BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get dozens of calls from XXXX. I never pick up, they never leave a message. XXXX claims it is Kohls. I do not have a Kohls credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, XXXX we filed for Chapter XXXX Bankruptcy and at the time of the intial filing, we reaffirmed our mortgage with GMAC. The Discharge was entered on XXXX/XXXX/XXXX. We never missed a payment and never made a payment late. In XXXX XXXX, due to GMAC 's bankruptcy filing our mortgage was turned over to OCWEN and so began the nightmare. It 's been one thing after another with this company - I do n't understand how they are still permitted to do business! During a routine credit report check, I found that OCWEN is reporting our mortgage as " Closed - Derogatory '' and in remarks it states " Chapter XXXX Bankruptcy ''. In XXXX of this year, I called them and was told I 'd have to provide supporting documentation to my claim that they were no longer allowed, under the laws of the FCRA to report such things. I did so via certified mail on XXXX XXXX, XXXX. I awaited a correction to my credit report, which was never made. I contacted OCWEN again on XXXX XXXX, XXXX and was told that they were sorry for the error, they did, in fact, have supporting docs on hand and this reporting was an error on their part that they would get corrected. I just received notification from them that states they will notify the credit reporting agencies to change the remark to show the loan was discharged through bankruptcy ... what????? TWELVE YEARS after the discharge ( and REAFFIRMATION OF MORTGAGE ) the only thing they should be permitted to report is the fact that our loan has been paid on time, never late!! There should be absolutely nothing in my credit reports about a bankruptcy - is n't that correct???? We have paid and paid and paid for our financial crisis, OCWEN should not be permitted to continue this type of reporting practice! I have spent hours on the phone and writing letters to these people and I feel like I am just beating my head against a wall. I have no doubt in my mind that we are not the only ones fighting this type of a battle with OCWEN. I do n't know where else to turn. We do n't have the money to hire an attorney and should n't have to. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Coinbase.com has disabled my account and I no longer have any access to XXXX in assets. The account shoes that I can not be reactivated until I make a payment of {$0.00} There is no option to make this payment. I have emailed support for 2 weeks now with no response. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Nelnet, Inc.
State: CA
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:
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Financial Credit Service, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Today, I received a collection letter for a debt that was discharged by Judge XXXX, in XXXX, Alabama, around XX/XX/1987. I will have to say they have very long memories but I definitely remember this event because it was a terrible memory in my life, and now, 31 years later some of this debt has resurfaced again after it has long since been forgiven by the Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing a debt that has been falsified with information created by the creditor. I have never provided any of the disputed information to them but they have a electronic contract. I asked for there method of verification and other disputed letters sent to them and they sent me the contract which is my first time ever seeing such contract. I noticed the contract was built and established by them creating a false contract placing in career trade, address, girlfriend, employment, reference person, phone numbers, email, ect. I made a police report addressing the falsified information made by the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX 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 2015-10-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Once again Ocwen Loan Servicing is failing to apply my payments to my account correctly. In XX/XX/XXXX I filled a complaint to your department against Ocwen, and they sent you 're a copy of my Deed of Trust, and other that did not pertain to the nature of my complaint. In late XX/XX/XXXX your department fined Ocwen for a lot of servicing violations, but I am here to file another complaint because Ocwen is up to their old tricks again. 
On XX/XX/XXXX, I received a notice from my Chapter XXXX trustee because I was near the end of my Chapter XXXX. The letter from Ocwen 's attorney stated that I was contractually due for my XX/XX/XXXX and XX/XX/XXXX payments in the amount of {$3600.00}. They also showed a suspense balance of {$470.00} which reduced the amount that I allegedly owed to {$3100.00}. 
I immediately paid the amount of {$3100.00} to Ocwen, and Ocwen accepted the payment. Afew weeks later I called Ocwen to follow up to see if I was contractually caught up as the attorney letter stated, and I was informed that I was past due for {$470.00}. I contacted their Officer of the Consumer Ombudsman, and asked them to look into the matter. 
I was contacted back by XXXX XXXX who informed me that Ocwen had no record of a letter sent to me by their attorney, and that I was still past due for the {$470.00} to bring me contractually current. I am attaching a copy of the letter from the attorney. Once again Ocwen is up to their old tricks. I have the document why do n't they have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bought our house in 2004 from wells fargo for XXXX was told i did not qualify for a modification my home went into foreclosure i begged and borrowed the {$20000.00} they said i needed to stop the foreclosure ( including fees ) selling my house now and i am told my payoff is XXXX????? How is this possible

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 2021-01-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today i received court documents with a court date for midland credit management, inc ... i was never notified that they were even filing a lawsuit ... i was never even offered the option to set up a payment plan to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a notice to this debt. this a copy of the bill and I was in a uber car accident in which cause this bill. 
I have attached a copy from TSI Here is my claim number # XXXX in which the bill can be paid once TSI sends me a letter that they will remove the collections from all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Shellpoint Mortgage Servicing and they won't let me set up auto payments. They claim my payment for XX/XX/2018 was not made but it was made to the previous mortgage company on XX/XX/18. They said they have not received the funds yet. This isn't and shouldn't be my problem. I paid on time like I am supposed too. Now they won't take my XXXX payment and I might be subject to late fees if paid after the XXXX. This is predatory lending. Please tell them that this is not my problem. They need to figure out XX/XX/2018 's payment with the previous mortgage company. Not me! Thanks and hope filing this complaint helps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CITIBANK, N.A.
State: AZ
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 had a CITI commercial card that the military issued me, that ended up being a charge off. For some reason the XXXX did not complete the final voucher to pay the card in full before I dishcharged, although they signed it off on my out processing form. Unfortunately I had no knowledge of the delinquency and subsequent charge off due to the fact that I was contracting overseas in XXXX. I didn't know about the charge off until it showed up on my credit report. These cards do not normally report when the status is current, only when its charged off. I paid the card in full out of my own pocket. Although I paid it in full, it misreported in XXXX and tanked my scores by 35+ points. I called CITI directly and they told me they don't know why it would report that way and they aren't seeing anything on their end. I honestly don't believe they were taking me seriously. I sent in proof of payment and the misreporting on my credit reports. They responded with an email and case number annotating I will receive a response in 2 BUSINESS DAYS. Its been 2 business days and I have not received a response, which reinforces my initial feeling they are not taking my concerns seriously. I'm trying to buy a home in the near future, and this misreported derogatory information is suppressing my credit scores for a paid in full 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 2020-02-05
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XXXX of 2019 someone hacked into my Payal credit account made charges on it and then requested that my account be closed. Synchrony Bank, the owner of Paypal, made not attempt to contact me regarding the closing of my account or the report of fraud. Once I realized I could not longer make charges to my Paypal account I discovered the fraudulent charges and I reported to Paypal/Synchrony that my account had been hacked and I never requested my account to be closed. Despite many messages I sent to Paypal/Synchrony to rectify this mistake by them they sent me a letter without as much as asking me a single question about the fraud and closed my account severely damaging my credit.

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 2018-07-02
Company: Experian Information Solutions 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:
XX/XX/XXXX I notified Experian that XXXX XXXX in the amount of {$850.00} and XXXX XXXX in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed Experian that I was a victim of identity theft. Experian fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the XXXX is Experian validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.

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 2021-06-22
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I made an online purchase for {$2400.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. Not even a tracking number. I've attempted to contact the merchant and the merchant will not respond by phone nor email. They've not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. I filed an initial dispute with Citi Bank and received a denial letter dated XX/XX/2021 stating that Citi did not receive the necessary information from me concerning this dispute. Ive called Citi Bank and confirmed that my letter regarding this dispute was received on XX/XX/2021 and it satisfied every condition that was required of me, yet I was still denied for reasons unknown. The customer service agents that I spoke to couldn't tell me why I was denied and agreed that I did in fact complete every requirement asked of me. Ive attempted to file an appeal but I was told that it's not possible to speak to their investigations team. You can only speak to the dispute department that'll recommend you send a fax or email that'll be received by the investigations team and then that letter will be posted to your account in seven business days. I cant seem to receive a proper response or help from Citi. No updates on the dispute in the app, no phone calls. Just a letter of denial after satisfying all of their requirements. My dispute was ignored and never investigated by Citi. I've never had difficulty with any other bank handling a dispute or unauthorized transaction before.

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 2018-08-09
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
I filed for bankruptcy in XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, Honda Financial continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with XXXX XXXX and American Honda Financial in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from American Honda stating this truth and sent these via certified mail to XXXX along with a dispute letter. 

Because of the comment furnished by American Honda Financial, XXXX XXXX extrapolates, derives, and expands on this information to include, but not limited to the following : XXXX XXXX has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above. 
XXXX XXXX continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, XXXX XXXX has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both XXXX XXXX and American Honda Financial together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports  directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Company reported on my credit report that cause in to drop almost 80 point. I have been in Bankruptcy since XXXX The company is part of the bankruptcy and every month once my credit score raises up. The company report negative to my report and cause it drop

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 2018-06-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a plan from XXXX XXXX in XXXX and used. However when it showed up on my cardin XXXX it appeared that it was a rental and so I put a dispute on the charge. I spoke with CITI in XXXX and informed them I had researched and the charge was correct. They informed me that the credit card company would get their money. I spoke with the credit card company in XXXX and they informed me they had not received any money. I called CITI back again and they informed me that they should be getting paid but they would put in information to make sure that they money would be sent. I spoke with the merchant in XX/XX/XXXX and again I was informed they had received no money. I spoke with the credit card company XX/XX/XXXX and they informed me they had done all they could and I was responsible for paying them and that XXXX had the merchant money. They informed me and the merchant that they would have to get in contact with XXXX. After XXXX spoke with a supervisor, they claimed they were working on the problem and would let XXXX know the money needed to be cleared but that was all they could do.

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