BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Have disputed this account from XXXX XXXX with Equifax, XXXX, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3.

2. Date opened is inaccurate.

3. Payment status is inaccurate.

4. Last reported dates are inaccurate.

5. Comments on all 3 accounts read something different.

6. Date last active is different on all 3.

7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off.

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Alliant Capital Management LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Alliant capital Management called me yesterday about a business matter and was vague with details. Today they called my friend and said I gave her as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase didn't give me a bonus despite I met all the requirements. I've opened an account on XX/XX/XXXX, received my first direct deposit on XX/XX/XXXX, and several of them later, each week. But Chase says I need to wait. I spoke with their support two times and they said I have to wait. So, I'm waiting from the date of the first direct deposit posted its been more than a month already. See attached bank statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Once again, Ocwen Loan has changed its rates for collecting fees and monthly mortgage payments, now raising the fee to {$7.00} for paying online directly from my bank account. 
This fee was imposed when they transferred my mortgage to another of their companies within their possession. 
They change over also disrupted all of my payments, records and more so that I no longer have addresses, online contacts and much more. 

In order to sign up for their 'new ' loan collection, I must submit my social security # and much more to a service in XXXX . 

Their practices are insuring that I will be late with payments, and have to pay service charges, late fees and additional interest. 
I can not get any information form them directly and am blocked from my previous account information and history. 

This continues to be a constant issue with OCWEN - now XXXX - now XXXX. 
( Honestly, would you give your SS # to XXXX? ) Impossible to find a contact to help through their myriad of sites, although 'help ' symbols are there, as noted in screenshots below. 





" The servicing of this mortgage account has been transferred to XXXX XXXX  XXXX, now an affiliate of Ocwen. 

The account number will change to # #. The relationship manager may change and will reach out within 30 days of the account transfer. If you are enrolled in Paperless Statements, your paperless settings will not change. For details and instructions about how to login at XXXX XX/XX/2019, please refer to the Notice of Service Transfer letter or call XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX or XXXX I consolidated with my then husband during that small window when consolidation was, unfortunately, allowed. A year ago I divorced him because of XXXX XXXX. I also have a protective order stating that he's not even supposed to know where we're located. He was ordered in the divorce decree to pay that student loan. I understand that I signed the paperwork and that I'm also responsible for it. I'm in the process of working with legal aid to take him back to court to show he isn't paying. I have contacted Navient on numerous times trying to explain my situation so that I could personally apply for Income Based Repayment and they just tell me I have to have his consent and I must contact him. I have sent them copies of the protective order. The loan is getting ready to go into default which could also cause me to lose my XXXX XXXX and thus lose my only source of income for me and my children. I'm trying to take care of my responsibilities but Navient  will not even talk to me without me talking to him first ... .which is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Sunset Solutions Group, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX received another phone call today XX/XX/XXXX from XXXX XXXX XXXX ext XXXX after I spoke with him yesterday and told him is not allowed to contact my employer. This second complaint is a follow up complaint to the complaint I filed XX/XX/XXXX ( complaint ID XXXX ). During today 's phone call with HR Mr. XXXX disclosed that he is attempting to collect a debt for a payday loan and that I am going to be served for breach of contract and financial fraud. Mr. XXXX asked what the company protocol was for an employee being served at work. Mr. XXXX was informed yesterday that my employer has requested that he no longer make contact and has once again provided information to my employer regarding a debt for collection.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly that I am 120 days past due on the XXXXXXXX XXXX partial account number XXXX. This account has been paid off. The status and coding of this account needs to be changed. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get 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 2019-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been affected by the current pandemic Covid-19 corona virus since XX/XX/2020. I called Chase in late XX/XX/2020 to request a forbearance because they did not have any plans in place to help customers until later in the month of XXXX. I was told i was granted for the term of 90 days, and my account was still in a good standing. It is now XX/XX/XXXX, which is still within my 90 period and they have terminated my forbearance and reported my account 60 days passed due. As i call to dispute this on a call with a representative named XXXX was very unhelpful and outright disrespectful and more interested in telling me how " They aren't obligated to reach out about the matter ''. I asked to speak with a supervisor and was told that my account was only 32 days passed due and not 60 as my credit report reports and the supervisor acknowledged and confirmed that my term should still be within the 90 days. The pandemic has and is still affecting my work as the lock down from XXXX for 3 months was extended an additional 3 months where i currently am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: Total Card, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is reporting a debt that does not belong to me that was open on XX/XX/XXXX on all 3 of my credit reports XXXX, XXXX and XXXX. I called the company 2 times about the account and got no help. I called this company XX/XX/XXXX and again XX/XX/XXXX. I called and requested the original contract bearing my signature verifying that this is my account and as of today I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My concern is i did a modification with my mortgage company and was never told about the HUD there would be a certain amount that would have to be repaid back to them if i every sold the house. Bank of America never explained n don't recall signing any papers but i have a lien on my house through hud. Please help n explain this modification n if  and what do i do moving forward if i ever decided to sell my 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 explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: VA
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XX/XX/2019 2., XXXX XX/XX/2019 3., XXXX XXXX XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2019-05-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in the process of having my mortgage re-negotiated with XXXX XXXX when my home was lost in a fire. I owed at the time {$130000.00}, I received an insurance check for {$190000.00}. I had plans to rebuild. I learned that XXXX turned the mortgage over to Bayview Mortgage and the {$190000.00} disappeared and this has left me with out a home. I have made many attempts to find out where the money went because there was a second mortgage on the house and it was not paid, I'm paying it right now. The check was made out to XXXX, myself, XXXX XXXX., and I can't get an accounting of where the money went and why my home was not rebuilt. 

I did pay an attorney {$3000.00} to look into the matter but he has ripped me off also. He will not answer his phone. It was XXXX XXXX XXXX in XXXX, NJ. I'v tried reaching him many times. I just want someone to tell me where the money went. I'm retired after 34 years of XXXX XXXX. and my husband served over 20 years in the XXXX. I just want some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 Paypal permanently limited my account with no warning.I have talked with several customer assistants and they can't give me any information on why, just that it shows a violation of the acceptable use policy.I think I have had the account for 18-19 years and never had the problem before.I have sent emails to the Paypal violations department and just get automated responses staing the same thing that the customer assistants tell me.Also they froze the money in my account ( {$15000.00} ) because they said they have to be able to reimburse people for chargebacks if they occur.I think I may have had one or two in the past 10 years.So I don't think full amount needs to be held.I sell on XXXX and this is only payment method accepted so as of now I can't sell on there.Also the money in my account was used for necessities and is not available for me to use.I understand if they don't want my business that is their decision but I don't think I should be held in the dark on what my violation was.My items are compliant through XXXX and nothing I sell is illegal.After this happened I have read a lot of stuff online where this has happened to many other customers.I would appreciate in any help in finding out what the problem is.Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
What is happening with this loan is the interest rates are crazy. It's like they set students up by lending them this loan and then they are stuck paying interest only forever. I pay about 300 each month and it just goes to interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX VS XXXX XXXX Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Nationwide Recovery Systems representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed a recent copy of my credit report and noticed two unauthorized inquires. 
I have contacted the creditors noted below, to inform them that I did not authorize these inquires and they stated that they have no evidence that I initiated the inquires either. 

Inquires : 1. XXXX XXXX XX/XX/2020 XXXX. XXXX XXXX  XX/XX/2020 I Then contacted Transunion on XX/XX/2020 to inform them that I did not authorize these inquires and to please remove them from my credit report. 

Transunion contacted me back saying the inquires will remain on my credit report for 2 years. These inquires are unauthorized and now so my credit file and score are negatively affected by this inaccurate information on my file.

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 2019-01-24
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have written, called Flagstar Bank , FSB regarding my status as a XXXX veteran and its refusal after multiple contacts by myself to stop escrowing property taxes that my city/state has granted me an exemption from. 

Our local tax authority here in XXXX XXXX meets several times per year to review documents received from the XXXX veteran proving his or her qualification for this benefit. Apparently in early 2018 I either missed a submission of this proof or it was lost somewhere before reaching the board. It has since been approved. 

I am including copies of documents received from XXXX XXXX indicating I am exempt from these taxes and they should stop escrowing for them. The improper escrowing of property tax I do not owe is costing me approximately {$350.00} more PER MONTH, I would like them to return my house payments to the amount we budgeted for when we signed the documents for the mortgage which was {$1000.00}. 

I provided documentation to Flagstar Bank on XX/XX/2018 as requested to enable them to do a new escrow analysis, and I have not received one as of yet. The last escrow analysis was run on XX/XX/2018 2018

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 2020-02-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My problem consists of an issue with a wrong amount being collected by American Express and while I have disputed it, no conclusive answer has been given to me to explain why the debt reported is so high. I never ran the debt up to that amount and I have constantly been disputing the amount for some time. 
To make matters worse the collection account has exceeded both the state statute of limitations and the credit reporting time limit of 7 years. This is another matter I have disputed with them and in all cases receive no answer to my complaints. I am asking for assistance in this regard and would like American Express to answer this request and complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Alliant Capital Management LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Spent {$5000.00} on last statement. Company closed my account for no reason and said they sent a letter to my house which I never received.They did not issue 3 % cash back on {$5000.00}. Statement was from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I am having problems with the bank that Fema uses JP Morgan - a lady just called me, and this is the problem -I put in a dispute last XX/XX/2018 with J P Morgan Bank about XXXX XXXXwhich is a Travel agency with the XXXX XXXX XXXX  that I stayed at deals with. I only stayed at this hotel because all others were booked in XXXX Florida because of a football game, any way I called the XXXX  XXXX made sure they had availabily and they did -so I went there for 5 days and when I asked them for a billing invoice they refused and were whispering underneath their breath, so I thought at least I would get before I left the hotel, but they refused and said that I had to contact their travel agency- now J P Morgan first had this lady to handel my case with the last name XXXX- who did nothing so I called J P Morgan s executive office and reported that this might have some discrimination, because XXXX and XXXX were both XXXX - then they got a lady named XXXX XXXX and she wants to go by any paper work that XXXX writes up XXXX and I told her anyone can type up a paper with no signature on it and say I did or any one else did sign up, now they sent all but {$400.00} and this bank has been sneaky and underhanded from the start- they told me they need to check a few more things while keeping me waiting for money that I sent to them. This was reported back in XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see page 2 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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