, when I call, they make me wait on hold and eventually hang up on me. When I talked to them they said they need verification for the last payment, I already have that in an email but they won't even update my account to reflect the last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: SUNRISE CREDIT SERVICES, INC
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: Information is missing that should be on the report

Complaint:
XXXX XXXX Added two derogatory mark on my credit report Per XX/XX/XXXX Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-11-25
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently filed a complaint on XXXX XXXX XXXX and a third party company by the name of XXXX XXXX solutions. XXXX XXXX XXXX says that I owe money for a month I did not have service with them. I canceled my service with XXXX XXXX XXXX XX/XX/2019 and returned my equipment due to the service not properly working. A Technician came out twice and was unable to fix the problem. After canceling my service in XX/XX/2019, XXXX XXXX XXXX attempted to go in my account in XX/XX/2019 without my authorization. XXXX XXXX XXXX reported to XXXX XXXX solutions that I owed XXXX. After my compliant XXXX asset solution removed the negative information for my credit report. XXXX XXXX XXXX have sold my information to another third party company by the name of Franklin Collection services , INC. stating I now owe XXXX. This company have been calling and harassing me after being told numerous of times I am not liable for the debt owed. I would like for this company to stop harassing me and threatening to report negative and inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute

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 2020-12-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This mortgage was owned by XXXX who sold it to Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX ( XXXX ). 
This mortgage was purchased by SLS in XXXX, XXXX. I received a letter from SLS informing me of the purchase, but it stated XXXX would still service the loan, so the XXXX payment was made to XXXX. 
When SLS told me the XXXX payment was due, I told them it was made. We found out XXXX had sent this payment to SLS, along with the Escrow and all paperwork. It took SLS almost 30 days to acknowledge they located the payment. ( I had filed a complaint against XXXX over this ). 
In early XXXX, I received a letter from SLS saying they believed my homeowners insurance ( XXXX XXXX XXXX XXXX ) had lapsed in XXXX, XXXX, and had not been renewed. SLS stated they would wait for my response, then take out a new policy with THEIR OWN insurance co., at a much higher rate. I sent them the proof of insurance showing AUTOMATIC renewal in XXXX, XXXX until XXXX, XXXX. Next, a few days later, I received a letter and check from SLS saying I had an overage in my ESCROW Account, being {$3200.00}. I checked with the XXXX County, Fla. on our real estate taxes ( supposed to be paid from escrow ), and they were not paid. They should be paid in XXXX, XXXX. SLS could not tell me why the taxes were not paid. I finally asked they void the check and pay the taxes.

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 2019-02-28
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX

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 2019-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, LLC is reluctant in providing me the following information as requested under the FCRA and FDCPA.

I request under the FCRA & FDCPA ( thru this CFPB Portal ONLY ) that this company and affiliates furnish me the following : 1. Proof that they own the debt and verification that I owe the debt.

2. Proof and details outlining the North Carolina Statue of Limitations on expired debt.

3. Documentation of the agreement between the original creditor and current owner authorizing for such a collection on the assumed debt, including documentation of the fees and cost.

Company response to consumer: Closed with explanation