BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: NY
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  or Equifax didn't fix error, they ask me to send documents that I already sent. I will resend AGAIN FOR THE SECOND TIME, my social security card I lost it a few years ago please see passport and photo id

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
Experian or XXXX  didn't fix error, they ask me to send documents that I already sent. I will resend AGAIN FOR THE SECOND TIME, my social security card I lost it a few years ago please see passport and photo id

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 2020-06-28
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2020, XX/XX/2020, and several times in XXXX and XX/XX/2020 PNC has not allowed me to Access my account through a third party so that transfers can be made between my two domestic checking and savings account. I should be able to access my PNC account by any means I choose electronically, including signing in through another banks web access point. I have attempted on several occasions to connect my PNC bank account by providing my correct log in information to credit karma bank account. I am unable to do so. PNC is not allowing access to my virtual account online. This is a violation of consumer Account access to a virtual account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was furloughed without pay from my job on XX/XX/2020 because of COVID-19. My wife 's hours have been reduced because of COVID-19. Our income has been severely reduced and so I applied for forbearance of our mortgage payments. Citizens One, the loan servicer, has not responded, has continued to send notices that I missed the payments due XX/XX/2020 and XX/XX/2020, and has charged a late fee. 

On XX/XX/2020 I sent a message to, asking what my options were and what they were doing to comply with the New York State emergency regulations recently passed in response to COVID-19. On XX/XX/2020, I received a response that I should apply for assistance through a separate " Assistance Center '' ( XXXX ) which required registering a separate username. 

On XX/XX/2020 I created a username and applied for assistance through the assistance center. I received confirmation that " You currently have an active Request for Assistance! '' According to an assistance center support/FAQ page ( https : //loansolutioncenter.com/Citizens/en-US/Content/COVID19 ) according to the FAQ 's : " After selecting the button ( Got to Requirements List ), you may be presented with a message indicating that there are no requirements available. This is common for COVID-19 situations and simply means you are not required to upload documents at this time. '' As of XX/XX/2020, I have not received any response and my request for assistance is still active, but the status is unchanged. On XX/XX/2020 our account was charged a late fee. We have received a monthly statement showing that our payments are behind and at least two separate late payment notices, on XX/XX/2020 and XX/XX/2020. 

I now realize that my initial question about NYS emergency guidelines is probably inapplicable because ours is a USDA guaranteed loan. Under the Federal CARES ACT, according to the guidance issued by the USDA : " Effective immediately upon receiving a request for a forbearance from a borrower who attests to financial hardship directly or indirectly caused by COVID-19,  lenders shall provide immediate forbearance of the borrowers Single Family Housing Guaranteed Loan payment for a period of up to 180 days '' ... " During the forbearance options outlined above, no accrual of fees, penalties or interest may be charged to the borrower beyond the amounts calculated as if the borrower had made all contractual payments in a timely fashion. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: NY
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 uploading a letter from XXXX XXXX in regards to the XXXX account reporting on my credit reports. I have been disputing this account that it does not belong on my credit reports. The investigation was completed and shows proof the account is to be removed

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 2018-06-08
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
This loan was originally obtained in XX/XX/XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my Equifax report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XX/XX/XXXXas expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XX/XX/XXXX. I contacted equifax via telephone and the representative notified me that as of XX/XX/XXXX XXXX  reported that I was only 180 days late on the account. By my calculation a delinquency from XX/XX/XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to Equifax. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : Ocwen Loan Servicing. Loan was modified less than a year ago. I was told by several people that committed a lot of fraud. XX/XX/XXXX filed national UCC. Uniform Commercial Code 1 & 3 with state of Colorado. I have a commercial lien and agriculture lien on the property. The note was tendered 3x and accepted. But ocwen continued to bill me. Now Im in foreclosure. I have sense filed XXXX & XXXX to prove that house was paid for. I have changed my name. I went back to my birth name. My givin name. I have. Drivers license and ssn in my name. I gave and submitted to ocwen and XXXX XXXX but they never updated paperwork. They submitted foreclosure in my old name. I am a XXXX XXXX. XXXX. The United States is a profit Ferderal Corporation, is bankrupt and has to pay our bills. XXXX XX/XX/XXXX, a bank emergency was declared by President Roosevelt because of the insolvency bankruptcy of the U.S. Executive order 6073, 6103, 6111, 6260 ;  Senate Report 93-549, pages 187 ; 594 ; XXXX. New money promissory notes is is issued to the banks in return for government obligations, bill of exchange, drafts, notes, acceptance. My birth certificate was registered. Besides I didnt know about mortgage notes sold & securitization.See Senate document No. 43, 73rd Congressional record, 1st Session. XXXX XX/XX/XXXX. Since XX/XX/XXXX we have been in a state of national emergency. Under UCC Im able to discharge debt. I tendered the mortgage 3xs. I have recently learned that their is 2parts to a mortgage. And the note is continuously being sold. And then their securitization that no body tells you about. Your mortgage has a cusip number, your house is being traded on the stock market and they get the money. Everything you thought belongs to you doesnt because they have cusip numbers on everything that you thought you owned. This is all fraud. My name, my all caps letter name, my straw man is a business along with my birth certificate being registered with Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
US Bank Reliacard has told me to contact Louisiana XXXX XXXX, and they RARELY answer the phone, and when they do, and not hang up on you immediately after sitting 2 hours with you waiting to literally hang up in your face. or send another card another card. I have recently gone through 3 US Bank cards, all with a XXXX balance, when my Unemployment has sent me a total of @ {$700.00} strictly unemployment, and about {$2000.00} for the CARES ACT. Someone please solve this conundrum for me! This has gone on for a very long time, and whoever is reading this, please help!! Times aren't exactly kosher at the moment. 

Thank you, XXXX XXXX XXXX XXXX is the laziest employees I've ever had to deal with on the phone, and US Bank XXXX XXXX is not far behind them, where I wait about 1hr 30 min on average to speak with a human being.

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 2020-09-23
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was called by receivables performance network to settle a debt and after coming to an agreement I paid what was owed. Since then ( About a week later ) Ive still been getting calls from this company in request to pay the bill, after I give them the requested information they see the bill was already paid and say it was a mistake, but they keep calling. Ive already requested them to stop calling. But I keep receiving calls when Im at work, when Im in class  and at this point I feel harassed. I have XXXX  and XXXX issues and this is very XXXX  distressing. Today I spoke to a call rep by the name of XXXX who laughed when I requested to be escalated to manager XXXX who although she said she would do something about this also basically brushed off my concern.

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 2018-10-18
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 XXXX XXXX XXXX XXXX Va XXXX dob XX/XX/62 SS # XXXX Experian will not delete or correct the account for XXXX XXXX on my report I closed the account and I was never late and it showed late after I closed the account because of the billing date. this has been corrected by XXXX  and XXXX  but Experian will not the simple mistake. if they read the last payment date it will show it a mount before the close date and the late payment date. simple math!!!!!! if fact them had to send me a check for the over payment after the account was closed. 

Fix : correct the late payment if this is too hard!!!! simply delete the account

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 2021-05-06
Company: Synovus Bank
State: OR
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 make my payment and they charge me a {$10.00} fee for making the payment and then they do not apply the funds for 10 days after I make that payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
# XXXX  I signed up with the intended purpose of a prior account to be forgiven because I was misquoted a price. Sunrise credit and XXXX account are the same account associated with my address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My concern is that my name was intentionally altered and not by me in government broadband internet and help. A representative from sunrise credit put words in my mouth telling me people scam all the time ; not me in regards to this account with XXXX  a third time now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I don't have any ties with this company or collections agency. Please remove from my report. I have contacted the company.

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 2020-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

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 2018-06-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I requested my annual free credit report from Equifax earlyXX/XX/XXXX. I received a letter stating that they needed identification data to process the request, dated XX/XX/XXXX. I sent the documents with the letter to the company - should have been received by mid XX/XX/XXXX. I called the company on XX/XX/XXXX to follow up. They had no record of my documentation. They could not even contact the mail room to ensure my documents were received. At this point I believe my documents are being processed erroneously. I did get a fax number for the company and faxed the documentation with a cover letter that day. I waited until XX/XX/XXXX to follow up with Equifax ( as I was told it would take 48 hours ). That was false. I was on the phone with XXXX and XXXX ( a supervisor ) and was told that the 48 hours was only how long it would be to upload the documents. Equifax still does not have record of my documentation. XX/XX/XXXX. I received an email stating " Equifax has completed your dispute for Confirmation Number XXXX. '' This is actually false as well. They updated my file stating I have a dispute but that is all. I was not able to upload my documentation to the web email to Equifax. This is yet another failure on the part of Equifax. I called Equifax, ( XXXX  and XXXX  ) and got a secondary fax number and sent my documents for a 3rd and 4th time today, XX/XX/XXXX. This entire process is unacceptable on the part of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This process is a result of a Joint Credit Pull for a house and we found out about this ... .On XX/XX/XXXX, I, XXXX ( XXXX ) XXXX , started a validation process with SEARS/CBNA in reference to account # XXXX and sent them a Certified Letter asking for validation of debt within 30 days ( Exhibit A ). I didnt receive a letter from SEARS/CBNA, therefore, on XX/XX/XXXX, I sent a final goodwill letter attempting to clear up the matter ( Exhibit B ). I did received a letter dated XX/XX/XXXX from SEARS/CBNA, also known as Citibank, stating that the debt was sent to an collection agency, XXXX   XXXX ( Exhibit C ). A letter was also sent to XXXX XXXX and their attempt to collect debt stopped. After receiving numerous letters from a new collection agency, XXXX XXXX, a letter was sent to them to validate debt on XX/XX/XXXX ( Exhibit D ). A letter was received from XXXX XXXX stating they were forwarded my letter to Citibank for review and suspending all collection activities ( Exhibit E ).

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 2019-11-15
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage via online through Citi bank at XXXX XXXX  and while trying to finalize the payment during the last step a red pop up came up and stated error please try again later. Then at XXXX XXXX  I logged back on and made the payment and it allowed me to complete the last step and pay the mortgage. But when I looked at my account it had two debits for both payments pending. I tried to stop it online but was I unsuccessful. I called Citibank and after a ridiculous 20 minute wait and vetting process finally spoke to a representative who informed me that they could not help me and transferred me to another representative who told me to call XXXX. XXXX is the company who services my loan. XXXX   representative tells me that they cant refund me and j would have to go through Citi mortgage and they gave me the number. I then called Citi mortgage and they told me to call XXXX, so I asked to be transferred to a supervisor who then Gave me more of a runaround and absolute nonsense. How can I not get a refund on my money from my bank when clearly a glitch in their system cause this issue. All I want is my money back from the double payment. Please help because they wont

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