BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been fighting with Citi Mortgage for over 7 years for a possible loan modification with no positive resolution. Citi Mortgage has denied me for a loan modification 12 times using an incorrect property value and rate of interest. Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Although we have re-submitted the request for the loan modification on XX/XX/XXXX. Based on an email from Citi Mortgage the single point of contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, indicated that " the file is with an Underwriter and at this moment no additional documents are needed. At this point in time, a decision has not been reached ''. 

Regretfully ; Citi Mortgage the Debt Collector, Servicer is ignoring the California State Law! The Homeowner Bill of Right 's dual-tracking provision Effective XX/XX/XXXX : Under the Homeowner Bill of Rights, if you submit a complete application for a foreclosure prevention alternative, the servicer/debt collector can't conduct a trustee 's foreclosure sale before it makes a decision to grant or deny the application. As per the California State Law, the servicer/ debt collector is required to state the specific reasons for the denial, and include a statement that " the borrower may obtain additional documentation supporting the denial decision by making a written request to the mortgage servicer ''

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: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am unable to get information on account number XXXX. My attorney sent XXXX XXXX several emails requesting for a loan modification with a payment I could afford. Its been over 30 days and no response. I have been recording the automated information on my account. On XX/XX/2018 there was a sudden change to the account during the time the servicer was merging with XXXX and I recorded it. The automated system informed me that a new mortgage payment in the amount of {$2900.00} is due XX/XX/2018. On XX/XX/2018 the trustee sale was postponed to XX/XX/2018. On XX/XX/2018, the automated system gave me different information again. Since XXXX  XXXX is not responding to my attorneys emails I called Ocwen myself to get information on the account, my call was automatically transferred to the law department, the representative told me I would need to contact XXXX XXXX to get the update. How am I suppose to get information on the account if the servicer and its outside lawyer wont give me information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank account through this link : https : XXXX? XXXX & XXXX The offer was for {$700.00} if I moved {$50000.00} of new-to-Citi- funds and maintained a balance of {$50000.00} for 60 days. 

I clicked directly through that link above but the account that appeared when I logged in to my account was a 'Basic Checking ' account. I called Citi 's customer service only to be told that the promotion was not attached to my account. 

A supervisor told me that it would be fixed and attached but upon another call to them to see if that was true, I was told that fixing the problem after the account was open was impossible. A US-based person I reached by calling the number on the offer page confirmed that my account would not be receiving the bonus despite the fact that I applied directly from the link. 

I could not call customer service anymore because I could not trust what their customer service was telling me. One person would confirm that the bonus would be paid, while another would say that it would not. Even supervisors did not know the details of this offer. 

In the end, I had to close the account. Even though I clicked through the link above, the promised bonus was not going to be given.

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 2019-04-09
Company: SYNCHRONY FINANCIAL
State: NY
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:
GE Capital Retail Bank/XXXX XXXX has sold my account to a vendor but they continue to report it on my credit report. I have disputed this many times and GE capital retail bank continue to report wrong information. They are reporting a wrong high balance and and dates are off. XXXX says I need to contact this company for corrections.

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 2017-12-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax to inquire about how long it takes for my bankruptcy to come off my credit report. I read online that its 10 years from the filing date. my discharge was in XXXX of XXXX, which means filing date was 2 years before that. the person I spoke to informed me that it was 10 years from my discharge. I was ok with that and she asked me if I wanted to dispute it. I told her no, because I did n't want it to effect my credit. I disputed something on my credit with XXXX about 6 months ago through XXXX XXXX  about a debt from XXXX and they declined my dispute and dropped my XXXX credit score by 50 points, so I was concerned about that happening again. I have no debt or any payments to be late on my credit report. I had a hard inquiry on my credit report about a year ago, so my Equifax score has been a XXXX for a long time now. After the inquiry from Equifax a week ago they dropped my score 55 points to a XXXX credit is very important in life now. I 'm a XXXX XXXX and see these kind of things every day. can you please look into this matter for me, because I 'm scared to call them back about it and they will drop my score another 50 points, I do n't know what to at this point. PLEASE HELP!!!! I will attach screen shots from my phone. I have my credit score from before the phone call and after. I also have screen shots from when I called them and when they called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I lost my house in the XXXX XXXX XXXX in XXXX XXXX, CA. 

I Received our funds from the insurance company and sent them to our loan company which was being serviced by Loancare. The funds were deposited into a restricted escrow account and the funds would be released as needed for the rebuilt. 

I had many problems starting from the beginning getting the funds just to build the house. During the full time I kept asking about the interest on the restricted escrow account and would never get a full answer. 

On XX/XX/XXXX and XX/XX/XXXX I was told both 2 different supervisors that I would receive the interest on the restricted escrow account at the end. I have never received the funds. We moved into our newly built house XX/XX/XXXX. 

I have sent multiple letters stating that per the CA Civil Code # 2954.8 I am to receive 2 % interstate 's on the funds that are in the restricted escrow account. I have waited and never received answers to my questions. 

I have talked to many other people who also lost their homes in the fire and they received the funds from their loan company with no problems. 

Every time I try to get answers I am put on hold, hang up on or told someone would call be back with more info. They never call back or give my answers. 

I have filed a complaint with the XXXX XXXX XXXX and they are trying to say I am not owed but per all the info for California I am. I have disputed the last answer on XX/XX/XXXX and per XX/XX/XXXX they have not responded again to the XXXX XXXX XXXX. 
I have tried to call the department of the loan company they give for questions, but no one will return my call and all it says that they are closed. 

I am so confused how a company can refuse to help their customers. 

Every time that I call I feel that I am just a loan number and they don't seem to listen to what your full questions are.

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 2019-04-09
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have talked to a collection agency twice today and they just called me a third time asking for a payment even after I told them I didnt agree with the amount they are saying is due

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me. On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 XXXX I've tried sending documents this debt is because of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I have sent disputes to Nation Credit Systems, XXXX, XXXX  and XXXX  and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ) ; on XX/XX/XXXX the accounts were reported to be " verified '' with National Credit System and have been updated from an 'open ' status to a 'closed ' status. 
In addition, XXXX is now reporting the account TWICE with completely different balances, again reporting the information was " verified '' with National Credit System I have already gone through court for this account, I have sent the results of the settlement to National Credit Systems, XXXX, XXXX  and XXXX. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, I really do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX  after they began to damage my credit, I will not hesitate to pursue litigation with National Credit Systems, XXXX, XXXX, and XXXX. I do not understand how National Credit Systems has " verified '' the information as the bureaus have reported? And now they are damaging my credit even more?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It is my debt, I tried making arrangements to keep it from my credit report but was advised that if I could not pay the debt in full by a certain date it would be reported to my credit report. I am currently making XXXX payments a month. 

I checked my credit report, and it shows this collections agency has reported the same derogatory remarks 4 times in one month. XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I called today XX/XX/XXXX @ XXXX EST spoke with the representative, I did ask her if it was illegal to such reporting. She started that I would need to speak with an attorney or get help from an outside entity. She started they report weekly to the credit bureaus. I have worked hard to get my credit score to where I'm able to get credit. I owe the money. I'm trying. I did tell her in the beginning I worked hard at getting my credit score up, and please do not send it to my credit report. She advised that I should try to get a personal or school loan to pay off the balance or its going to be sent to my credit report. If they have to report it, please only once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA

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 2020-05-06
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever AFNI, INC. is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
Failure to produce any legal evidence or verification for the alleged debts, and now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.

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 2018-04-22
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic recovery solutions contact me telling I owe {$830.00} on a 12 year old debt I have never had or hear about with a cable company I try to dispute it telling then I never had service with such a company and they threatening to report it as a bad debt on my credit report and the company they told me I owe I never heard of or never had such services I am very very angry to think a collection company can push a debt on me I never never had and threatening me and bullying me not right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Caliver Beach Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Caliber Beach Has sent me a request for loan with out me consent. The letter appears like the current Stimulous package from the Federal Government. it states Available funds {$1200.00}. This is not the check that I may receive from the goverment bail out. 
The letter from Caliber Beach XXXX XXXX. Lender NMLSIS # XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We have told this creditor we can pay some after XXXX. Please stop calling just contact by mail. They call every other day at XXXX a.m. and we work from home.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

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 2019-04-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
one account name discover has been reporting on my Experian credit reporting only and i have disputed and disputed couple of time it was removed and put back again on my credit file ( experian ), please help me resolve this inaccurate account removed from my credit file. 
they have not been helpful and wont listen to me and my explanations, i need your help in order to have this problem fixed. appreciate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past

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 2017-01-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After I left graduate school, I was ( and still am ) working in the education field making very minimal money. Navient initially did not inform me about income-based repayment ( IBR ). When I did research and found out that I should be eligible for IBR, they made the process to enroll in it exceedingly difficult. During the time that my loans were with them they did not approve me for IBR. Thankfully, I was able to transfer my loans to a different provider who was willing to approve me for IBR.

Company response to consumer: Closed with explanation