BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( 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 2018-06-25
Company: CMRE Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed my credit reports and noticed a collection account was posted for XXXX XXXX I never received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2017 a letter was sent to To : Ocwen Loan Servicing LLC ; XXXX XXXX XXXX XXXX XXXX ; New York Department Finance Legal ; XXXX XXXX Regarding XXXX XXXX XXXX XXXX We have requested a Discount/ Short Sale Payoff with a release of all claims for the property on XX/XX/2017 through the CFPB. 
On XX/XX/2017 we received a regular payoff quote from the correspondence Team at Ocwen. We have not received an explanation why we are being denied a Discount/Short Sale Payoff with a release of all claims.I 'm also requesting amortization schedule and all information that was requested from The AG Office in New York. As of today we are still waiting for the information Please advise,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Tried to link my pnc bank account with the app XXXX and other apps online and they never let me link my account due to pnc not allowing them to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When we bought our home, we had XXXX, then XXXX  XXXX XXXX, now Ditech We paid our mortgage for many years. When XXXX XXXX became ill we fell behind on our mortgage. Then we were offered a Loan modification and we thought that was really wonderful, but we paid ( 16 ) loan modification trial payments and each time we paid the required trial payments, we had to start over for some reason, such as the offer that was given us had expired and we had to be put into another loan modification offer. We don't know where the payments went or where they were applied. We constantly paid the trials and waited and waited never receiving the final loan modification documents. 

Ditech has not been considerate of any of the situation, they have not been easy to deal with. We have been submitting documents and as soon as we sens what they are asking for there is another request with a very limited time to send it in and when you do get the requests in there are more request waiting for you. We have Social Security Benefits and XXXX XXXX has a job ( salary ) and their son contributes and he has a salary. 
We have sent all of this to them more than once. We certainly would like to know what happened to all of the monies we paid in trial payment to XXXX  XXXX XXXX before they sent us to Ditech who fail to research of help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: ENOVA INTERNATIONAL, INC.
State: VA
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 IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF  THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT XXXX REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: AMERICAN EXPRESS COMPANY
State: NY
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 purchased an expensive hair dryer from XXXX and moved from XXXX to XXXX  before it was delivered and I called them to cancel it. 
They did not cancel it and misdelivered it. I lived in XXXX in a locked building. They either left it in the streets of XXXX or gave to wrong person. Amex, through my dispute, stood by the merchant, XXXX, who only provided a generic record it was left at the building. 
I never received it and XXXX has no records of leaving it with me. They paid for cheap delivery where the subcontractors misdeliver or leave things on the sidewalk. My credit card did not protect me and took the money from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, D.C. XXXX Dear Madam or Sir : I am writing to file a complaint about Chase Financial. Recently, I started a new position with XXXX XXXX, of XXXX XXXX, Maryland. I am a XXXX with the XXXX in XXXX, Maryland. As such, I am required to obtain a Public Trust clearance, which requires that I undergo a security investigation. This investigation may rely on previous investigations, including Department of Defense, other Federal agencies, and other private company background investigations.

During my security clearance, I was asked about my debt with Chase Financial. This debt was charged off on XX/XX/XXXX. I received a Form 1099-C and claimed this charged off debt as income on my XXXX  Federal income taxes. 

Initially, I could not find the one paper copy of Form 1099-C that I received from Chase Financial. I called Chase Financial on  XX/XX/XXXX to obtain another copy of the Form 1009-C from XXXX. During my phone call, I was transferred from the U.S. call center to a call center in XXXX, and then transferred back to the U.S. During this phone call, I was asked to provide my Social Security Number and date of birth multiple times to prove my identity. Despite all of this information, Chase Financial was unwilling and unable to provide me with an electronic copy of my XXXX Form 1099-C. I was asked to write a letter to their home office in Delaware, provide my original Chase account number ( which I no longer have ), my  Social Security Number, and my date of birth. Their sheer intransigence and excuses in this matter were quite frustrating. I was a XXXX employee in the past, and my information was hacked during the XXXX XXXX data breach. As you can imagine, I am protective of my Personal Identifying Information ( PII ).  Given the prevalence of electronic records, Chase Financial should have been able to e-mail me an electronic copy of the XXXX Form 1099-C within 48 hours. I am furious that Chase Financial continues to avoid operating at 21st century electronic records requirements. 

If you need to speak with me, I can be contacted on my cell phone : ( XXXX ) XXXX. My email address is : XXXX, if you would prefer to use email. Thank you for your assistance. 

Sincerely, cc : Representative XXXX XXXX Senator XXXX XXXX XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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: Problem with personal statement of dispute

Complaint:
Fifth Third Bank is using an autopay system which does not conform to industry standards, and does not indicate its shortcoming. Using their website or app 's autopayment option, selecting monthly recurring payments, and then selecting " Current Balance '' should typically pay whatever your balance is each month. For Fifth Third, it continues to pay whatever your balance was on the date you set up the autopay, without adjusting for new balances each month. This leaves clients thinking their payments are being made, when in fact they will not be if your balance goes up at all. This is at best simply not meeting the industry standard, and at worst is predatory behavior, as Fifth Third does not notify you of delinquent payments/accounts. I have found multiple Fifth Third users online complaining of the same issue. 

I received no email, letter, or call to tell me that I was delinquent on payments, despite an agent telling me on XX/XX/2020 that I should have been called every single day that I was delinquent. On XX/XX/2020, I was also put through to a supervisors voicemail with the understanding that I would receive a call back within 3 days regarding my issue, but never heard back. On an earlier call on XX/XX/2020, an agent spoke with his supervisor and told me they would remove the late reports from my credit reports, but then did not follow through. After the XX/XX/2020 call, the bank did, however, refund the late fees, which is not what I had requested. My credit score has dropped over 100 points, despite good faith efforts to make all of my payments on time. 

Because Fifth Third 's system is working as intended, they will not remove the delinquent records from my credit reports. The issue, however, is that the system itself is flawed, misleading, and predatory. I would like these delinquency reports to be removed from my credit reports to all major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Complaint submitted on XX/XX/XXXX to Transunion, XXXX, and XXXX. The have not deleted any incorrect information. The things reported in XX/XX/XXXX are still on the credit report this is XX/XX/XXXX ,11years. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.

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 2020-01-21
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notification that there was a change to my credit report. When I looked to see what the change was, it showed me that there was a payment made on an account from Pentagon Federal Credit Union. The account has been charged off and written off which shows on my credit report and has for several years. I have not made any payments on this account whatsoever. The credit limit on this account is only {$500.00} yet it claims the highest balance of {$550.00}. This is not the first time they have claimed I have made a payment that I have not made and they are claiming this account was closed at customer 's request which I did not do. Companies like to state that the debtor made a payment on the account because then it restarts the time and which they can show the account on their credit. It is called reaging and it is a violation of the FCRA and California civil code ( I have resided in California for 20 years ). I did not contact Pentagon Federal Credit Union because in my recent research, they are not registered to do business in California so I can not file a small claims against them. I have to file against them in District Court.

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 2021-07-19
Company: Avant Holding Company, Inc.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was approved for a loan with Avant in XXXX. This loan was settled as of XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a late payment. I emailed their support team via a support email provided on their website with no response. On XX/XX/XXXX, I received an alert that I had a balance of {$7000.00}. I checked online with my Avant account and it showed a {$0.00} balance and that the loan was settled. I called and was hung up on three times before finally getting through to someone who transferred me to a " payment specialist ''. XXXX verified that I did have a {$0.00} balance and told me to email their resolutions department and attach any details. I sent my XXXX credit report and screen shots of my account showing {$0.00}. I can not get through nor get a reply. They violate the FCRA by 1. ) reporting 4 years after the account is settled, 2. ) reporting the account as " charged off '' rather than " settled '', and 3. ) reporting that a balance is owed when my account clearly shows a {$0.00} balance. I have disputed this to all three credit bureaus, filed a complaint with the XXXX and am now publishing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: BROKER SOLUTIONS, INC.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I applied to refinance our mortgage loan to a 15 year mortgage at 2.50 % with New American Funding with XXXX XXXX as the loan officer. We started the transaction XX/XX/2020 with XXXX and his assistant, XXXX XXXX., we submitted all disclosures and documents by XX/XX/XXXX. On XX/XX/XXXX, I received additional loan disclosures from XXXX and submitted the same day. After that I did not hear from anyone until XX/XX/XXXX, when XXXX XXXX sent me additional loan disclosures along with asking my husband employer to submit many different forms because they changed payroll this year. However, besides the time it took to get the loan to close which would of been the end of XXXX, if I would not of canceled, is they sent me a disclosure with no explanation, but to sign due to charging me {$1100.00} for added points due to the rate was pass the lock date. This was due to how long their process was taking to go through the many channels to close a loan. XXXX tried to put the blame on me as we were gone for a few days at the beginning of the process and I had the necessary documents to his office by XX/XX/XXXX. He was not very informative or apologetic for the way my loan process was handled. Actually, they were more than happy to cancel the process. which considering my husband and I credit scores are excellent caught me by surprise. I would not recommend New American Funding to anyone due to how they treat their clients and the surprise fees at the end of the loan process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI has reported to XXXX that we owe {$250.00} to XXXX XXXX XXXX but we do not have any past due amount on our XXXX XXXX XXXX bill, our bill is current. I initially noticed that AFNI was reporting this debt to all 3 credit bureaus but I disputed it a few years ago and XXXX   and XXXX both removed it from my credit because it is not a valid debt. I have disputed it with XXXX but AFNI claims that that the debt is mine despite sending them our current XXXX XXXX XXXX bill with my phone number clearly shown. 

AFNI has a terrible reputation for trying to collect on debts that are not valid and I believe they are trying to scam me into paying them {$250.00} for a bill that I do not owe. 

I am happy to submit our current XXXX XXXX XXXX bill to prove that we do not owe them {$250.00}. Not only that, I am quite certain that XXXX XXXX XXXX would have cancelled or suspended our phone service if we truly owed them this money. We have had our phone service with XXXX XXXX XXXX since 2007 with the same phone numbers and XXXX XXXX XXXX can verify this. There is no way we could owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Equifax company because they didn't provided any of the documents that I requested to show any of the accounts were verified. They also sent me back information listing an address that is not mine, that I included in my initial police report of identity theft. They claimed that they verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So this merchant (XXXX ) on XXXX was offering to sell XXXX products at a very reduced price ( 50 % off ). After asking him about it, he told me he would sell me the method on how he did it. After purchasing, I saw that this guy had been using illegal methods to get his customers cheap products from XXXX. It involves ordering a product to a clients address, filing a return and shipping back something else in place of the ordered product. This is mail fraud and I wanted a refund for both of my transactions, however only 1 has been refunded. This guy has been using this to make thousands of dollars, as seen in the attached pictures. The method is also linked below. My dispute was closed without notice. I was told that the dispute would be resubmitted but that never happened. If there is no reimbursement given, this company is siding with the scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: VA
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 IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT EXPERIAN REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL

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