BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have subimitted several disputes of information in regards to XXXX XXXX credit card accounts showing incorrect payment information ... the credit report refuses to let me dispute again stating they have investigated and the information is valid ... my problem is I received a letter from XXXX XXXX that confirms that didnt provide any information to the credit bureau in regards to the dispute ... thus the credit bureau is luring it hasnt perform a valid investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: TN
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 is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar Bank is the servicer for my home. I have owned this home since XX/XX/XXXX and have always paid as agreed and on time. Under the Cares Act, in XX/XX/XXXX, I deferred my mortgage payment for 6 months with the understanding that my payments would be pushed to the back of the loan. Now that I am able to resume payments as normal, Flagstar required me to pay in full the missed payments during the forbearance ( {$4300.00} ) or my loan would be required to be under review ( which must be approved ) for a complete loan modification which included information such as : my pay, W2, proof of hardship due to COVID-19, my spouses pay and W2 etc. ; all of which I thought was not required or asked under the Cares Act. When I asked Flagstar why this was necessary as my home is USDA, the supervisor stated that the investor for my home would not allow for the deferred payments to simply be pushed to the back of the loan ( XXXX XXXX was referenced as the type of loan, not USDA by Flagstar ). If I knew that my payments would all have been due as a lump sum, this would not have been helpful at all and I wouldnt have wanted them deferred in the first place. I need to understand why my loan was required to go through a complete loan modification and - among several other things - why I was required to show Flagstar my proof of hardship due to COVID-19. To keep good standing with my mortgage, my daughter had to pay the deferred missed payments so that I would not be subjected to a loan modification, which was absolutely not necessary due to the fact that I could resume my normal monthly payments - as I have favorably done since 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 2018-02-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a wallet at XXXX XXXX for less than {$30.00} and used their credit card. I got a bill in the mail on XX/XX/18 stating my account was 4 months past due and {$180.00}. This was the first I'd heard of this account being delinquent, so I immediately called to investigate. There were about {$150.00} of late fees and interest. They said my phone number on record was listed as having been disconnected, despite there having been no interruption in my phone service or change in number for sixteen years. I asked to have some of the late fees removed, splitting responsibility with them for the issue. They would only remove 1 month 's late fee, {$38.00}. I told them I was mailing a check for {$30.00} and asked if they could close the account, which they did. I have mailed the check.

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 2019-06-11
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   XXXX -XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously submitted a complaint under complaint ID XXXX and it was subsequently closed by CFPB due to a reply from the company. However, the issue was NOT resolved. 

XXXX XXXX XXXX submitted my 1st Installment XXXX tax payment to the WRONG property PIN. Due to this, I became delinquent on the 1st installment of taxes and was charged by XXXX XXXX {$100.00} due to the delinquency. 

Incorrect PIN : XXXX Correct PIN : XXXX Here is the sequence of events : 1. XX/XX/XXXX- XXXX paid the wrong taxes to the wrong property PIN ( listed above ) 2. XX/XX/XXXX - Taxes reported as delinquent to my lawyer during a sales transaction of the property 3. XX/XX/XXXX - Contacted SLS where they advised that the taxes were paid on the WRONG PIN and that is why they are delinquent - due to SLS 's error 4. Taxes were paid out of closing costs, including a {$100.00} penalty 5. XX/XX/XXXX - Filed 1st complaint to CFPB for the issues and lack of resolution with SLS to get a response from SLS, including a refund on the penalty paid ( {$100.00} ). 

6. XX/XX/XXXX - Received a response from SLS that DID NOT resolve the issue of the penalty I paid out of pocket. It only addressed that they 'requested ' a refund from XXXX XXXX on my behalf. 

7. XX/XX/XXXX - I contacted SLS 's Tax department and they said they couldn't do anything, they transferred me to customer service, they said they couldn't do anything and transferred me to Escrow, escrow told me that they won't do anything for me, and then they transferred me to their Executive Support Team- who said they won't do anything for me because the dispute is closed. He told me I need to write a letter and open a new dispute. I spent a total of 1.5 hours on the phone trying to get a refund for SLS 's mistake. 

At this point, I am at a loss. It can not be this hard- they can clearly see they paid on the wrong property address and can view the interest charge on the correct property address. The loan paperwork has the CORRECT property address. SLS entered the incorrect property address when they did the payment. And now they are refusing to refund me interest payment I was charged and paid. 

To SLS : I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. Under state law and under the federal Real Estate Settlement Procedures Act ( RESPA ), a mortgage lender is responsible for all penalties and costs due to its failure to use the borrower 's escrow to pay the taxes on the right PIN, in full and on time. 

SLS is responsible for the penalties I incurred for the late tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One has refused to correct their negligent mistake which has greatly impacted my credit score negatively. I have evidence of their mistake with a written letter from capital stating they made the mistake and yet you no action to remove the negative comment from my credit report. XXXX XXXX an employee from capital one assured me that this negative impact would be reversed and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth financial system has place a collection on my credit report and the debt is not mine. This was already disputed and removed from my credit report, which was reported by XXXX XXXX XXXX XXXX XXXX amount of XXXX. The date was XXXX of 2013. My dispute is I have insurance and am not aware of the time frame Im seeing in my credit report. It also says date of first delinquent is XX/XX/13. Ive always had insurance, this is some type of fraud or someone used my information to seek medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Equifax is reporting an account that was paid in full as a delinquent unpaid account. I paid XXXX XXXX XX/XX/2017 in the amount of {$70.00}. Equifax still has the account shown as open bad debt. According to the FCRA, credit bureaus are required to update accounts within 30 days of activity. The status of this account has caused me to be declined for other utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Real Time Group, 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: Old information reappears or never goes away

Complaint:
Real Time Solutions shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX texas. XX/XX/2016 I went there and got treated, XXXX paid there part, I just received a letter stating I owe {$6200.00} for the visit, I NEVER received any thing up until now. It went to collections and now its on my credit report, what can be done about this rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: AES/PHEAA
State: ID
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:
Fedloans is the servicer for my loans currently and I am enrolled in PLSF. I need XXXX payments to have my loan forgiven. I have been waiting for the past 2 years for them to accurately count the payments I have made, as there are at least 12 payments missing from their counts. I have called Fedloans several times, including trying to talk with the Ombudsman to resolve the issue, and this was at least 6 months ago and still the issue has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to access my bank account and it tells me that my name has changed. I never changed my name for my bank accounts even my whole credit report is under this new name XXXX XXXX that I never created, please change my name back to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA. 

Attempted to get debt removed-CRA 's have not done so.

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 2020-07-02
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a Vanilla gift card for {$500.00} and when I tried to use the card online, it was declined. The phone customer support people couldn't fix the problem and said they'd send a refund check. I emailed them all the required documents to XXXX. It's been a week and they still haven't responded after sending several follow-up emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened PayPal account and had my unemployment benefits sent .now they froze my account with XXXX dollars in it and tell me I can use paypal Anymore .will not allow me to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2018-05-16
Company: Onward Credit Holdings, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has repeatedly called 2xs a day and leave messages on a work phone after being told the number is a work phone and to not call or leave Messages previously. Messages were left on the work phone on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25
Company: United Shore Financial Services, LLC
State: ID
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:
My mortgage account with United Wholesale Mortgage was paid in full on XX/XX/2020. It is now the middle of XXXX and the account shows that we still have an outstanding balance. I started calling United Wholesale Mortgage at the beginning of XXXX along with filing credit disputes with the 3 Major Credit Bureaus. United Wholesale Mortgage will not answer any of the Credit Bureaus and they keep telling me they " are looking into my case ''. They acknowledge the error but have yet to report the balance paid in full. I have called every day since XX/XX/XXXX and keep being told It will be solved in the next couple of business days. Yet here I am again 2 weeks later and it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I contacted all 3 credit reporting agencies they all have my incorrect information barring me for using my credit of applying for anything using my credit they have made no attempt to fix this

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 2019-09-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Loan, XXXX, was transferred to Rushmore Management in XXXX from XXXX XXXX XXXX. The loan had been transferred to XXXX from XXXX XXXX Loans. We entered a modification in XX/XX/XXXX that provided for a permanent 5 % APR, and a payment below {$650.00}. The subsequent billers continued to escalate the payment under the guise that escrow estimates were short. However, my local property taxes have not increased. On XX/XX/XXXX, the current biller, Rushmore, more than doubled the APR to 11.27 %, and increased the minimum payment to over {$1200.00}. The biller has refused to address the XXXX modification agreement. We have also submitted documents for a new modification that Rushmore claims was not received. In the interim, we requested a deferment, or reage as the current payment is not feasible for us, or in keeping with the decreased value of the property. The original loan holder, XXXX XXXX, grossly overstated the value to collect extremely high closing costs. I have resubmitted the hardship application again, on XX/XX/XXXX, I am asking the current biller to adhere to the XXXX agreement, restore the 5 % APR, and adjust the minimum payment accordingly by reducing the balance, extending the term, or another option available. Requests for extensions were submitted by the company 's phone agents in XXXX, XXXX, and XXXX, with no response. Based on our previous inquiries, We also expect any delinquency to be removed along with any negative reporting to the consumer credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Financial Data Systems
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was applying for a mortgage and found a {$180.00} collection on my accounts for from financial data systems. My ex-husband was court ordered to pay this debt and never did. I was under the assumption that he had paid it, until a loan officer pulled my credit. I tried to dispute under reason of " no longer liable due to divorce ''. I don't have the time to wait for the dispute process, and My loan officer told me that it would be best to have this collection removed from my report as soon as possible so that I can obtain pre-qualification for a mortgage, which I CAN NOT DO WITH THIS COLLECTION ON MY REPORT. So I went ahead and paid the debt on XX/XX/2018 IN FULL to financial data systems. I spoke to a lady named XXXX and she took the payment over the phone and I asked her would this be removed from my credit report. I REPEATEDLY ASKED IF CREDIT BUREAUS WOULD BE NOTIFIED SO THIS WOULD BE REMOVED FROM MT CREDIT REPORT. She told me that first thing the next business day the information would be sent to all three credit reporting agencies. HOWEVER, this item is still showing on my credit report. I have disputed this item with all three credit bureaus via online dispute forms. I decided to do a follow up phone call with the 3 bureaus today. I was told that they have not received any communication from financial data systems as to the status of this account. I was told this account could not be removed from my credit report unless financial data systems tells the credit bureaus to delete it. I have copies of the receipt where the debt was paid in full.

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 2020-05-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have multiple accounts with Wells Fargo and I have discovered that they have been removing the interest from my account 's. They have been doing this for a few years but I never noticed because it was a very small amount ( 1 or 2 cents ) but now that I have more money with wells fargo these interest payments are upwards of XXXX dollars a month. I have tried contacting them several times and I get the round around. They tell me that the " executive office '' has to resolve this and no one that I can get a hold of can help me. I did receive one call from the " executive office '' and they told me that I signed a paper authorizing wells fargo to remove the interest from my account back in 2011. 
This does not make sense to me and I'm afraid this is an illegal activity and they are using a phony excuse that I singed some paper way back when. I have asked them to stop taking the interest out of my account but to no avail

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 2021-09-15
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: Information belongs to someone else

Complaint:
Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The XXXX XXXX XXXX XXXX  Acct XXXX. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).

Company response to consumer: Closed with explanation