BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
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:
XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : EQUIFAX- ( Original Creditor : ). ACCOUNT NUMBER:XXXX XXXX- Account name XXXX XXXX. Account number : XXXX Account name : XXXX XXXX Account numberXXXX. NEVER WENT TO COLLEGE. 

Incorrect personal information that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Do not place a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America has my unemployment funds and have not let me get this 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 2017-12-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a pre qualified offer streamline refi offer from chase bank ... I called, applied. They said my application was good. The next day I received overnighted docs.. I signed them, returned them in a prepaid XXXX. A week later my XXXX called said that method of sending docs ( does n't work ) and that I had to fax them directly. I was out of town, so I faxed the docs when I returned on XXXX XXXX. ( App was taken on XXXX XXXX ). I heard nothing. Then on the XXXX of XXXX I emailed to get status. On XXXX I got a reply stating application was withdrawn due to the lack of submitting documents, even though I submitted twice!!!!! XXXX refuses to help me any further, and said I needed to wait for the next offer and reapply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received an email from Crypto.com stating that my " account has been terminated due to breach of our Terms and Conditions. '' I have not been able to recover approximately over {$20000.00} I had invested there and customer service has not responded to my repeated inquiries.

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 2021-01-25
Company: LDF Holdings, LLC
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received XXXX On XX/XX/XXXX. 
There were no terms sent to me stating it was a 600 % apr. 
I made a payment of XXXX on XX/XX/XXXX. 
I called to payoff in full on XX/XX/XXXX and was told I owed XXXX I set up to pay that amount and its still in my account XX/XX/XXXX. Even though I was scammed. They never disclosed the payback amount until I signed the agreement. And why is it still in my account? They need to be stopped. Shut down. I cant afford to pay that back but had to borrow because if the interest kept on it wouldve been XXXX to pay back and now I dont have rent money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted FCO numerous of times to dispute and have them reverify ownership and balance owe after being denied rental property for debt being on credit. In attempts I was told that the third party could not be reach there fore the debt should be paid by myself. Was also talked to very rude and was denied further communication if I was not will to work out a resolution for debt owed. Representatives refused to acknowledge dates if information verify after initially picking up account. Sent letters and had caseworker reach out to get issue resolved. Went over documents that I had on file and did not match with FCO documents. Was told that the information they had was verified and correct. But they were all dated two years ago. Was told that it did not matter that I was in a third party housing program was they lost funding I was responsible for debt owed. Only because lease had my name on it. Tried to explain that the program was to establish secure housing with financial responsibility on the program. Was still told very rudely that debt it mine and that I would be hung up on if I did not wont to resolve. Was also told that certain identification info was not relevant to my situation..

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 2021-05-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX of 2021 XXXX XXXX closed my checking account that ends in XXXX. 
As of today, XX/XX/XXXX of 2021 the funds have not been received by me that were in that account. 
I have been told numerous times on the phone that is 5 to 10 days to receive the check I have called numerous times to every number I was given by BMOHarris to try to get an answer for this and they continue to Stonewall me. 
This is intolerable, this is totally unprofessional.

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 2018-09-21
Company: EQUIFAX, INC.
State: OR
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 have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
A friend of my spouse advised him of a investment opportunity to become XXXX/XXXX  of your own XXXX  and XXXX. At the time, we were looking for an investment opportunity to replace my previous income. We met on 2-3 occasions with XXXX XXXX, XXXX XXXX XXXX, my husband- XXXX XXXX XXXX and myself. We discussed XXXX XXXX XXXX XXXX in detail, its success and that he had many other investors that were profiting and doing well by partnering with his business. I reviewed reports, emailed data, and foreseeable numbers regarding earning potential that was provided by XXXX XXXX XXXX. In addition, XXXX XXXX XXXX advised that my husband 's friend XXXX XXXX would be working in his operation, in particular to XXXX XXXX for our XXXX  and XXXX, which gave me an additional peace of mind. We invested {$90000.00} total in the form of check/cashiers check. One check # XXXX on XX/XX/XXXX for {$30000.00} from our XXXX  XXXX XXXX account and a cashiers check issued on XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX, account # XXXX and check # XXXX in the amount of $ XXXX.Both checks were cashed through Wells Fargo and the the cashier 's check for {$60000.00} was cashed, but not signed or endorsed, only deposited into the XXXX & XXXX XXXX bank account.The name of the business involved is XXXX & XXXX XXXX and the owner is XXXX XXXX XXXX XXXX The address provided is XXXX XXXX  XXXX XXXX, XXXX, TX XXXX. We have notified this party of the issues and he has been contacted by the XXXX Police Department. We have requested all funds back in writing on multiple occasions throughout the past 4-5 months. At this time, we have only retrieved back the following : Bank Wire on XX/XX/XXXX : {$210000.00} Bank Wire on XX/XX/XXXX : {$2800.00} Bank Wire on XX/XX/XXXX : {$2800.00} All of the funds listed above were returned through a bank wire from a Wells Fargo account. I have notified XXXX  XXXX XXXX, Wells Fargo and the XXXX XXXX XXXX XXXX XXXX. Wells Fargo is the only bank that has yet to fully respond. In addition, I am cooperating with the XXXX Police Det. XXXX XXXX # XXXX, XXXX and his fax number is XXXX. In addition, I reported this incident and fraud to the FDIC as of today, XX/XX/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 2020-09-22
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/2020 XXXX XXXX XXXX Those cases are Fraudulently manipulating the score factors of Experion which by federal law is illegal and violating their CRA. It needs to be corrected. Im taking this Results to congress. Im in Washington D.C.

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 2019-05-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXXof this year I noticed that my loan was under the 78 % threshold to have the PMI removed from my loan. I spoke with PennyMac usa customer service and was informed that it was an automatic process and my account would be reviewed and as long as it was current the PMI would be removed at that time. On XX/XX/2019 after realizing that the removal had not occurred I contacted customer service again, this time informing them that my LTV was now at 67.60 %, significantly below the threshold. I was informed that I will need to get an appraisal to ensure that the home value has not diminished. I disagree that an appraisal should be required at this point. I have done many improvements and the value of my home has risen quite considerably. It seems that the language in the Homeowners Protection Act would protect me in this situation. In addition, when requesting specific information on PMI and the review date to remove it, the agent could not provide the info. The excuse was that all that information was on scanned copies of paperwork submitted in closing that were not labeled, and that it will take research to provide that information. I pointed the obvious conflict that if there was a scheduled review date then it should be recorded in the system. 
I would prefer the PMI be removed as soon as possible. 
Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today XX/XX/2023. I see a derogatory mark on my credit report. 
Company : Debt recovery solutions XXXX : {$3700.00} XXXX XXXX : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection agency called me earlier and I informed the person that I spoke with that they had the wrong number, instead of removing my number, they continue to call.

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 2020-05-23
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC I have never heard of this company, and have never received credit from them and they are reporting negative on my credit report.They refuse to delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: AES/PHEAA
State: PA
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 have been making payments towards PSLF since XX/XX/XXXX. I have confirmed that I meet all of the mandatory specifications to be enrolled. I verified my employment and was told since XX/XX/XXXX-XX/XX/XXXX that I had only made 26 qualifying payments.. This was a major surprise as I had been making payments every month on time with the exception of 2 times since XX/XX/XXXX. The problem lies in the transparency of Myfedloan in stating the " minimum balance '' correctly. For example, on the screen in black and white text, it would say my minimum due was " {$130.00}. '' I would then make an on time payment for " {$130.00} and I would receive an email saying " my payment was accepted and received. '' However, when I went to verify my employment with PSLF and have my payments credited toward my 120 qualifying payments, they claimed there have only been 26 qualifying payments since XX/XX/XXXX!! Without my knowledge and consent, they were applying the overage ( since I was rounding up payments ) to my principal, then the following month they would deduct that overage and say THAT was my minimum due ... Then I assumed, the minimum due was ALL I OWED to make a qualifying payment -- but it wasn't! Why am I being jeopardized for making an on time payment ABOVE the minimum? This was VERY misleading and NOT transparent. For instance, if I make a payment to XXXX, and pay the minimum due ( let 's say min is XXXX and I pay XXXX ) my payment is applied to my overall balance and the next month the minimum due STATES what I owe to make a qualifying minimum payment most likely still {$100.00} -- whatever I apply to the payment ( as long as it meet the MINIMUM required -- anything extra above and beyond the minimum still counts towards my payment!!! ) I am asking for my previous on time payments to be applied towards the 120 qualifying payments. I am also asking for there to be a change in myfedloan 's system -- where they are mandated to report the CORRECT minimum due according to " the persons 120 qualified payment amount '' regardless of what the person pays over and above that minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We disputed charges with Home Depot for over 3 years and finally they just wrote off the account in XX/XX/XXXX with out fixing it, then it affected my perfect credit report and for the 4th time asked that it be removed from my report. Now its with a credit collection agency. This is horrible and during Covid-19 I have been turned down for credit. All I'm asking for it be removed from my credit report. It is the only negative item on my report. Please help!! I have sent this attachment to Home Depot, Citi Bank, and XXXX XXXX many times

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 2017-09-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Ocwen to get a loan modification was recently denied because they stated that they do not allow loan modifications while in active bankruptcy. I informed Ocwen that I was no longer in an active bankruptcy and the bankruptcy was discharged. I supplied them with all the documents and they still continued to deny me for the same reason. Now, they have decided to place a sale date on my account set for XX/XX/17. I dont want to lose my home and would like to continue working to get through a loan modification. I definitely do not want to lose my home. 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 2021-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting bureau, Equifax, consistently provides low scoring and incorrect/outdated information. How can they justify a XXXX point difference between them and the other two credit bureaus in scoring my information? This shows incompetence and Equifax needs to understand that their practices impact people 's lives and ability to receive the proper credit ratings to acquire things needed in life. I want to sue them for this huge difference in reporting and inadequate claim processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: OH
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 WAS CONTACTED BY THIS COMPANY TIMESHARE REGISTRY INTERNATIONAL ON XX/XX/08 AND THEY WERE TO PERFORM A SERVICE FOR ME WITH MY TIMESHARE AND I PAID THEM XXXX ON MY CHASE VISA CREDIT CARD. AFTER PAYING THEM I HAVE NEVER RECEIVED ANY CALLS FROM THIS COMPANY AND I HAVE TRIED TO CALL THEM BUT NEVER GOT AN ANSWER. I HAVE CONTACTED CHASE CREDIT CARD AND THEY TOLD ME THEY COULDNT HELP ME THERE WAS NOTHING THEY COULD DO. I AM THERE CLIENT AND THEY SHOULD BACK ME ALL THE WAY SINCE I WAS FRAUDED OUT OF ALL THIS MONEY BUT THEY DID NOT. I LIVE ON A FIXED INCOME AND HAVE TRUSTED THIS AND OTHER COMPANIES TO FOLLOW THROUGH WITH WHAT THEY TOLD ME BUT STILL THE CREDIT CARD SHOULD BACK ME AS THERE CLIENT. PLEASE HELP ME GET MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXX  i was in and out of XXXX XXXX XXXX XXXX treatment. while away my ex-girlfriend and her new boyfriend stole all of my credit cards and maxed them out. they also stole the RV i bought and was living in. i have had no contact with them since i went to treatment. i tried disputing the charges with the banks and collections companies but have been denied each time. all my info was in the RV they stole and my Ex girlfriend was the one to set up my credit card accounts. so she knew all the security information.

Company response to consumer: Closed with explanation