BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: GA
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 am disputing methods of verification for a bankruptcy listed on my XXXX report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from XXXX at XXXX XXXX on XX/XX/23 who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed XXXX does not and has not verified information in my file. XXXX sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but XXXX believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by 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 2020-12-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/XXXX, I used a 3rd party booking website, XXXX  to book 2 hotel rooms at the XXXX XXXX XXXX  in XXXX, checking in on XX/XX/XXXX and checking out on XXXXXX/XX/XXXX.The transaction was fro {$1000.00} which included a {$29.00} AMEX foreign transaction fee- for a total cost of {$1100.00}. 

On XXXX XXXX unbeknownst to me ( and without my consent or permission ) the merchant cancelled my reservation with the hotel. The merchant was not charged- and the merchant did not refund my money. 

I have filed multiple disputes with AMEX, and I have submitted proof to AMEX- ( in the form of a letter from the hotel ) -- that confirms my reservation had been cancelled, the merchant had not been charged, and as such, had I traveled to XXXX- the hotel would have turned me away for not having a reservation. 

I have submitted multiple disputes with AMEX- on the basis of theft ( I was charged for a service I did not receive ) -- and I have submitted copies of this letter to AMEX on at least three occasions. To date- this has not been resolved. 

Today, I received the following letter from AMEX : " At this time we do not have enough information to investigate this charge for you. If you could call us to clarify why you are questioning the charge, we will investigate the issue immediately for you. '' This is theft- the merchant stole my money- I've submitted proof of this to AMEX on multiple times, have spoken with customer service at least eight times, and this has been escalated at least 3 times- but I'm still being charged -- DESPITE my submitting voluminous proof to AMEX on multiple occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've used CFPB before to help clear up other issues that I had before that the banks didn't want to do on their own. The response was always a positive one. So lets see if you can make it 3 for 3 I was hoping you can help clear up an issue with Fay servicing. My loan was sold to them a couple years ago up till now I never had a problem with them. The Issue is they have not filed a release with XXXX XXXX for the property that I paid off in XX/XX/2021. I have made repeated calls requesting this to be done but as of this date no one has responded. I was in the process of refinancing my house to get a lower interest and to pay off high-interest loans. But by not having the release I can not continue with the loan process. 

The state of Wisconsin has a statute that states that lien holders must file a release within two weeks of being paid off. It's been five months and they've had more than ample time to file the release. Their disregard for Wisconsin law is causing me financial difficulties. I hope CFPB can help Fay services to understand their responsibilities and that thy do not end just because the loan is paid off. They still need to file a release with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I need a loan modification release from XXXX XXXX from XX/XX/2001. XXXX has since gone bankrupt and Freedom Mortgage has taken over their company. This loan was in my previous married name and my ex husbands name- XXXX XXXX & XXXX XXXX XXXX . I have contacted Freedom Mortgage twice now and they will not help me with this issue so I can trade in my current home for a new one and complete all the closing documentation. The title company has also contacted them for this without resolution.

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 2018-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I opened my Kohls credit card about 3 years. Since then I never used the card. The card has been sitting inactivated for years with a XXXX balance. On XX/XX/2018 I received a call from Kohls saying that my payment was past due. They stated that someone made a purchase at a store in XXXX in XX/XX/2018 for the amount of XXXX dollars. After late fees the balance added up to XXXX dollars. Immediately, I filed a fraud claim because that transaction was not made by me. Kohls confirmed it as fraudulent and removed the balance along with late payment fees. They explained to me that they would file a report with the bureaus and I also filed a dispute with XXXX. The case on both ends closed XX/XX/2018 and I was told that Kohls failed to remove the late payment from my credit report because they deemed it my responsibility. I then contacted Kohls but no one could explain the reason for this. I am now filing this complaint because I don't believe I should be responsible for a payment I had no idea was due. I also did not receive any statement or alert until XXXX. I am in the middle of trying to purchase my first home and this fraudulent incident really hurt my credit score which is going to cost me a lot of time and money for something I had no control over. The longer it takes the more my credit situation suffers and I subsequently pay more for interest and mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 was contacted by Neiman Marcus & was asked if I made a {$600.00} purchase to be sent to an address in XXXX, Texas. & I told them NO I did NOT make that purchase or authorize anyone else to do so ( & that is NOT where I live,, & so approx. onXX/XX/XXXXXXXX has erroneously recorded that XXXX Texas address as mine.Ive requested by mail & by email & a conversation with Neiman Marcus to make the address correction ( I live in XXXX XXXX ). So today I received a notice from XXXX that they updated my address, but only changed an apartment numeral ( which is still NOT MiNE ) I have no property in Texas! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I keep getting fraud calls, but today, a company listed as NCB MGT Srv INC on my caller ID called 2 times. Please see attached screenshots of the calls. I asked this person what the call was about and the female refused to answer what services they provide, refused to tell me her name, & refused to provide a web address, and asked to put me on hold, so I hung up. I XXXX searched NCB MGT Srv INC and found a web address as XXXX XXXX XXXX & called customer service # XXXX & spoke with XXXX on a recorded line as it is introduced as being a recorded line. I asked if she had my phone number in her files & what the company was about, I provided my current phone # and was advised I have no files that pulled up. Advised XXXX I would file a consumer complaint, as I received calls that introduces their company name. Please see attached photos of the phone numbers of the companies. Not sure if the caller from # XXXX is impersonating a lawyer, etc as this person did not want to identify herself. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtain ownership by grant deed of my address which is XXXX XXXX XXXX XXXX XXXX California before obtaining his property I went down to XXXX they said it was no leans no loans owed that was ever recorded against the property even with the previous owners the previous owner XXXX XXXX and XXXX XXXX which XXXX XXXX is deceased he has been deceased since XXXX XXXX late last year in XXXX Miss XXXX XXXX won a settlement against Ocwen loan servicing of its long and mortgage practices by the bureau the state of California XXXX XXXX XXXX XXXX and in XXXX of XXXX is when I gain ownership by grant deed of the property. 

Recently I was aware that the property has been sold on XX/XX/XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX mortgage servicing and I have several documents which is from XXXX courthouse for notice of vacate stating that my property was sold. I found a cp10 form writ of possession and included my documentation stating that I was done. The only owner of this property XX/XX/XXXX at XXXX XXXX which I was given a court date XX/XX/XXXX. XXXX. When I appeared on this date the judge neither called my name and it was my documentation that I filed for the writ of possession cp10 form instead he called XXXX XXXX  and XXXX and XXXX XXXX which XXXX XXXX is deceased when I approach the bench to notify the judge that I was the owner and I filed for this writ of possession the judge was angry and said where is the bank yelling where is the bank he kept yelling I said I'm the one filing this motion your honor he said what documentation what proof do I have of ownership once I showed him the ownership he proceeded to do an illegal motion on the bank 's behalf which is illegal cuz the bank wasn't even there I also notified the state of California XXXX XXXX XXXX XXXX and I am seeking other legal services at this time to correct this mistake I have documentation paperwork of everything that I'm saying is true and the person that XXXX XXXX  use to file a writ of possession for {$10000.00} for rent fees wish this never been a rented property they used a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX I ALSO TRIED CALLING AND THIS COMPANY NUMBER IS NO LONGER IN SERVICE TO MY KNOWLEDGE I'M THINKING THAT THESE PEOPLE ARE TRYING TO STEAL MY PROPERTY AND MANIPULATING THE COURTS TO DO IT PLEASE HELP AT YOUR EARLIEST CONVENIENCE THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-26
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
As a XXXX year American Express customer, I was recently dismayed at an attempt by your company to charge me almost {$600.00} in interest fees on my personal American Express card. I sent full payment for my XXXX statement on XX/XX/2022, and it arrived, on time, at American Express on XX/XX/2022, which was the due date for the payment. American Express sat on my funds and didnt process the funds until the XXXX and charged me ~ {$600.00} interest. I called today and was only offered a {$100.00} credit ( after remaining on the line for almost an hour ). 
When I made the payment on the XXXX, I immediately called American Express and spoke to an Agent who told me that I would not be charged any fees and made a note on my account. 
XXXX XXXX XXXX ( the bank I used to send the payment ) certified for me that American Express had the money on the XXXX of XXXX. 
Please note that as the AMEX customer representative told me, in 25 years as a customer, I have never asked for a credit for interest on my account. This is extremely disappointing behavior on American Express part. 
I ask for a full refund for the interest charged to my account ( ~ {$500.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been given conflicting information each time I contact FedLoan. I am a school teacher that has worked in a Title I school for over five consecutive years. I have payed over eight years on my loans and was due to have the rest forgiven within the next two. As a reward for my service, I was granted {$5000.00} in forgiveness ; however, I wasn't told that in doing so I would have to pay another ten years on the loan? That doesn't even mathematically make any sense. Once I discovered this and attempted to rectify, I requested that they add the {$5000.00} back on and allow me to pay off the remaining two years that I agreed to. They offered no resolution. There is no single person assigned to each case and there is no office to go into and speak with someone. Every time I call I get different and conflicting information and no one will assist me in clarification or a resolution. 

The last time I wrote to them and called, they said that I signed a contract ; however, the legal jargon they use is incredibly confusing. I didnt understand the contract ; the people on the phone refuse to explain anything and when they do, its usually wrong. It doesnt even make sense that that option even exists. How are my payments for the last 5 years negated?? It seems now that its simply a way to trap people that dont have law degrees. 

I'm a public servant that is supposed to have the support of the government and instead, I'm being financially abused. I'm in charge of educating our youth and am being punished for furthering myself to be the best teacher I can be. It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act The XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, XXXX, and Experian. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX infiniti fin svcs # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Ocwen Financial Corporation
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation