BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been dealing with this issue since XX/XX/XXXX when I started applying for help with PHH Mortgage/Ocwen XXXX and again on XX/XX/XXXX, for a reduction in my monthly payment by emailing them required application and financial documents to get assistance. I sent them this information by certified mail on XX/XX/XXXX for the XXXX time and tracking proved that they received it at PHH Mortgage Services/Ocwen XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX XXXX Attention : Mortgage Assistance ) on XX/XX/XXXX. 

I have not received a response from PHH Mortgage Services to the XX/XX/XXXX XXXX XXXX. But on XX/XX/XXXX I received a notice from XXXX XXXX c/o PHH Mortgage Services stating my monthly payment is going to go from {$2100.00} to {$2400.00}. I also received a mortgage statement from XXXX XXXX c/o PHH Mortgage XXXX XX/XX/XXXX, saying I owe them {$6700.00} on XX/XX/XXXX. This is almost exactly what the payment was before they modified the original loan from the company that went bankrupt. I have been in my home for 30 years and I have not been offered any assistance by these companies to help me stay in my home at XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2022 To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within XXXX days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

XXXX. Billing error XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is outdated and shouldn't be on my credit XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 




Sincerely, 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 2020-06-23
Company: BBVA FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted BBVA ( USA ) on XXXX XXXX about fraudulent charges on my account. Charges were made in XXXX. I XXXX   them and found out the online shopping is located in XXXX. The other one was XXXX. I never heard of this. The total amount is {$220.00} with foreign transaction fees. 
It took them 5 days to investigate these charges and I got a letter saying these charges were authorized. We never done these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: NCC Business Services, 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 submitted a dispute letter to XXXX advising that the debt reported for {$200.00} by NCC Business Service was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to XXXX and also to NCC Business and have also completed an identity theft affidavit along with my driver license and notarized statement. However XXXX continues to report this derogatory information on my credit file. I spoke with XXXX at XXXX fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from XXXX in which they have not provided. Please see attachments that were submitted to XXXX and NCC Business Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XX/XX/XXXX I removed all my money from my previous bank in Western, NY and took cash to open an account in XXXX, SC as due to COVID I attended a football XXXX XXXX. I open up an account XX/XX/XXXX at XXXX XXXX branch in XXXX, SC account number was XXXX with {$1400.00}, this was all my money the service rep name that opened the account name was XXXX XXXX at XXXX. I was in need of money and returned to the branch on XX/XX/XXXX to withdrawal funds as I wait my debit card and I was advised there was no money as the bank made a random business to close the account, I was in a very difficult situation as no money unable to eat, or buy gas etc. I was then spoke to the branch XXXX who stated there was problems with theft in the apartment complex where I was placed to live by the XXXX school and the reason for closing my account. It looked odd opening up account with all cash. Well they issued a cashier check on XX/XX/XXXX and where mailing it to me I asked for the cashier check to be cancelled but they said it could not be done that I had to wait 120 days if check not received then they would issue another cashiers check. As a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), I was lucky I was not homeless I can not tell you how difficult it was for me to buy food or gas with this situation they put me in. I spoke with my Uncle who is an attorney he wrote an email to someone he states is very high up in Bank of America in XXXX XXXX XXXX on XX/XX/XXXX she completely ignored him, also an attorney XXXX XXXX XXXX a cousin tried calling and got no satisfaction as well. I finished XXXX  school XX/XX/XXXX and went back to the bank to give them my correct address, they sent a, post card to me and I verified that address. Today XX/XX/XXXX I went to Bank of America in XXXX XXXX, NY spoke with a relationship XXXX XXXX XXXX who went above and beyond to assist us. She was even getting frustrated with the back office as she spent over an hour getting the run around. We learned that the cashier check was returned to them and destroyed on XX/XX/XXXX yet they did nothing about it they just kept my money and did nothing, never issued another check but they now said wait a week and I should receive one. I dont understand I opened the account with cash why do I still have to wait for a cashier check it may be another 120 days, how is this right? No money in over 5 months when I opened an account with cash and it was closed because of the area I lived in this is discrimination please help I could have been receiving interest they have cost me money and put me in a very difficult situation please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment receipt XXXX to my credit card XXXX on XX/XX/2022, but the payment is not reflected in the statement, now I have interests and and the principal unduly charged in my statement. 
There is an unresolved dispute with XXXX since 1 month ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I feel taken advantage of since my disputes are being ignored. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted 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 2019-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account with Equifax and XXXX XXXX and I have filed a complaint with your bureau. No one has investigated my claim. I even went as far as filing a XXXX complaint and still each entity set in place to protect me as a consumer has failed so I am trying one last time since I now have proof of this companies erroneous claims of an unpaid debt and obvious inaccuracies. I communicated via email with XXXX XXXX XXXX XXXX as instructed by whomever responded to the XXXX complaint and they sent me a spread sheet of payment history with their company. If you care to pay attention to the spread sheet it shows months on non payment however notations of re connection of service. How can a gas company provide me with service AND reconnect service without me paying for months on end? That just is not possible. I have attached the XXXX spreadsheet and a screen shot of the email communication confirming that the payments left blank is indeed what the company shows. Again i'm asking that this collection be removed because there's just no logic to their claim. I as the consumer should not be held responsible for a {$13000.00} collection from XXXX XXXX when its clearly an error on the gas companies behalf. They are refusing to admit fault and recognize that this does not make sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Millco Management
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, I was notified of a {$900.00} unpaid balance of medical collections. I immediately contacted the provider, as it should have been covered by insurance. They informed me that they had billed the insurance wrong, and would reprocess the claim. It was then approved through XXXX and a check was sent to me directly for {$700.00} to pay the collection agency, with a remaining balance of {$200.00} to be paid by my secondary insurance, XXXX. I believed the bill to be paid and never received any further notice. In XXXX of XXXX, I reviewed my credit file and saw the collections account was still there with a {$200.00} balance. I contacted AmeriFinancial Solutions LLC and they directed me to the provider, XXXX XXXX XXXX or XXXX West Virginia. I then contacted them and they told me that they never did bill XXXX and refused to bill for the amount since the hospital had been taken over by new owners. I immediately paid off the remaining balance, even though it should have been covered. I again contact AmeriFinancial Solutions LLC to remove the debt on my credit report and they refused. 

This should not be affecting me, as it was a business error by the provider, who made errors in billing. When I finally found out the issue, I immediately paid off the balance. Additionally, in the lapse of two years, they never once attempted to contact me to resolve the issue. Please help me in getting this debt collection removed from my XXXX, XXXX, and XXXX credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items. Specifics such as company names, account numbers and the reason for disputing are all in the letter I sent them last XXXX XXXX, 2017. Credit bureaus are supposed to store consumer 's information and if they did their investigation properly they should be able to send me copies of the documents or information they use to verify the validity and accuracy of the accounts I have been disputing with them,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: National Credit Systems,Inc.
State: MD
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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a rental property in XXXX, Georgia. I paid invoices for XXXX XXXX XXXX XXXX  online. The final invoice was paid X/XX/2017 in the amount of {$68.00}. I spoke with a rep regarding the late fee. I was informed to ignore the last fee. It would be removed once the payment was processed. 

Instead of processing the payment, XXXX XXXX XXXX XXXX submitted the invoice to a collection agency. A past due balance was reported on my credit report by LANIER COLLECTION AGENCY. I have received no communication from this company. 

As of today, XXXX XXXX XXXX closed my online account ; therefore, I am unable to provide a copy of the online payment that was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed an account that is misreporting information on my credit report with TransUnion. The account is listed as XXXX/XXXX XXXX XXXX. In my dispute, I initially requested that the debt be validated because the account was listed as negative, closed, and reporting late payments from XX/XX/XXXX. The dispute results stated the account was " verified as accurate and updated ''. I called TransUnion today to inquire about what information they had received to verify the account and the representative told me that the account was mine and that it had been updated electronically. The representative also told me that TransUnion was not responsible for providing me any information that XXXX/XXXX XXXX XXXX had provided to TransUnion. He also told me to contact the creditor directly, so after going back and forth for a while, I told him that I did try to call the number listed on my credit report for the creditor and the number was a sweepstakes number. I continued on, asking the representative for the address to TransUnion so that I could formally submit a request for the documentation that XXXX/XXXX XXXX XXXX provided and after additional debate he finally gave me an address. He also told me to XXXX XXXX and find an updated contact number. We concluded our call. After I XXXX " XXXX XXXX XXXX '' I saw on their website that ALL of their student loans were sold to Navient, so I XXXX  again and saw that XXXX/XXXX XXXX XXXX loans were sold in XX/XX/XXXX. I called TransUnion back and got a supervisor who I spoke to and advised her of my previous conversation ; I also informed her that it appeared that XXXX/XXXX XXXX XXXX sold ALL of their student loan accounts to XXXX so I wanted to know how could the disputed account listed on my credit report come back as validated when XXXX no longer owns the account and XXXX is not listed as the current provider on my credit report? I am submitting this complaint because I do not believe that TransUnion contacted anyone to validate this account. I also believe that TransUnion, and other credit bureaus, are not transparent with their disputing practices and they should be held accountable for their practices of damaging consumers credit. 

This is the link that I referred to above for XXXX XXXX XXXX that specifically states all student loans were sold to XXXX : XXXX 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 2018-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XXXX XXXX of 2017 I opened up a dispute against capital one because the falsely added something to my credit report which took my credit down from XXXX to XXXX. My dispute was completed and they were found in the wrong, yet my credit score only when back up by one point. That needs to be fixed because that had nothing to do with me, it was XXXX XXXX mistake not mine and I should not be punished because they cant get their information together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America has been finding ways to charge us overdraft fees despite us having enough funds in the account. 
I attached all the recent transactions. there is no negative balance. 

when I call I wait for an hour and half before I reach a representative and they hang on me randomly without warning

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