BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an agreed to payment plan with XXXX XXXX  XXXX that I have been paying on time every month. They wrongfully sent me to collections in XXXX XXXX. When I logged on to pay make my XXXX monthly payment, it said that I had a {$0.00} balance due and there was no way to make a payment ( attached in documents ). Shortly after I received letters from Financial Corporation Of America saying that I had been sent to collections and I needed to pay my balance in full. I contacted XXXX XXXX XXXX who assured me this was a mistake and said they fixed the account and it was taken out of collections and I was just to resume my normal monthly payments in XXXX. I requested a confirmation of this in writing from XXXX XXXX XXXX who refused to provide any documentation.
I sent a certified letter ( tracking and receipt in documents ) to Financial Corporation of America disputing the debt and providing documentation showing my account was active and payments were being remitted on time. In addition, I also contacted them to explain the situation. They told me XXXX XXXX XXXX had not informed them that my account was not past due and therefore should be removed from debt collections so they were going to continue to contact me to collect payment unless XXXX XXXX XXXX called them. They refused to call XXXX XXXX XXXX and confirm with them. I contacted XXXX XXXX XXXX AGAIN, asking for assistance. They assured me my account was not in collections and it showed that way in their system so according to the rep that was helping me " that 's all that matters and it does n't matter what the debt collection agency says ''. I refuted this and said I was concerned this would be reported to the credit bureau if not resolved in a timely manner and the rep said they would have their manager call over to the debt collection agency but it was probably just a lag in their system getting updated and I 'd have to wait a week. I AGAIN requested something in writing from XXXX XXXX  XXXX as confirmation that my account should be out of collections so I could forward that to the debt collection agency and they refused. The Financial Corporation of America debt collection agency has continued to contact me to collect payment and XXXX XXXX XXXX is still refusing to resolve this matter or provide any documentation that it has been resolved despite the fact that I 've made 2 payments to them and my account is up to date. I am at a loss and beyond frustrated at the amount of time I 've spent trying to fix XXXX XXXX XXXX 's mistake and their refusal to help while happily taking my money every month. Please help.

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 2019-10-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I accidentally sent in two mortgage payments and when I realized what I had done, I asked the company to reimburse me a payment. They initially agreed and told me that it would take 5 business days. Those days have passed and I reached out to them and was told that the request was rejected. I asked to speak with a supervisor that never came to the phone, and I was on hold for 30 minutes. This has caused other bills to go unpaid. I am under a lot of stress and my husband is a XXXX veteran that has to have constant care. We are on a fixed income. The company never reached out to me to inform me or explain why my request for a refund of one payment was rejected. The company is PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Company number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
I sent in my complaint from the CFPB on XX/XX/2023 they responded with the interim response on XX/XX/XXXX and I have not gotten any information back. It's been more than 30 plus days. I sent out letters to experience for months. No response and send my letter complaint in for the CFPB and yet no response.

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 2018-02-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account fully terminated in XX/XX/XXXX, however Nissan is still reporting "FULL TERMINATION/BALANCE OWING" on my credit report, causing my mortgage lender to decline my homeloan.Nissan showing account active as of XX/XX/XXXX with a balance due of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/2019 I changed my repayment plan. Fedloan automatically put me in forbearance ( unbeknownst to me at the time ) so I did not receive a bill in XX/XX/2019. In early XXXX ( approximately XX/XX/XXXX ) Fedloan notified me that if I did not pay {$690.00} by XX/XX/XXXX then they would add that amount to my loan. This money is in addition to my normal monthly payment. I don't think it's right to charge me more than {$1000.00} total when I never requested to be in forbearance in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Attempted to claim HSA funds multiple times from company for the amount remaining in account. Claims were all denied stating insufficient funds. Spent over 3 hours on phone with multiple customer service representative without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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 status incorrect

Complaint:
I have sent multiple letters to Experian disputing the inaccurate reporting of the following account : XXXX Account # XXXX They are reporting this as an " Auto Loan '' and the contract from XXXX clearly states it was a Motor Vehicle Retail Installment Sales Contract ( See attached document ). 
Experian 's last response on XX/XX/2021 verified all information being reported was accurate and correct ( See attached document ) Inaccurate reporting is a FCRA violation. 
They have failed to perform a complete and proper investigation! My credit rating is very important to me and this is unacceptable in the middle of this Pandemic!

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT. IM SENDING MY IDENTIFICATION AND PROOF OF ADDRESS

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Address needs updating

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 2020-09-06
Company: SYNCHRONY FINANCIAL
State: NC
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 2020-09-06
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:
I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
City bank / XXXX. From XXXX XXXX has been charged without any paper trail. XXXX they charged XXXX in interest. From XXXX till this day there has been 23 charges added to the account without any reason or paper work. I have a print out from XXXX of all purchases that I have made and a complete copy of all the statements from citi bank along with a CPA accounting and reconciliation of the two. I have been charged for things I do not have or bought via the card then charge interest of 50 % on them all of this I shall send 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 2017-09-20
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Over the summer, my wife and I discovered some inaccuracies on our Equifax credit report. 2 months ago to the day, we wrote Equifax asking them to investigate the errors. 60 days have passed without a response, and they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX there was in inquiry that appeared on my Equifax credit report that I did not initiate. The company name showed XXXX XXXX XXXX XXXX. I contacted the CU directly and they confirmed that someone had used my name, address and SS number to set up an account. They explained how an investigation could take several months, after which there would be a letter sent to each of the credit reporting agencies to remove the inquiry, however, I have nothing in written, thus no confirmation for the actions and steps that will be taken to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto account with capital one auto finance. The accounts payment responsibility wasn't mine. I had no idea that my father put a car under my name. I called capital one and they said they would correct the payment history to paid on time for all the payments if I paid the account in full. I ended up paying the account in full and they didn't do anything to update the payment history to paid on time. I called and they told me to dispute with the bureaus. Because I disputed, it made my credit score drop even lower. No It has killed my ability to purchase a home because of this derogatory reporting to my credit report that Capital One Auto Finance said they would fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, two unauthorized withdrawals were made from my Bank of America checking and savings accounts, totally {$9000.00}, from two branches in Maryland. I called Bank of America within minutes to report the fraud. I have filed police reports and reports with the FTC and submitted all documentation to Bank of America by both fax and certified mail. I have contacted the Bank of America fraud department on seven occasions hoping to have our funds restored. Bank of America has not reached out to me and will not provide a status update regarding the investigation other than to say they plan to take 60 days to investigate. I believe this time frame is in violation of the CFPB 's rules for investigating and restoring funds. I am requesting an immediate response from Bank of America about the status of the investigation into this fraud and immediate restoration of funds.

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 monetary relief
Consumer complaint received 2018-02-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan servicer ( XXXX ) mistakenly applied a retroactive forebearance to my loan payments for the months of XX/XX/XXXX-XX/XX/XXXX after I had already made the payments in full and on time. They are now refusing to count those payments as part of my public service loan forgiveness ( PSLF ) qualifying payments. In addition there are various other months where they miscalculated my payments and as a result they are 16 months short of what my records indicate the right number should be. Since XX/XX/XXXX I have been requesting a review/recount and have been strung along by them repeatedly. The latest excuse is that they are waiting on approval for an expedited review since it has been so long, but even that approval has taken them over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i got a letter from citi bank regarding they need some documents from my side, if i failed to provide the documents my account will be blocked. 
But they didn't provide the listed documents. 

I called customer support, but they said it was system generated, and it is showing no documents listed. 

i called twice but didn't get any response from citi for the listed documnents. 

finally on XXXX of XXXX they blocked my account without providing any reason. 

As all my money was there to pay all my bills but unable to make any transactions. 

Here is the reference no : XXXX that Citi provided. 

Name : 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
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi Bank closed my account without any notice. Had to go to the bank and they said they couldnt do anything until I got the letter, I waited to get the letter which said to call a number to be able to receive my money. The costumer service said I could go directly to my bank to get my money, went to the bank AGIAN and they told me I had to call them to get my ban lifted. I tried doing that and the woman on the line said she couldnt do anything and she hung up on me. Now they want me to wait 30 to 60 days to get my money.

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 2018-02-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid my final balance with XXXX XXXX and they have said they have requested in XX/XX/XXXX to remove the account from my credit report but as of XX/XX/XXXX it has still been showing. please rectify the removal of this from my credit report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$650.00} XXXX  XXXX XXXX    XXXX {$510.00} XXXX/XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX  XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX  XXXX  XXXX {$1100.00} XXXX  XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX  XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2020, addressed to me at my home address, I received a promotional mailing from Regions bank offering up to {$500.00} for opening a checking account with them and following a specific set of requirements. The promotional offer contained a a " personal code '' of XXXX. I performed the requirements on the promotional mailing and should have earned {$450.00} of the promotional offer. 
I took the following actions to earn the advertised promotional offer : -Apx XX/XX/2020 I opened a new checking account online and immediately enrolled in online statements. 
-I made a mobile deposit of {$1500.00} on XX/XX/2020. 
-I downloaded and logged into the Regions Mobile application -I waited more than 90 days to receive my bonus I have had communications with the Regions bank and they told me they were able to confirm that I performed all of the requirements ( with the exception of one requirement they were unable to confirm or deny that it was completed due to their system problems ). I was told that my case would be communicated to the Regions marketing department for review. I can attest that I have successfully completed the tasks required to earn {$450.00}. By now, I should have seen the credit applied to the account. I believe the bank is trying to avoid paying this promotional bonus to me and sent the promotional offer in bad faith. I have a copy of the promotional mailing they sent to me available for reference.

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