BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-26
Company: CAPITAL ONE 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: Account information incorrect

Complaint:
A fraud restriction was placed on the capital One account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. COne was notified to note that no access to statement and pay information could result in negative outcomes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had my VA mortgage on my home for about ten years, for about the past two years My Loan Care LLC. has unfortunataly been the mortgae handler on my home loan. I have had to interact with them before in the past over the phone and I must say that after long wait times I was greated by customer service reps. that didn't even have command of the English language and completely ignorant. Last XX/XX/XXXX I was awarded by the State of Pennsylvania total real estate tax exemption for being a XXXX XXXX XXXX  XXXX veteran, this means that I no longer have to pay county property tax, school taxes and state property taxes. 
Both the state and the VA provided me with the paperwork/documents to submit to My Loan Care that instructs them to no longer collect tax escrow on my mortgae. As of today My Loan Care LLC has still NOT adjusted my mortgae payment or refunded my escrow balance. I have made conatct with them over the phone and the reps simply refuse to explain the delay or even to tell me if they are working on it? They refuse to connect or transfer me to their tax escrow department. I was told by a rep that the documents that I have submitted are not official and " good enough '' I have had to contact a VA official for help, yesterday he told me that My Loan Care isn't even responding to his communication efforts. This particular mortgage handler seems to have a horrible reputation in the industry and I can see why. I have to continue to make my non adjusted mortgage payments that does not reflect my real estate tax exemption which is about {$600.00} more than it should be.

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 2021-02-12
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld System INC. Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

Please provide the certified mail with receipt of notification. This company has never supplied the Assignment of debt or Method of verification. 

Anyone can compose document they delivered through the portal. 

Please provide a BIDINGIN CONTRACT. Please provide PHYSICAL PROOF OF THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
A fraud restriction was placed on the XXXX  XXXX account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. XXXX was notified to note that no access to statement and pay information could result in negative outcomes

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 2018-10-09
Company: CITIBANK, N.A.
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 did not authorize these inquiries. i have a credit freeze on my credit and i did not provide my personal information to these companies

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 2021-08-20
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2019-08-28
Company: TRANSWORLD SYSTEMS INC
State: PA
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:
On XX/XX/2018, my first payment on my Federal Perkin 's Loan was due. I had received no notifications via mail, email, or phone call from the creditor, XXXX University, to alert me that my payment was due. I missed payments for XXXX, XXXX, XXXX, and XXXX of 2018. I found out through my credit card company my credit score had decreased due to missed payments in XX/XX/2018. Upon further investigation, I found out from XXXX University 's bursar office that notices were being sent to an old address in XXXX, DE instead of my current address. As a student of XXXX University for 7 years, I had to update my address across all my accounts yearly. Therefore, I am certain that my address was up to date and that notices should have been sent to the updated address. If there was a mistake in addresses, other notices should have been sent to me in the forms of emails or phone calls in my opinion. At the time, I was content to pay the late fees and continue with my payment plan. Since then, I have had a spotless record of on-time payments. However, I now wish to refinance a car loan, but can not obtain decent offers due to my credit score. I reached out to XXXX University 's Credit and Collections department to discuss the situation and to have the late payments removed. After accepting financial responsibility for the missed payments and expressing my belief that my current credit score does not represent my creditworthiness and commitment to repaying my debts, I was told there was nothing they could do. Due to the fact that a late payment can affect your credit score for 7 years, I feel this is unfair. With that being said, I also feel the creditor is acting unreasonably as I was not notified about the loan payments being due, even though the creditor had multiple options to reach me. I have attached bank statements for the months of XXXX, XXXX, XXXX, and XXXX to provide evidence that I was not in a financial hardship and could pay the payment due. Please refer to the beginning and ending monthly balances. There is no other reason I was late on the payment except for not being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I ha already complaint to you about ocwen twice 1. from the agreement that they had with you but the obmusman never and lied about not having the two accounts -- ( XXXX, XXXX ). I lost in total of {$670000.00} from AMHS that Ocwen own.

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 2021-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
An company called XXXX XXXX XXXX XXXX scammed me out of XXXX $ back in XX/XX/2021. Lying to me saying we are affiliated with the department of education. And Student loan forgiveness, they continue to lie again saying your loan company XXXX sent us your information. Which is not true, my loan was 6 months ago paid in full and closed. They put a XXXX $ on my bank account. Contact the FTC and Fasfa back in XXXX. I looked for attorney, to try help file an lawsuit

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 2021-02-23
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a collection letter from Convergent Outsourcing about a loan from XXXXXXXX XXXX I have never had a relationship with them or ordered anything with this company. I have been a victim of identity theft and many accounts have popped up that are not mine. This is one of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This account was already PAID and should not have any late payment recorded as I pay this on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My husband and I financed through Mosaic for a Home Improvement Contract with a General Contractor. The loan is in my husbands name. We were approved for a $ XXXX line of credit. The contract we signed with the contractor was for {$23000.00} and we gave them a {$1000.00} cash deposit leaving the balance of the loan a total of {$22000.00}. On XX/XX/XXXX we received an email that Mosaic had issued a payment to the contractor for {$12000.00} which was almost 54 % of the total and the contractor didn't even start the job until XX/XX/XXXX. California Code, Business and Professions Code - XXXX XXXX says : " IT IS AGAINST THE LAW FOR A CONTRACTOR TO COLLECT PAYMENT FOR WORK NOT YET COMPLETED, OR FOR MATERIALS NOT YET DELIVERED. HOWEVER, A CONTRACTOR MAY REQUIRE A DOWNPAYMENT. THE DOWNPAYMENT MAY NOT EXCEED {$1000.00} OR 10 PERCENT OF THE CONTRACT PRICE, WHICHEVER IS LESS. 
After 10 days of working on my house. The contractor abandoned the job on XX/XX/XXXX and refused to fix the substandard work. I called Mosaic and told them not to make any additional payments to the contractor and asked why they paid them so much in advance and they said it was standard that they pay the contractors 30 % upfront.. I called them many times over the next several weeks and they hung up on me multiple times and kept telling me my case was with a different department and they would get back to me in a few days and never got back to me. On XXXX I spoke with someone about cancelling the loan. The representative told me they would have to contact the contractor first. I asked what happens if the contractor does not agree to cancel the loan and she told me they would reach out to me for more details and do their own internal investigation. On XX/XX/XXXX I received an email saying " We received a response to your cancellation request from XXXX XXXX. They have informed us that your project will continue. Mosaic will close this cancellation case and will continue with the current loan. '' The bank has been very difficult to deal with and is more interested in protecting the substandard contractor than helping the consumer because this is the way they make their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Allied Interstate has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.

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 2020-09-14
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed bankruptcy in XX/XX/XXXXwhich was discharged in XXXX, in the bankruptcy I surrendered rental property which is still on my credit report I have spoken with Huntington and they are unwilling to work with me, I am trying to refinance my home and these things are still on my credit report can you please help me Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: WELLS FARGO & COMPANY
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:
Wells Fargo XX/XX/2017 XX/XX/2017 These companies did a hard inquiry on my credit. I didn't give them permission to Check my credit. I contacted the creditors and they have no proof I initiated such inquiries. I requested them to remove this from my experian report. They didn't give me an answer. I has been over two months since I last contacted them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I deposited a payroll work check the date I got paid in the amount of {$1000.00}. Bank of America automatically placed a hold on my account which I understand because the first payroll check got returned. But not this time the XXXX XXXX XXXX ( which is my employers bank ) has already given XXXX XXXX XXXXXXXX the funds from the amount of the check and there is still a hold on my account. They won't and haven't released the funds to me for which they already have gotten the funds from the sending bank and I am in need of the funds because I need to pay my bills and rent before I'm put out into streets and homeless. The date is XXXX XXXX from mobile check deposit in amount of {$1000.00} and the employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have put the hold on until XX/XX/2021 at XXXX XXXX. they still won't release the money to me even though they have the funds and the check will be cleared

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trans Union, is misreporting credit information - inaccurate beacon score and, incorrect balance owed to a particular creditor, the VA XXXX XXXX XXXX. I, filed an online consumer dispute in XX/XX/2020, Trans Union claims they never received. I re-filed a second complaint on or about XX/XX/2020 ( still unresolved ). My credit beacon score has been lowered due to these inaccuracies. I pay my bills before I eat - why am I being penalized, being subjected to their inaccuracies. Why?

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 2020-05-09
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Today I received a Payoff Procedure Disclosure with someone else 's mortgage information, as well as their investor ID. The information I received contained privileged information for another one of PHH Mortgage 's clients. I can only imagine where my personal information is now, or how many people have had their identities compromised from this mailing error. 

I hope to hear how PHH Mortgage is going to better protect my personal information and the information that they compromised of their other clients. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2022, XXXX XXXX, chairwoman of the House XXXX XXXX XXXX, asked the Consumer Financial Protection Bureau to stop Equifax from selling credit scores to lenders until the credit-reporting firm can prove it has the controls in place to ensure its scores are correct. In a letter to the CFPB, viewed by The XXXX XXXX XXXX, the congresswoman from California also called for more robust enforcement action against the company that goes beyond fines. 
( https : XXXX ) In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, have violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am writing regarding an invalid debt. I have asked for an itemize statement with what services and or items billed for this bill, when did these services began/end, I asked for copy of the original signed contract, a copy of the photo ID, a copy of the social security number required to open this account. I have asked for these items because, it is a requirement to provide these items in order to open an account. This is not my debt. If this debt was true and honest this information will be available. However, I have not ever applied, signed or agreed to any services or product. This company is reporting false information and can not produce the documents to ensure that this is a valid and true debt. 

XX/XX/2016 {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed out of {$3500.00} through XXXX by a person representing US Bank. This occurred XX/XX/2022. I have contacted US Bank with zero help and have read that most banks now are not issuing refunds for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation