BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Creditors Bureau USA has contacted me several times regarding an expense for a test conducted by XXXX XXXX that was covered by my insurance. XXXX is intentionally trying to double-bill me. On XX/XX/20, I was contacted by them again after my insurance company, XXXX, confirmed that I should not be billed for the expense. The caller lied on the recorded line and said that he spoke with XXXX and that they said that they did not cover the test. I requested not to be contacted by Creditors Bureau on a recorded line with the same caller. Today, XX/XX/20, I received an additional threatening call on a recorded line from Creditors Bureau USA even though I had requested to not be contacted by them again. The caller said that he erased my phone number, but they will continue to try to contact me even though I requested that they do not on the recorded line. Both Creditors Bureau USA and XXXX XXXX have tried to extort me for a bill that I do not owe money on because my insurance plan covered the test.

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 2019-10-31
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX/XXXX  XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX/XXXX   XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX/XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX {$350.00} not mine XXXX XXXX XXXX XXXX XXXX {$1200.00} not mine XXXX XXXX XXXX   XXXX {$840.00} not mine INQUIRIES XXXX   XXXX/XXXX XX/XX/2018 unauthorized XXXX/XXXX  XXXX  XX/XX/2018 unauthorized XXXX XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized XXXX XXXX, XXXX XXXX XX/XX/2018 unauthorized

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 2018-03-28
Company: Quality Asset Recovery LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Quality Asset Recovery ... # XXXX hasn't sent any correspondence in regards to this debt or responded to letters i've sent. Quality Asset Recovery isn't bonded to collect debt in Georgia.

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 2020-09-24
Company: EQUIFAX, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We began our application with Citizens Bank in XX/XX/2020. We were applying for a construction loan that would convert into a regular mortgage. After many months of providing the requested information they required repeatedly and satisfying all their requests, we decided to Withdraw/Cancel/Terminate our application on XX/XX/2020 via email. Our financial consultant at XXXX XXXX also provided Citizens with all the information they requested many, many times. 

Today, XX/XX/2020 we received a letter via email that they were DENYING our loan application. XXXX days after we cancelled our application, we receive this DENIAL letter, dated XX/XX/2020, totally ignoring our email demanding that they cancel our application on XX/XX/2020. 

Unfortunately, at this point, we have lost much time as well as a drop in our credit scores due to the unnecessary hits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Due to the fact that we moved our residence, I did not receive my XXXX credit card bill where I made an unusual charge on XXXX XXXX for {$110.00}. When the XXXX statement arrived at the new address, I had forgotten about making the charge, so I didn't tell my husband ( he does the bill paying for the household ) and he never opened the bill, mistakenly assuming it was zero balance as it had been for many months. When the XX/XX/2019 bill arrived, my husband did open that and discovered the balance owed ( which now included two {$38.00} late fees plus interest ) and immediately paid the balance of {$180.00} on XX/XX/2019 via phone pay. The next day, we received a very curt letter in the mail from B of A dated XX/XX/2019 informing that my credit line had been reduced from {$16000.00} to {$500.00} due, in part, to current or past delinquency. WOW, such drastic action to take over a small missed payment. I have maintained an excellent credit rating with no other late payments with B of A or anyone else. I had this particular account for many years with no problems. Yet, because of one small mistake my credit line is decimated, {$76.00} of fees are taken on a {$110.00} balance, and now my credit standing is damaged. 
I wrote a letter to B of A explaining this very honest mistake that was made by a very good credit consumer and asked for one of the fees to be refunded and the delinquency to be rescinded from my credit report. I thought this was a very reasonable request. Instead, I received another curt response from B of A dated XX/XX/2019 stating that their information is accurate and they will not do anything. 
I am disgusted at the total lack of understanding or consideration of a very obvious mistake that happened for the most part due to our change of address, and that I am NOT a credit problem. The amount involved is miniscule, yet that damage my credit and charge me a penalty that is approx 75 % of the original owed amount. The kicker is that when we received our XXXX statement, there was yet another " minimum interest '' charge of {$1.00} added, even though we had paid the XXXX statement balance in full and on time ( as noted previously XXXX. Is this {$1.00} charge even legal?? 
I am asking for the adjustment of my account to include a refund of late fees & interest charged, a reinstatement of my credit line, and most importantly ; removal of my delinquency status from the applicable credit bureaus. I HAVE BEEN HARMED BY THIS FAR MORE THAN I DESERVE TO BE GIVEN MY HISTORY AND THE CIRCUMSTANCES. 
Thank 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 2021-11-04
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Credit Clearing House of America, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I retrieved my credit report today XX/XX/XXXX to find Credit Clearing House on my report in the amount of {$140.00} in XXXX, KY. 
I have never lived in XXXX, KY. 
The account open date is XX/XX/XXXX, while I was a resident of the state of Washington 3000 miles away from Kentucky.

I want this investigated and removed from my credit report, I will most certainly seek legal action in the event it remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, My name is XXXX XXXX. 
Ive recently been a victim of a debt consolidation company that causes a big impact on my credit score. One of the agreements with them is that I can not make any payment with chase cards until they negotiate a payment plan reduction for me, which I didnt know that will causes my credit score to dropped dramatically. 
Ive already cancelled my contract with them but I still need to chase to update this in their system so that they can adjust the credit bureaus to bring back my original credit score. 
I can be reach by email XXXX XXXX XXXX or my mobile at XXXX. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: WI
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 address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX is registering under my credit reporting since XXXX. I have never lived there but my ex fiance whom I had a restraining against does. I believe he used my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
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: Account information incorrect

Complaint:
I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, Experian and XXXX  have failed to respond.

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 2020-08-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a current customer with NewRez with an FHA backed mortgage.

At the beginning of the pandemic I requested a temporary Forbearance as a precaution, as no one could have anticipated the wake of this unprecedented event. I held back the first payment as a reserve for the unexpected. I quickly realized that I would not be adversely affected financially and made all of the payments and ended the forbearance. 

For the past year I prepared for, and recently submitted an application for a cash out FHA remortgage to take advantage of record low interest rates, pay off debt to reduce DTI by nearly {$1000.00} a month, and drastically improve my credit by reducing loan balances. 

The application was denied during underwriting. The Statement of Credit Denial, Termination or Charge I received from NewRez sites the principle reason for credit denial as Forbearance Request. Over the phone the mortgage broker said the underwriter denied the loan because of a 30 day late payment during the special COVID-19 Forbearance, despite repaying and staying current otherwise.

I immediately reached out to HUD/FHA to inquire regarding the current guidelines distributed by the FHA regarding the use special COVID-19 forbearance for the purpose of establishing a borrowers credit worthiness during the pandemic. They confirmed that the proper guidelines had not been observed by NewRez by quoting from the U.S. Department of Urban Developments XX/XX/2020, mortgagee letter XXXX that states : Any Borrower who is granted a Covid-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purpose of credit reporting.

I was then assured by several FHA representatives that this absolutely applies to bypassing the Credit reporting guidelines and communicating the forbearance and any activity there in directly to the underwriter and it being used against me for establishing credit worthiness.

The FHA provided a phone number and asked that the lender reach out to receive further assistance with correctly interpreting and applying the guidance that they have provided to mortgagees.

This oversight has been escalated to NewRezs Senior council by the brokerage team, who has since refused to do his own due diligence and reach out to the FHA, per their request, for additional guidance and will not answer any direct questions that I ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Information belongs to someone else

Complaint:
XX/XX/2021 XXXX XXXX XXXX and Equifax information services committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: NE
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 credit bureau is reporting a collection account with XXXX XXXX XXXX in the amount of {$1600.00}. This is not my account and it is identity theft. I did not receive any services from this company. This is not my account and needs to be removed from my credit report immediately. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act. This is also a violation of the HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I orginally took out a student loan for amount of {$2000.00} in 2010. With the accrued interest the balance is over {$3300.00}. Also it includes every school I have attended thereafter. However they are not reporting my accrued interest correctly so when I file my taxes, it seems as tho i am only paying in the principal amount. Accrued interest is calculated everyday however they are reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 my loan service transferred from XXXX to Shellpoint. I was in the process of review for a loan modification with XXXX. On XX/XX/2020 I spoke to XXXX XXXX and was told I was put on a forbearance due to COVID and was told I would be covered on the forbearance until XX/XX/2020. On XX/XX/2020 I called to follow up and was told that my single point of contact would return my call. On XXXX XXXX I followed up again and we had a new single point of contact, I sent an email to our new single point of contact confirming that we were protected under the forbearance. On XXXX XXXX I sent another email to my single point of contact. I received an email reply stating that a forbearance would be started. On XXXX XXXX I spoke to XXXX XXXX. XXXX and again asked for the forbearance and was told I would be covered until XX/XX/2020. On XX/XX/2020 I spoke to XXXX XXXX and was told I was not on a forbearance plan. On XX/XX/2020 I called back and spoke to XXXX XXXX who put in for the forbearance and advised that it would be in effect until the end of XXXX XXXX, 2020 I spoke to XXXX XXXX and was told I was not in forbearance and an email was sent to my new single point of contact. On XX/XX/2020 I spoke to XXXX who told me I had 2 spoc and I left a message for XXXX of them. On XX/XX/XXXX, XXXX XXXX advised that the request for forbearance was submitted. On XX/XX/XXXX I spoke to XXXX XXXX. XXXX and I was told I was not on the forbearance and a supervisor would return my call. I asked for the investor guidelines for help during COVID. I was told that someone would call me. No one has called. I am trying to get assistance for my COVID related hardship which is a separate hardship that caused my missed payments in the first place. I can not get any information about what is available to me or why I keep getting kicked out of forbearance. I have attempted to call and I am transferred and hung up on. I feel as though they are hiding information about my loan from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synochrony Bank is issuing credit cards under my social security with a fraud alert placed on my credit reports. On XX/XX/2020, I recevied a letter from a fraud review that the credit card was opened by me. I called the bank and was told the card was mine. I never applied for the card or received the card. I'm lose and don't know what to do next.

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 2020-11-16
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed General Revenue {$600.00} collection from a college I didnt attend back in 2019. I agreed to a pay in full settlement of {$300.00} on XX/XX/XXXX. A week goes by it says I owe a collection of {$300.00} and Im like XXXX so I call them they tell me the account was closed I just need to wait for XXXX XXXX to update. Now 2 more weeks have passed now it says I have a missed payment and the collection is now back at {$600.00}. I tried calling over and over but was told agents were busy until I finally got through to hear someone say end call and hung up the phone on me which this happened multiple times and I grew more and more frustrated. I have a copy of the receipt they sent me where I paid for it but this company has been nothing but rude and disrespectful they whole time dealing with this stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with XXXX and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.

Company response to consumer: Closed with explanation