BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
A card from American Express Serve Card closed my account that I was using for direct deposit of my paycheck was closed as of XX/XX/2019. Some one has my account information. I ve filed identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a request for payment on a loan from Specialized Loan Servicing hereinafter referred to as " SLS '', in XXXX, my wife actually made a payment being concerned about damaging my credit. Upon further digging/investigating I could not find the origin of this loan and promptly reached out to customer service with SLS. In XX/XX/XXXX I received the attached two documents from SLS and at point closed the file. Fast forward to XXXX and I began to receive notices of default from SLS ; I have made several attempts for SLS to update their records to no avail ; now they are sending me notices that I have requested a loss mitigation assistance and that they're either " reviewing '' my request or please to resubmit my request ; neither which I have ever done or made request to have done.

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 2019-01-29
Company: Colony Brands, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: AES/PHEAA
State: MN
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:
In the process of bringing my student loans out of default and into repayment- After rehabilitating my loans- It was transferred to XXXX XXXX XXXX ( in PA ). I received a letter DATED XX/XX/XXXX that stated " for the next 3 months, your payment will remain the same as it was during your rehabilitation '' when I attempted to pay my XX/XX/XXXX payment ( 3rd month ), it increased by 700 %. 
The ambiguous letter should be a violation of the Fair Lending Act ( ECOA ), and should CLEARLY state when the the " period '' starts and ends. 

I called customer service on XX/XX/XXXX spent 1 hour and 47 minutes on the phone with XXXX, XXXX and XXXX with over 20-25 minutes on hold, if not more. 
I was told that the letter was a generic letter and that my payment schedule with XXXX XXXX XXXX BEGAN in XX/XX/XXXX, not XX/XX/XXXX and there was nothing they could do about the payment. ECOA I submitted an income based repayment plan and received an email that they would get back to me in a month. I submitted a request to change the date of my payment, that takes 10 days to review ( was not given an option to choose a date to begin with ). 
It is hard for me to believe that a Income Driven Repayment schedule should take this long. ( XXXX  processed my significant others in days ). 

The last issue I have with XXXX XXXX XXXX is the manner of payment. They require you to give your routing number and ACCOUNT number and will not let you pay by debit card or other payment type. As someone who works in the financial industry, I advise all customers NOT to give ANYONE your checking account number. 
This needs to be addressed! 

In summary XXXX XXXX XXXX should be investigated in their policies and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. I took out a loan for {$37000.00} back in XX/XX/XXXX with Ocwen Loan Servicing, the sold my mortgage to PHH mortgage which is the " same company '' I believe and now they say I owe {$51000.00}, and 15 more years. I don't know how that could be. 

2. I believe this is the same company because they have my same account number and I did not authorize PHH to take any money from my bank account and they have been, I did do a stop payment because I did not know who PHH Mortgage was. Ocwen nor PHH notified me that PHH was my new mortgage provider before going into my account and took an additional {$300.00}. 
3. They were over charging me for my insurance on my escrow and I started paying my insurance thru XXXX myself back in XX/XX/XXXX, and as of today XX/XX/XXXX they have not sent me my reimbursement for my insurance, that they have been taking and I've been paying it myself. They also knew because I did specify it and my mortgage went down by {$480.00}. 
4.When the account was sold to PHH mortgage XXXX Ocwen reported me as being multiple payments late and PHH mortgage started my account as being multiple payments late as well. 
5. PHH did a foerberance for me for this covid, but said that It was only good for XXXX, XXXX, and XXXX, because I was behind and that was't true, and I did send them my bank statements showing that I haven't been late or missed a payment in 5 years, yet they still report this on my credit report. 
They have been reporting incorrect information on my credit report which has damaged my credit significantly, some as much as 300+ months late. 
6. I have been paying towards my principal and I did specify apply to principal and they have not been applying the extra payments towards my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Account status incorrect

Complaint:
The following accounts are showing incorrectly across all credit reporting agencies and is violating my rights to fair credit reporting. 

The information has been showing incorrectly for the past 3+ months since my 1st complaint/investigation. 

I placed in my 1st complaint in XXXX of XXXX my XXXX complaint in XXXX of XXXX  and are in XXXX oXXXX XXXX and I am facing the same issues. 

There are several areas of issues including amounts reported, account statuses, balances, open dates, closed dates and etc.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.

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 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express has failed to apply my benefits as a protected borrower under the Military Lending Act ( MLA ). 

I have called them several times and spoken many of their representatives both on their general help line, dedicated SCRA line, and Platinum Card line. In addition, I have attempted to chat with them on their website regarding the issue. Each time I have been told to utilize the SCRA application on their website however I am on XXXX XXXX and have a credit card account hence I am seeking MLA benefits not SCRA. The system detects I do not have a loan from Amex and tells me a few days later via an auto-response email that I am ineligible for SCRA protection. I told the representatives this on the phone and they instead chose twice to file the application themselves which only led to the same auto-response. 

Finally, on XX/XX/XXXX I had decided enough was enough and that I had grown tired of the same result from Amex representatives. I called the Platinum Line and told them I wouldnt hang up until this had been resolved. The representative said that MLA benefits should have been applied at the time of application and even went as far as questioning if I was sure I was on XXXX XXXX. Obviously MLA benefits were not applied at the time of application because I still have this {$550.00} fee on my account. Then, she said it wouldnt be possible for her or anyone else at American Express to apply the benefits afforded to me by law to my account since the system didnt detect I was in the military when I applied. 

There is no question on the application regarding current military service and duty status. Instead, to my understating the application relies on an auto response from a flawed government system solely based on your name, birthday, and SSN.

I asked her to at a minimum to delay the fee until I was able to sort this out and she said that would be impossible to do. I simply want the protections of the Military Lending Act applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Continental Finance Company, LLC
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:
There is incorrect information on my reports with XXXX pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is 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 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: NY
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:
On XX/XX/2022, I notified the financial institution of an unauthorized ( erroneously ) charged merchant transaction. ( XXXX Consumer Credit Card ) The financial institution opened the dispute under the following case number. ( case number : XXXX ). 
However, the financial institution violated and failed to comply with 1005.11 ( c ) ) ii ) ( Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ; ) code of the Federal Regulations, and the financial institution 's behavior established an Unfair Business Practice and caused the customer a disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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:
On XX/XX/XXXX I sent certified letters to XXXX, XXXX, and Equifax to dispute an error. As of today, XX/XX/XXXX I have not received any responses from the bureaus ; it's been more than 30 days. All CRR cards were stamped received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This item disputed need to be deleted because they have failed to respond to your written disputes within 30 days. The bureaus are supposed to provide me consumer protection afforded by the FCRA. They have violated FCRA Section 611 Part ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Capital one is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to capital one via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: AL
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:
There are many mistakes appear in my report without my understanding.

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 2020-07-24
Company: CITIBANK, N.A.
State: TN
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:
My complaint is for a service i did receive. 
I paid XXXX {$8800.00} for a vacation to XXXX from XX/XX/2020 to XX/XX/2020 for six adults. As confirmed on my credit card statement, i paid in full for the vacation on XX/XX/2020. But XXXX canceled my reservation for both flight and resort on XX/XX/2020 and send me an email on the same day stating that will not refund my reservation and i have to reach out to my bank for refund. Since then, i have contacted city as advised from city i provided all relevant documents proving that the merchant cancelled my reservation with my consent and have not received the service from merchant. This is fraud. i did not receive the service that promise to me. This is lot o money, lot of pain and suffering. I want city to resolve the dispute

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 2019-01-29
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I opened my XXXX XXXX. XXXX / Citibank S.D. credit card statement on XX/XX/XXXX and noticed 49 unauthorized charges. I immediately contacted them at XXXX XXXX and identified the fraud. The customer service rep said she would forward the information to the Fraud Dept. She inidcated that I may need to fill out some paper work. I said okay. 

I am familiar with regulation E, so I was shocked when I opened my new statement and saw that the fraud charges were still on my account. I contacted XXXX XXXX today XX/XX/XXXX and they said they couldnt help me because the fraud department was closed. 

The unauthorized charges total {$2400.00}, plus {$72.00} in fees and {$39.00} in interest. Please help me settle this. 

XXXX XXXX Today, 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 monetary relief
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....

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 2018-04-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My realtor representing the me, XXXX XXXX of a property financed through Ocwen. 
we both would like to file a complaint regarding the misinformation that was given to my client regarding doing a short sale for XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I the owner, was informed to submit Hardship package on XX/XX/2018, which she did. I then contacted regarding a Loan Modification, which I could not do due to my finances. On XX/XX/XXXX, I received a letter stating that since I would not be able to do a loan modification that I would be able to do a Short Sale. XXXX days later I received a letter stating that I could not do a short sale due to Foreclosure date ( XX/XX/2018 ). And I received from XXXX that the short sale documents that they received were denied. I shouldn't have received an email from XXXX, because I'm not an agent and no documents had not yet been submitted to the bank by my realtor. 

I was also informed that I could do the short sale and was never made aware that a foreclosure date was set for XX/XX/XXXX. I was also informed that she had to get the short sale documents by XX/XX/XXXX and they missed informed me on which documents to send in. This was all coming from the Relations Manager. We submitted an offer on XX/XX/XXXX and have been going through the process of doing a short sale. A BPO was even done. 

Up until this day, my realtor has been missed informed by XXXX overseas regarding amount to pay to stop foreclosure and finally was allowed to speak with someone in the US who gave my realtor the proper information regarding amount that was needed to stop foreclosures. My realtor was also able to understand her better.

Company response to consumer: Closed with explanation