BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last 3 months, I have received a bill stating that I owe {$1300.00} and I have mailed in the payments in the form of certified check and send the payments certified with a signature to show the payments were received. Well with that being said PHH Mortgage states we are behind and we aren't. We are also in bankruptcy and we wouldn't be late because the company would foreclose on us. Our loan was changed over from Ocwen to PHH Mortgage and now it's saying our mortgage is with XXXX how confusing is this. A company that can't get their act together and has so many complaints against them but trying to mess a homeowner out of their home they have been paying for. Also, stating that a home that is only valued at {$24000.00} and the company pulls up these fake sites stating that the homes in my area are worth anywhere from {$50000.00} to {$250000.00} there isn't a home in my area that is worth that amount. Even the home next door with a tree that has grown through the roof and no one lives in the home because of its a run-down home with termites and all its not livable. But PHH Mortgage claims the home next door is worth {$46000.00} not possible at all. The area we live in is nothing but a run-down drug area and it's sad this company is trying to make something off people who are poor and struggle every day to pay for something that isn't worth nothing more than the value that the county states. It really upset me with all the mortgage companies being able to rip people off as they do. This company really seems like a scam without a doubt. I will be contacting a lawyer with this issue I'm sure I have a lawsuit. Also, our payments use to be {$400.00} and then they went up to {$440.00} and it wasn't supposed to stay at that but they have been getting an extra {$40.00} in a payment every month without anything showing where this is going. Bad enough Ocwen put us through XXXX now PHH Mortgage is doing the very same thing. I see that PHH Mortgage has had many lawsuits over the years. 

This started with Ocwen in XX/XX/XXXX and continued to be an issue this whole time. Now that my account was sold over to PHH Mortgage or XXXX in XX/XX/XXXX that is when the issues got worse to the point of them stating I'm late on my payments and not adding the payments that have been made and weren't late. I send all my payments with a certified check and a certified delivery with a Signature required so I know they got it. Before when I would call in it would say PHH Mortgage now when you call-in it says XXXX WHAT?? What kinda scam am I dealing with here nothing is right with this picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Sirs I have provided these requested information multiple times to Experian and XXXX. I can not access to my credit report since 2010, for over 10 years. All the questions and answers are not related to my SSN but someone else is using it. I get same reply year after year from Experian and XXXX that I can not provide any information to them online and by mail I get nowhere. I always repeatedly get same old answer ... 

What else can I do? 

XXXX XXXX. 

Please provide the following : One copy of a government issued identification card, such as a drivers license or state ID card, etc. displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc. Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue.

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 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of america close my accounts did not get a reason I still do not understand

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 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.

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 2020-05-03
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I received notification from XXXX my credit report changed. I checked and there was a collection account for Midwest recovery systems llc. I reached out to both midwest recovery systems and they did not have a valid mailing address on file and they never sent notification 30 days prior before this was placed on my credit report. I reached out to XXXX XXXX loans the original creditor and they do not have an account for me in their systems. The represenative from Midwest Recovery systems refused to provide me a mailing address or any information about the debt and refused to send out any paper notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HOW DO I OWE YOU {$890.00} DOLLARS ON A SECUDED CREDIT CARD? NFCU HAS NEVER EXPLAINED THIS. I DO NOT OWE YOU {$890.00}. DOLLARS JUST BECAUSE YOU SAY SO. I WILLSUE YOU IN SMALL CLAIMS COURT. THIS BANK IS FULL OF LIES. THE PRESIDENT OF THIS BANK CALLED ME A XXXX TO MY FACE ON XXXX XXXX IN VIRGINIA HE IS A XXXX. XXXX PHONE NUMBER XXXX IS BLOCKED BECAUSE I RECEIVED OVER 901 SPOOPHED CALLS FROM NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BBVA FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with BBVA Compass. Appears they charge fees whenever they decide to. I was charged {$10.00} from my account without them giving me an actual date. So I tried to call them today with 8 attempts, either I was disconnected from the robot call or someone from offshore. My account is set to speak with only someone in the United States. However these people refused to transfer my call. I 'm very disappointed with how BBVA handles banking for their customers and the phone reps should be educated on what the customer request. Their attitudes are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CITIBANK, N.A.
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 got the Pre-approved credit card via Citicard XXXX XXXX. However, when I submitted my application I got the application declined with the reason some collections involved in my credit reports. I worked with the collection companies and paid all collection off as Paid Off with XXXX balance. After two month with paid off my collections I could be able to obtain a Credit card from XXXX XXXX XXXX. However, as a XXXX member over 10 years, I would like to reapply the Citicard XXXX XXXX again so I can get the benefits from XXXX Member. I got declined again with the reason : " Too few satisfactory credit references were recorded on your credit bureau report. '' Citi card used XXXX to check my credit history. I have a copy of 3 credit Bureau, all three report I have NO collection. All past collections are paid off with XXXX balance for last 3-6 months. My question is why Citi card sending me the Pre-Approved application for what? I believe I deserve an approved card from Citi XXXX XXXX. I read online review, many people with active collections still got approved from Citi XXXX XXXX, why not me?

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 2020-05-03
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I was sent a letter by this company attempting to collect debt part of Identity Theft already reported to the Police Department. I have a credit fraud alert on my credit report and the agency has already been contacted to alert them of this but I keep receiving phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Navient Solutions, LLC.
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: Public record information inaccurate

Complaint:
I filed a chapter XXXX in XX/XX/XXXX ; which included Navient. I have informed XXXX several times by disputing the total amount showing up on my credit score. I had XXXX over 1 ago. Now my score is XXXX because every month XXXX is reporting inaccurate information on my credit report as well to other lenders. I called XXXX XX/XX/XXXX and was total it's not there issue to handle call Navient ; in which I did previously. Too no reveal. I Was told they would remove it from my credit report. But has not yet. This was months ago. Please stop providing inaccurate information on my credit report which has been because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
wrong primary name and previous names never used and primary address and previous addresses never used

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by DPT/ED NAVI.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I filed a chapter XXXX in XX/XX/XXXX ; which included XXXX. I have informed Equifax several times by disputing the total amount showing up on my credit score. I had XXXX over 1 ago. Now my score is XXXX because every month Equifax is reporting inaccurate information on my credit report as well to other lenders. I called Equifax XX/XX/XXXX and was total it's not there issue to handle call XXXX ; in which I did previously. Too no reveal. I Was told they would remove it from my credit report. But has not yet. This was months ago. Please stop providing inaccurate information on my credit report which has been because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX put a 10 year old debt on my credit that was discharged in bankruptcy and Equifax has made a mess of my credit score. Not only did they not delete XXXX ( I am currently disputing it for a 3rd time. They ADDED the 11 yr old bankruptcy BACK on my credit and they listed XXXX XXXX as being discharged in bankruptcy and that debt was never part of my bankruptcy. That debt is owed by me. I sent them the discharge papers, schedule of unsecured debts and mailing confirmation and no where listed is XXXX XXXX. Equifax is taking no responsibility for messing this up, refusing to make corrections, giving horrible customer service, telling me I need to DISPUTE things I NEVER put in dispute ( I disputed XXXX which the attached documents will support ). I have no idea why they took such a simple request and completely ruined my credit. I am in the process of buying a home and this is devastating. They should be held responsible for ruining lives. They are not the kind of business that can make careless mistakes like this!! It hurts the consumers and in this case ... sending proof of 1 company that needed to be deleted ( XXXX ) has now resulted in me needing to get a Bankruptcy removed and a company that was NEVER listed on my bankruptcy removed out of bankruptcy. This is a nitemare and Equifax is NOT helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.

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 2021-03-06
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
i can't get through to close my account. every time i called it say there is a high volume of calls. i've had a different account since XX/XX/2020. the information with the veterans administration is current. i haven't used the direct express account at all. except because my last covid relief payment was sent there instead of my current bank account. since then i have been calling trying to close that account. every time i've called there's the same message. also, when i've tried to transfer the funds to my current account i'm charged a fee to transfer it. it's never transferred. then i'm charged another fee when the funds and credited back to the account. i've had several other previous issues with this company. that, along with the fact that there is no checking, or credit reports issued, is why i changed banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX and Transunion. My credit scores were XXXX and 630+ respectively by credit co . I  received an erroneous report from XXXX school loans and my scored dropped more than 200 points. The error was correctef by XXXX and I have cleared 90 % of collections and my scores are still in the 500. The credit reports document that I am paying bills but score is still low.

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 2015-06-23
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am repeatedly being harassed by phone for debt collection I do not owe. I have been called numerous times for debt collection of different people I do not know nor have lived at this residence. Some examples ; XXXX XXXX, XXXX XXXX or XXXX, etc. I have asked on every occasion where I have been home to answer the calls that my number be removed. Each time I am " assured '' that the calls will stop. However, the next day the calls will start again. The calls will be for a new person that owes money. This company is listed as Credit Discount and Audit Company. The number listed is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: SC
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:
Made a purchase with XXXX XXXX in XX/XX/2020 for the amount of {$2400.00}. The company, XXXX XXXX took the vehicle back and the money was missing on XX/XX/2020. The company, XXXX XXXX, kept trying to defraud, scam, con, and swindle me out of more money to get the the vehicle from them. Citibank was notified of the issue. Issue is not resolved. Please see attached.

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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2020-05-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Huntington Bank.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities,  residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation