BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: STATE FARM BANK, FSB
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: Information belongs to someone else

Complaint:
I received notification from XXXX XXXX about a few new inquiries. To my knowledge I have not given any consent to no one to use my credit file without contacting me so Im puzzled to how the inquiries are listed on my credit report. This isnt factual records because I didnt give any consent to open up any new accounts. I am also sending this message and letter as an affidavit and I would like an internal dispute to take place for this matter immediately. The internal dispute shouldnt take no more than 72 hours after receiving the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
we have to issues one they claim our balance is XXXX its XXXX they told all three credit reports we owe more yet look at our acct is confirms XXXX also we dont have a fixed rate it always goes up but never down i questioned if rates are at an alltime low why are we still at XXXX? i was hung up on why doesnt it ever go down???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,

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 2020-08-25
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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB Complaint XXXX ( which is closed ). 
The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded. 

As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX requesting a response by XX/XX/2018. 

XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account.

I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. 

I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. 

The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. 

XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. 

This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial does not seem to be a reliable mortgage servicer for escrow payments. After I refinanced 3 months ago, they were assigned as my servicer. Around this time, my annual homeowner 's insurance premium was due. They underpaid the amount due by {$36.00}. This led to multiple letters from my homeowner 's insurance company threatening cancellation. I was finally able to get into contact with someone 25 days after the initial premium was due, and 5 days before the policy was scheduled to be cancelled due to non-payment on XX/XX/2020. 

BSI had the nerve to send me a letter that they would need to purchase homeowner 's insurance on my behalf due to the upcoming cancellation of my policy. 

The insurance company sent BSI a fax XX/XX/2020 to notify them of this, and I emailed XXXX on XX/XX/2020 after I was notified that the payment was not processed. To this day I have not received a response. 

In this email on XX/XX/XXXX, I also requested that they pay my property tax bill, which is due XX/XX/2020. No response. 

I sent a reminder email through the XXXX message center, but I can not access the record of the sent email due to the poor quality of the website. 

The whole point of escrow is to protect the lender against foreclosure due to non-payment of insurance/property taxes. I can guarantee I would be more reliable at paying the bills than BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: AES/PHEAA
State: OH
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:
On XX/XX/2018, I made a {$5000.00} payment to my loan. This payment is not a monthly payment, as my loan is currently in deferment while I attend school. It is an extra payment. I have asked via phone and submitted via letter standing instructions for all extra payments to be directed towards the interest of my unsubsidized loan, followed by the principle of my unsubsidized loan, followed by the principle of my subsidized loan. 

Despite this my payment was automatically divided up between my direct subsidized loan and my direct unsubsidized loan. On XX/XX/2018 I called XXXX XXXX and spoke with a representative requesting that my payment would be distributed in the order specified above ( first to the unsubsidized loan components, then any remainder towards the unsubsidized ). Because the {$5000.00} payment was more than the remaining balance of principle and interest on my unsubsidized loan, I asked the representative to ensure that the unsubsidized loan balance would be paid off in full. She confirmed that this would be done. 

Shortly before XX/XX/2018, I noticed that the XX/XX/XXXX payment had been redistributed. {$4300.00} had been applied to my unsubsidized loan and the remaining {$620.00} was applied to my subsidized loan. However, my unsubsidized loan still held a balance of {$100.00} principle and {$1.00} interest. 

On XX/XX/2018, I called XXXX XXXX to ask why the XX/XX/2018 payment was not distributed according to my instructions and had an unsubsidized loan balance remaining. The representative said that my instructions were clearly stated in the call request and she did not know why the balance was not reapplied as I instructed. I spoke with a supervisor who flagged the issue and sent it to the accounting team. She assured me that my payment would be correctly distributed and visible in my account within 1-2 days. After a week the payment has still not been applied according to my instructions. The unsubsidized balance continues to accrue interest and carries a {$100.00} principle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
EQUIFAX is reporting my date of birth wrong. The report shows XX/XX/XXXX which is incorrect. My accurate date of birth is XX/XX/XXXX. Due to this error there's a collection acc # XXXX in the amount of {$22000.00} that is showing in my credit file. I have asked EQUIFAX numerous of times to reinvestigate this account and each time I got nothing back with proof of investigation. There's also an address that is on my report that I humbly asked them to remove XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I have never lived at the above address. There's also credit inquiries I did not authorize. My personal information such as disabled/retired is being exposed as well. I did not give my consent to have that information disclosed. I understand my consumer rights and wish to have all issues resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TD BANK US HOLDING COMPANY
State: WA
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:
There was a fraudulent charge that appeared on my XXXX XXXX credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the XXXX credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX  Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX i openedd a new checking account online with Chase Bank with {$300.00} bonus included. On XX/XX/XXXX i received the Debit Card and i activated immediately. The next day i called Chase Bank, because i had a question for the {$300.00} bonus. Their Hostile representative told me that my checking account as been closed without giving me any explanation, plus she put me on hold for 30 minutes on purpose as a punishment. My Report with XXXX, XXXX, XXXX, XXXX  is clean & my SCORE is over 700. Chase Bank proved again that is a Criminal Enterprise , XXXX & Discriminatory Company. Chase Bank should haven't been in business as well as most Banks/Mafia, especially after XXXX. But the XXXX American Government Bailed them out with taxpayer 's money which they never paid back. Even their Bribes to XXXX Politicians was taxpayer 's money. And since XXXX the same Banks are Defrauding consumers & Discriminate against them, as it happened against me now & few years ago by Chase Bank. I don't know if i can expect any positive outcome from CFPB, since it is a Department of the Government that receives Bribes from Banks annually???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CNG HOLDINGS INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Complaint is against XXXX XXXX XXXX they are attempting to collect XXXX for me that I do not legally owe them because my information was obtain without my knowledge and an account was open using my information without my knowledge and without my consent.This account has been placed on my credit and is hending me from obtaining variety of things do to the negative information they are reporting to the credit bureau.I have reached out to them several times with disputes and also phone calls and they have been refusing to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is only one late payment back in XX/XX/2018 is still reflecting on all three reports.

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 2017-08-01
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I 've been trying for weeks to understand how many payments I have left to payoff my loan. No one has been able to provide a response. They 're representatives all give the same response about not being able to calculate this due to daily interest charges. It almost seems like my loan has no end date unless I pay in full all at once and I do n't have the money to do so. Also, payments made whether by debit card or bank account are n't credited to your account until days later making you accrue more interest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Capio Partners, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Around the beginning of XXXX, I checked my credit report and the item being disputed had been removed from my XXXX  credit report but has reappeared with a new creditor listed. The original creditor was XXXX XXXX XXXX XXXX XXXX in the amount of {$510.00}. The new creditor is ASSETCARELLC/CAPIOPART. I called the new creditor and was told that the original account had been opened with XXXX XXXX XXXX XXXX  XXXX  in XXXX. However, because it had been completed removed from my account, it should not have been reopened and processed with the date XX/XX/XXXX as if it was a relatively new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: CITIBANK, N.A.
State: NC
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 noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Citi whom I have been a customer with them for years and I have my own account and I have also been a AU on another Citi card which I make all the payments for. Citi denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a XXXX and XXXX XXXX XXXXs as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Citi said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello my name is XXXX XXXX And for the pass six months Ive been sending letters to the credit bureaus letting them know that there is in accurate incomplete information on my credit file that they refused to delete. So now I am reaching out to the CFPB in hopes of getting some help with getting these items delete it.

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 2020-05-30
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been receiving repeated calls from a call center ( Convergent Usa : www.convergentusa.com ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to XXXX. When I call XXXX their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt XXXX XXXX XXXX  XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Of course, Convergent USA did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of Convergent 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady.

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