BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: The Bureaus, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried contacting Original creditor and they stated over the phone that account no longer belongs to them. Therefore, they couldnt help me. I wrote to XXXX XXXX, XXXX and XXXX regarding this account as it is stating incorrect. XX/XX/XXXX I requested to delete account as I do not recall having this account. Account was previously stating collection yet derogatory at the same time with all three bureaus after dispute XXXX XXXX has changed from stating collection account to open account while XXXX and XXXX continue reporting collection. This is impossible account can not be open yet in collection at the same time. Previously, account was stating XX/XX/XXXX as date open with experian and XXXX currently XXXX and XXXX have change date open to XX/XX/XXXX. Before Payment history was not stating no data were now experian has added conservative charge off as if it was some sort of payment method. Account has also been re-aged pushing back the day it should fall off this is not acceptable. It is not possible that all three bureaus are right when information is coming from the same furniture data. I have attached a copy of previous and current credit report and underlined errors to further assist with request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to do a bank transfer from Capital One to my XXXX  Invest account and I still keep getting a message saying " Capital One is blocking you from enabling external applications ''. I called XXXX on XX/XX/XXXX at XXXX and they told me they were going to correct the issue. However, it has been a full week and I am still getting issues. I'm unable to transfer funds from Capital One to my XXXX Invest account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: SECURITY FINANCE CORP
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a late fee which carried over to the next month, despite the loan amount being paid. My credit report now shows not only the late fee as non-payment for the loan, but the entire loan amount shows on my report as delinquent. 

I am in the middle of buying a home. This one action has had a detrimental impact on my ability to provide a home for my family. 

This company is NOT a pay day loan lender.

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 2019-08-27
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: Account information incorrect

Complaint:
At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees. 
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees. 
They refused to send my payment and account history. 
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance. 
How can my loan be late if they charged it off? 
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I submitted a CFPB complaint against Experian ( XXXX ) and the agency 's response does not address the issue. On XX/XX/XXXX, Experian communicated to the CFPB they were " still working on the issue '', while the agency corresponded to me by mail on XX/XX/XXXX suggesting " accurate information could not be removed '' ( see attached ), Why was this correspondence not provided to the CFPB? On XX/XX/XXXX, Experian responded to the CFPB complaint suggesting the public record in question was verified by a third-party vendor, but NONE OF THE CORRESPONDENCE FROM EXPERIAN TO DATE ADDRESSES THEIR UNLAWFUL ACTIONS IN THE COMPLAINT. 

I am submitting FACTUAL, RELEVANT information to support their continued INACCURATE and UNLAWFULreporting of a public record on my consumer profile. The continued lack of acknowledgment and the correction or deletion of this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). Specifically, which court provided Experian 's public record vendor the verified results, was it U.S. BANKRUPTCY - CENTRAL DISTRICT or Us bkpt ct ca XXXX XXXX? They are BOTH listed as the source of alleged verified public  record on Experian 's reporting platform as of XX/XX/XXXX ; several months after the alleged investigation ( see attached ). 

Additionally, Experian has a fiduciary obligation to not only verify disputed information with the original source but to go beyond the original source when reinvestigating credit report inaccuracies ; not a third party vendor. This precedent was established in 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 explanation
Consumer complaint received 2017-12-08
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Constantly calling my mobile phone number [ XX/XX/17 @ XXXX XXXX, and not communicating with me at all when asked the nature of their business. Complete silence from beginning to end, they hold my phone line hostage and eventually hang up. The phone number they call from is supposedly a non-working number, so you can not return the call from the number they call you. They know they do n't have my permission to call me via mobile and may have call my place of employment. I berated them for calling between XXXX XXXX and XXXX XXXX. 

You must use a different phone [ landline ] in order to " ferret them out '' .Their initial tactics was 'robo-calling, ' that did n't work out for them. They are very uncooperative and never customer friendly. They refuse to answer questions posed to them. I had to fight to get their address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a modification and Chase overcharged me. I presented proof as a receipt from the local real estate tax board along with the letter from Chase that stated how much I owed for real estate taxes. 
They refuse to acknowledge it. 
We had a deposition and my side was not allowed to ask questions and I got charged for Chase 's deposition. 
I was awarded {$500.00} against Chase from the Independent Foreclosure Review Board and had to get help from the Attorney General to get them to tell me in writing  what I was charged for in my loan modification. 
There have been numerous issues with the mortgage where they charged me fees for partial payments that they believed were bounced checks, they charged me for insurance when I had it, they charged me twice for insurance in the same month, and etc. 
I need them to correct the overcharges that I proved with the tax records so that I can sell the house. I do not ever want to deal with them again. I am afraid to continue dealing with them. I emailed their XXXX XXXX XXXX several times. They would have the Executive Office contact me but, they never resolved the issue.They have two hour recorded calls where I have called them and they agree to help on the call but, never follow through. 
I am having such a bad experience with them that I do not intend to hold a mortgage in the United States ever again. 
There is a possibility that the XXXX XXXX or XXXX XXXX XXXX XXXX did receive all of the the tax payments from XX/XX/XXXX-XX/XX/XXXX and didn't refund or credit them. I need an investigation asap, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted Navient regarding my student loan, while I was in school I was being contacted regarding my student loan was late and required attention. At this time I have been in school for almost 6 months and they were reporting that my student loan was late. It should 've been deferred because of my full time status in school. When I spoke to the rep, he stated that it was a mistake and the school did n't notify them of my full time status. He explained the process saying the school should have sent my status to the government loans and it would 've been automatically deferred. He decided to remove the late payment from my credit report. When I checked my credit report, it was not removed and it shows that I have 12 late payments on XXXX and 11 late payments on XXXX which is incorrect. I contacted them again, and the new reps said that I do n't have any late payments recorded on my account. I asked them again to ensure that I had no late payments and it was reflected incorrectly, they stated that in their system I do n't have any late payments. I then waited one month to see if the late payments would be removed from my account, and it has been past one month and the late payments are still showing. This is ruining my credit score totally as it shows that I 've been late recently on my student loans, and I have not. I have tried twice to contact customer service, and they were unable to see what I am speaking about but its reflecting on my credit report. This information will be noted on my account once sent to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Rushmore Loan Management Services - Loan # XXXX My mortgage originated back in XX/XX/XXXX. It was originated without escrows for property taxes and insurance. I have always paid them on my own. My mortgage was sold in late XX/XX/XXXX. Subsequently, the mortgage servicing was also transferred to a new company, Rushmore Loan Management Services ( RLMS ). I was able to clear up a crisis early last year in talking with a senior management contact, XXXX XXXX. XXXX XXXX helped resolve several issues that were not conveyed in the transfer to RLMS. One remaining issue NOT resolved is an ongoing escrow issue I can not seem to resolve, and XXXX XXXX is apparently no longer available. XXXX XXXX advised lastXX/XX/XXXX, that I request in writing from RLMS, that they stop requesting and paying my tax bill and cancel my escrow account when they perform their 'initial ' escrow analysis. So, in XX/XX/XXXX after receiving their analysis, I did indeed write online to them via the website asking them to please close the escrow account. They did respond over a month later ( XX/XX/XXXX ) stating they can not due so as the escrow has a negative balance. Not happy with their response, I contacted them last week (XX/XX/XXXX ) and spoke with a customer service rep who informed me that she would send my request to the Escalation Dept. I have yet to hear back from them. My concerns as described to her are as follows : 1. My new monthly payment increased by {$430.00} ( and only includes property taxes, not insurance which I still pay quarterly. ) 2. My property taxes total {$1700.00} annually, this does NOT justify their substantial increase. 3. I CAN NOT afford a {$430.00} increase each month while still having to pay insurance quarterly. 4. I am concerned about potential future foreclosure proceedings without this being corrected to reduce my payment back to the {$820.00} I was paying previously. 5. I am also concerned about my credit record being negatively affected. 6. I am anxious and losing sleep over this issue! Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I got a letter from Ditech saying they were going to send some one to collect money in the amount of {$850.00} because of fees. I didn't even know I had fees because I pay my mortgage every month or every other week, in the case of biweekly payments. 

I signed up for biweekly payments from Ditech Financial starting on about XX/XX/XXXX and continued biweekly payments until XX/XX/XXXX. In total there were 43 biweekly payments. The first 18 payments were for {$780.00} each. The next 24 payments were for {$840.00}. The 43rd payment was for {$910.00}. 

I signed up for biweekly payments to pay down my loan faster. The company apparently however was holding onto my money and making payments every month. This was very deceptive and I just learned about it after XXXX them. 

In addition during the biweekly payment period I was getting charged late fees even though I was paying every two weeks. Right now I am in the process of communicating with Ditech about my apparent late payments, which they say ammount to {$850.00}. Each late fee was {$53.00}, so this amounts to 16 late payments.

Since my payments were being made on time every week, I had not looked in detail at my statements, where they were showing erroneously that I had late fees. 

The company Ditech Financial has since taken down the biweekly payment offering.

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 2021-04-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are violating my rights clear AS DAY! I do not understand how you are blatantly disregarding my rights under HIPAA. My private health information can not be shared or reported. By reporting this information, you are directly sharing my information with everyone who has access to my credit report. This is illegal and is also a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: WELLS FARGO & COMPANY
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 Wells Fargo dealer services illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..

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 2019-08-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, Started receiving calls 2 days ago from a supposed law firm called XXXX XXXX  XXXX. They are claiming to be a law firm threatening to serve me today over a debt from an account that hasn't been used since 2010. They are claiming I owe XXXX on a debt to HSBC bank and last activity on the account was 2010. Statute of limitations in NY is 6 years and I believe the same in Ohio. I'm almost a decade past that. 

Man on the phone essentially claimed officers were on the way to serve me if I didn't agree to pay them the full amount today. After doing some research is seems this company makes similar threats to others. 

I was sent an email from a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've already submitted one complaint about the inability to pay. This complaint is about the lack violations of Truth in Lending and RESPA, but involves the lack of information ( rules, new terms, difference from prior loan, lack of payment stubs ) provided by the company when Shellpoint Mortgage took over the loan from XXXX XXXX XXXX on XX/XX/XXXX. Backstory is that I called to make 2 payments on XX/XX/XXXX, was told I wasn't in the database, called 10 days later as told, but was not allowed to pay because I was " behind 5 payments '', of which the 5th payment was the XX/XX/XXXX payment that I was not allowed to pay. The 4th was the XX/XX/XXXX payment that I was going to pay. I was told that I had to make ALL or NONE of the payment. I questioned why my RESPA 60 day time period was not being upheld, and have had no answer. TODAY, I called and was told something totally different- I was told in XX/XX/XXXX, I didn't have to pay all the mortgage that was behind, but only 3 payments, which we could have done. I HAVE NEVER RECEIVED ANY INFO regarding loan servicing standards, rules, payment options that were different, as above, than XXXX XXXX XXXX. I questioned to day via phone, and via email yesterday, why I was not sent any packet whatsoever, even requesting that early on, OR statements and I was told that it was because I had to request those from customer service. How can a company can take over your mortgage and expect you to abide by a different set of rules than the former company if you've never given a set of rules????? I was told I had to pay late payments, I questioned why now if XXXX didn't make me, and then was told it was her mistake and I didn't have to pay late payments. You can't expect to follow any rules if you've ever received them for ANY reason. That's a violation of TIL and RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS
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:
My mother had a Citizens Bank credit card. 

On XX/XX/2019, she died. 

On XX/XX/2019, I called and reported her as deceased. They asked for a copy of the death certificate. I have tried to send it to them unsuccessfully. 

I have also tried to log on to her account to verify it was closed. About a month before her death, I created login information so I could pay her bill online. I keep getting an error message that state that their system will not allow me to log in at this time. I thought maybe I forgot the password, so I sent a password reset to my e-mail. I still get the message, so Citizens has rendered it so no one can even view the account. 

I want written verification that the account has been closed and I am sending a copy of the death certificate to your office to forward to Citizens.I want to be certain that it was completely closed out and that the account has not been used since her death.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: WELLS FARGO & COMPANY
State: MI
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 sent a letter disputing two accounts that are being reported on my credit report. The company sent a statement back to me saying they were going to remove the account from my reports for all three credit bureaus. The letter they sent has an account number on it that is not the same as the account numbers on my report. I would like to know if they are still going to remove these accounts.

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