BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: AES/PHEAA
State: UT
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:
Fed Loan is reporting inaccurately on my credit report. These accounts show as collections status and they are not. I have consolidated them and should be reporting as a good open line of credit. I am requesting they fix this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CITIBANK, N.A.
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: Information is missing that should be on the report

Complaint:
I have been trying to get Citibank to report on my XXXX file for almost a year now as they did before a dispute was recorded. Every month I get a letter from them that they are now reporting to XXXX and give it 30 days to appear. It never does. XXXX said the need to call the XXXX XXXX help line to get this to report correctly again. Citi Executive Mastercard.

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 2019-05-20
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: Account information incorrect

Complaint:
There are two accounts in collections for a medical bill. The report doesn't show where the bill is coming from only two amount XXXX and XXXX. These bills are covered under medicaid and a complaint has been filed against XXXX XXXX Hospital. The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Navient Solutions, LLC.
State: MI
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:
I came out of the rehabilitation program and my payment went from XXXX a month to XXXX which isnt financially possible right now. Well I got in touch with XXXX at Navient and he insisted he could enroll me in the income driven repayment plan so I sent him what he requested and filled out the application and I have heard nothing. In the meantime my forbearance time is almost up and my credit is going to take a serious hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: NY
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 have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CrossCountry Mortgage is the most incompetent company I've ever had the displeasure of doing business with in my XXXX years on planet Earth. I refinanced my mortgage with them in XX/XX/XXXX. At closing, 2 escrow line items in the closing costs were 2 property tax bills due XX/XX/XXXX, one for ~ {$750.00} and another for ~ {$3300.00}. In late XXXX I received notification via mail that neither of these property tax bills had been paid. I logged onto my online account and checked the escrow section. Sure enough, whoever at CrossCountry populated my future tax payments due had completely skipped the payments due in XXXX and started with tax payment due in XXXX. On XX/XX/XXXX I called CrossCountry 's " service '' center to report the issue and was advised to scan the property tax bills and email them in, which I did, plus I provided a detailed description of how my property tax payments work as well as a copy of the escrow statement from my prior mortgage provider. The next day the ~ {$750.00} property tax bill was paid. However, the ~ {$3300.00} property tax bill was not. That is also the day my story begins of countless phone calls to the " service '' center, most of them resulting with me explaining my issue, being put on music hold for 10-15 minutes to wait for a supervisor, and eventually being either disconnected or dumped off to an automated survey. I was able to garner some information from these dozens of calls. I am aware that at least 2 " cases '' were opened for my account and subsequently closed without my property tax bill being paid. On 3 separate occasions I was given specific dates by which my outstanding property tax bill would be paid. All 3 dates passed without my property tax bill being paid. I've emailed the property tax bill for ~ {$3300.00} due XX/XX/XXXX to the service center 3 times now. I've emailed the delinquency notice I received from my town to the service center twice. I mailed a complaint letter to CrossCountry on XX/XX/XXXX with supporting documents, including the tax bill and the delinquency notice. At this point there is close to {$6000.00} sitting in the escrow account, my property taxes for ~ {$3300.00} are a month and a half late, I've received a delinquency notice telling me I owe an extra ~ {$50.00} in interest, and I'm about to lose my mind. No amount of money I saved on my monthly mortgage payment is worth this level of frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: AES/PHEAA
State: TX
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 received a XXXX XXXX XXXX XXXX discharge. Accounts are reflecting information that is negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Experian Information Solutions Inc.
State: NY
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 have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!

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 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!

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 2019-05-20
Company: EQUIFAX, INC.
State: TX
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 am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Equifax has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

UNAUTHORIZED INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX, XXXX, Shellpoint Mortgage Company ( Shellpoint ) via its third party vendor completed an erroneous escrow analysis charging me for 11 additional properties that I do not own. I own one property but my escrow was charged for 12 instead of one. I put Shellpoint Mortgage on notice of the problem in XXXX, XXXX. I was told that they were working to correct it last XXXX, XXXX but it has not been corrected as of date. I have spoken to over 20 people in the past year about correcting the problem to no avial. I have suffered extreme emitonal distress and frustration due to this ongoing error. I was told tht my account can not be corrected until Shellpoint receives its money back that it paid from the 11 parcels from XXXX County. I verified with XXXX County Treasurer 's Office who stated XXXX County does not have those properties connected to my account. I should not be penalized because Shellpoint paid on accounts that have NOTHING to do with my account. 

Also, In XXXX, XXXX, I received an erroneous tax statement based on the erroneous escrow analysis. Shellpoint knew that the escrow was erroneous yet sent an erroneous tax statement to me after being put on notice. I was not able to move forward with filling my taxes until I filed a compliant with Shellpoint Mortgage and a representative from the Escrow Department phoned me to verbally give me the correct numbers to allow me to file taxes. I never received a corrected tax statement from Shellpoint Mortgage. 

On last Friday, I received a negative credit report on my credit due to a delinquency on the mortgage payment. However, I have paid mortgage each month. I was told to pay {$960.00} until the escrow is corrected. I have consistently done so. However, the computer is showing me owing {$1.00}, XXXX. I was told not to pay {$1.00}, XXXX but {$960.00} until the matter is corrected. Yet, I am being reported delinquent. I do not want to go into default because of Shellpoint 's failure to correct its mistake via its third party vendor. 

In closing, it has been close to a year and my escrow is still not corrected. My credit is being negatively impacted by this. I am writing for your help to facilitate the correction of my escrow analysis so that my monthly mortgage payment can be correctly reflected. I thank you in advance for helping me resolve this issue to correct my escrow analysis.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2021-10-11
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$300.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX OCWEN LOAN SERVICING took on our loan # XXXX in the amount of {$600000.00} of which {$580000.00} was the original loan previously! We continued to make the payments on a monthly basis, this mind you, was a loan modification with balloon payment at end of loan. Fast forward to XX/XX/XXXX, Our loan balance was increased {$46000.00} from the Lender out of our control. Documentation available in attachment. 
What we are seeking is fairness in lending practice, Please seek the amount added on to our loan and reinstate our loan to the balance that we had previous to XX/XX/XXXX. 
We have been through 3 loan modifications in 11 years and currently owe a larger loan amount then we owed 11 years ago, we never borrowed against our home since XXXX. 
I know many years have gone by since XXXX, but we are mainly interested in getting back the {$46000.00} that was added to loan balance on XX/XX/XXXX. 
Thank you, sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agencies under the name Phoenix Financial Service appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: ERC
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:
I have filed a dispute in regards to the incorrect information on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First National Bank of Omaha closed my Visa card with no prior notice. This company solicited me to open an account and then later closed it with no warning. These unfair practices damage consumer 's credit. 
On XX/XX/2019 I called FNB to ask that the account be reopened in order to pay down the balance. They could then lower the credit limit, if they so chose. A much better alternative to closing the account completely. 
I was told by a rep and then a supervisor the closed status was final and had already been reported to a credit agency ( XXXX  ) My payment history was good ( rare if any late payments ) Balance was high because I use it for my XXXX  account. 
FICO score is fair. 
I understand the risk factor but where is the personal relationship with the customer? A simple phone call or notice by mail would have resolved this. And if I was unable to lower my balance to alleviate their risk, then at that time they could make the decision to close the account. But this method is so drastic! Closing credit cards without offering the option to pay it off first is not even a good business choice. 
Why does a bank of this stature want to hurt their customers arbitrarily? A faceless entity - big banking - already despised in our country for milking the public with card debt and high interest rates, now adding to their bad image with automatic closures and adverse credit 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 2020-06-30
Company: Nelnet, Inc.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans had gone into default and in late XXXX I started the processes of consolidating them and bringing them into good standing. The consolidation process comes with a period of time to change or amend things. I received my consolidation packet in the mail AFTER the date it said I could make changes/amend the agreement. I immediately called My Great Lakes and they said that today is the day that everything was consolidated and because they didnt hear from me theres nothing they can do. HOW COULD I CONTACT THEM BEFORE I RECEIVED THE INFORMATION? Its ONE DAY and with Covid everyone knows the mail has been notoriously slow. Im so angry/frustrated. They CAN help me, they just dont want to. Ive told them that as soon as I got the consolidation packet I saw two incorrect items and those are the ones ai didnt want to include in the consolidation. Theyre refusing to help me. Its really gross on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had a refinance closing with XXXX XXXX on Wednesday, XX/XX/2019. XXXX obtained a payoff from LoanCare dated XX/XX/2019 in the amount of {$230000.00} ( Exhibit B, pages 3-8 ). XXXX wired {$230000.00} to LoanCare on XX/XX/2019. The wire was returned by LoanCare because the payment was short ( Exhibit A, pages 4 and 5 ). 
On XX/XX/2019, LoanCare paid my homeowners insurance the sum of {$2200.00}, that is due by XX/XX/2019. On a conference call between myself, LoanCare and XXXX, LoanCare states that I owe them {$1300.00} because they paid my homeowners on XX/XX/XXXX, which caused the {$1300.00} deficit in my escrow account. XXXX said they have nothing to do with the payment of homeowners by LoanCare and would not include the {$1300.00} in the payoff the {$1300.00} deficient being the reason LoanCare refused payment from XXXX. So, here I am ; I havent paid LoanCare its XXXX, 2019, payment because of my closing, and XXXX reminds me that I will owe them my first payment on XX/XX/2019.

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 2020-09-24
Company: SYNCHRONY FINANCIAL
State: NC
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 again, I have asked a few times now to have you remove my authorized user account from all three credit reporting agencies. This has been done well over 4 weeks ago and it is still showing up on my reports. Please see that this gets removed right away. 

Thank you!

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 2018-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recieved an offer to finance an automobile through Capital one. I have received these offers continuously for about 2 years now. In this same time period I have been DENIED a credit line increase multiple times. How can my credit be good enough to finance a car but not good enough to increase my credit line? Is it my age ( XXXX ) or Military status ( Veteran )? I really want to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BANK OF AMERICA 
Contact
XXXX XXXX XXXX XXXX XXXX TX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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