BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have no knowledge of usaa credit card for a credit limit of XXXX dollars back in XXXXand I would like it removed as it 's reporting to the XXXX and negatively affecting me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I applied for AMEX platinum credit card a few month ago. This card has sign up bonus, if I spend over XXXX dollars within 3 months after account open, I will get XXXX MR reward points. 

I got bonus points after I spent $ XXXX+ within 3 months, but AMEX just clawed back my points last week, I called them to inquire, they told me because I have return credits, so my spending is below {$3000.00}, I did n't meet spending criteria. That is not true, I did have some return credits, but no matter how much credits I got, my net spending is over {$3000.00}. So I am eligible to qualify for bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company continues to call my daughter, who is now XXXX but was XXXX at the time of her XXXX. Despite giving them my phone number on numerous occasions and my listing as the responsible party for finances on the account, they have never contacted me, but continue to call my daughter. Today 's call was a " XXXX XXXX '' who threatened that police would come to our house and take her to jail if the debt was not paid in full over the phone to him. I contacted the company and despite being able to pull up the account without me giving them any information, they denied that they had ever had my contact information. My daughter is XXXX and now XXXX by the way she was spoken to and the threats made by this company over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. The XXXX and XXXX Credit Bureaus had their record-keeping been accurate, and no complete proof of payment history was provided. The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have XXXX issues I 'm dealing with per my student loans, the first issue is regarding late payments being reported while, my loan was transitioning to another lender and this issue is putting a big affect on my credit. I contacted XXXX whom advised they would updated the information on their side, however, the late payments are still showing on each credit bureau profile. The second issue was when i applied for lower payments and I was given a forbearance for a year with out lower payment amount. This is not helping me because these loans are atill gaining interest while in forbearance. Can you assist in my two request?

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 2021-10-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a vehicle which was financed through Santander. That vehicle was totaled in an auto Accidnet. I had gap coverage and everything was paid in full but Santander kept adding fees and additional charges stating that I owe them money. This was covered when the vehicle was totaled in 2015 and they still report this unpaid to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: First Data Corporation
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
We had ordered new check blanks in the mail and they were stolen and used at a couple of locations, XXXX being XXXX XXXX. A police report was filed and XXXX XXXX was contacted. The bank issued us a refund of the fraudulent charges and then I received collection letters in the mail from TRS Recovery Services trying to get me to pay these charges again. Upon trying to contact this collection agency, their XXXX number is disconnected and when I call the other number and try to give my claim number it types the incorrect number. I want these charges removed from my name!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: SECURITY CREDIT SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been repeatedly contacted by phone and through the mail by Security Credit Systems Inc in XXXX XXXX about charges from XXXX College in XXXX, XXXX, which I attended under the Trade Act, which covered all tuition, books, fees, and required materials ( in addition I also received XXXX State Grants each semester ). All charges should have been covered by either the Trade Act or the State Grants. I have repeatedly requested information specifying what the charges were for, and received a print out provided by the XXXX which indicated only " XXXX XXXX, '' with no itemized information provided. I recently received a letter from Security Credit Systems Inc which said, in part, " ... Because of your neglect we may be forced to recommend further collection activity. '' I find that statement to be threatening and harassing given that I have repeatedly requested information regarding what the charges are for, but have never received that information, and that is why I am reporting this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Nelnet, 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: Information belongs to someone else

Complaint:
DEPTEDNELNET XX/XX/2013 this is the date this account was opened on my credit report which I want a dispute because it doesn`t belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: ASTORIA BANK
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, I sold my home and paid Astoria Bank ( see attached documents ) 100 % of the amount requested to be " Pay Loan in Full. '' To this date, I am still asking that Astoria Bank properly report that the credit report to reflect " Pain in Full. '' With the help of CFPB I 've made progress by correcting the late payment errors and asking Astoria to update they wording, however now they have chosen to state a reporting of " Pain in Settlement '' which is still false. They recently changed the wording from " Paid for Less than Full Balance '' which proves that they have ability and control over the wording ... I ask that they please just change the wording to " PAID IN FULL. '' I 'm not sure why they are playing these games and being so aggressive to me personally, but I ask the CFPB request that they once and for all end this game playing. It 's two years already, the account has been closed and paid in full ... please stop wasting everyone 's time and valuable energy already. The documents I have attached show the closing documents from my attorney XXXX XXXX and Astoria with the amounts requested along with the corresponding IRS Tax form that was provided my Astoria. In addition, I have attached the XXXX Credit Report from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX showing the two different statements. Please note that they have properly reported no late payments, which was corrected with the help of CFPB, now I request that the " Paid in Full '' Status be updated as well. Please feel free to reach out to me or my attorney directly for any additional questions. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wakefield And Associates Legalinc Corporate Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : The Office of Registered Agent for Wakefield And Associates Inc My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate acting trustee Wakefield And Associates on XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX formerly of XXXX XXXX XXXX XXXX MD XXXX We have been dealing with XXXX XXXX attorney MrXXXX XXXX for the past few months. 
I have informed Mr.XXXX that I did not want to communicate by email.We have asked for communication by phone and now we are been ghosted. 

Mr.XXXX got information from us that Ocwen charged us fees each month to pay our mortgage over the phone.I also let them know that the state of Maryland was investigating them for this as it was illegal. 
Mr.XXXX when he did replay he said that we did pay the fees but it was only twice in 2013. This is incorrect we were charged the fees each month we paid over the phone. 
I informed MrXXXX that the company that they used for their customer service was not licensed in the state of Maryland we got no response. 
Ocwen customer service is the only live phone line you can reach. 
The customer service were the ones that told us your account went to collections and here is their name and phone number and Ocwen has no ownership of the matter anymore. 

I have sent emails to Ocwen ombudsman in the last few weeks and all I have gotten back are letters we will review and get back to you. 
Ocwen has never gotten back with us and they will not be Mr.Messingers words. 

I would like all of the above addressed by Ocwen over the phone. 
I have reached out to many people at Ocwen and XXXX XXXX XXXX over the last few weeks as I don't feel people are been honest with us. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: MOHELA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/Mohela  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am very past due on my mortgage so I applied for mortgage assistance. Well it has been a very long process where the underwriter keeps requesting more documents that have nothing to do with me or my loan. In short this loan is in my name only and given to me without any co-borrower, not even my husband. Well now that I am applying for assistance, the underwriter keeps requesting income and expense proof for my husband 's business and expenses. I have repeatedly written letters to explain that these things only belong to my husband who by the way does not contribute what so ever to the mortgage because it is only in my name. Last thing they requested was a XXXX for me for XXXX from XXXX which is my husband 's business. I wrote them a letter to explain that I was not a XXXX employee in XXXX, I only became XXXX in XXXX of XXXX. They now have denied me saying that I did not provide documents. I have provided everything they asked for in regards to my income and expenses. How can I provide a XXXX when I was n't XXXX at the time? Please help me, they are only interested in taking my home from me and not helping me. Also, they are trying to force me to give them documents that belong to my husband. He is not on the loan and is not willing to give those documents or help me with anything. Please help me keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Linebarger Goggan Blair & Sampson LLP
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Third party collection agency garnish my wages without verifying the debt after I sent them a debt verification notice several times. The agency is in violation of my Due Process of Law, Supreme Court Case Law, International Law and in violation of the Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: U.S. BANCORP
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2016-03-07
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was removed from my credit report then it reappeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
i had a mortgage funded by RP funding. I wanted to refinance to consolidate debt. i provided all docs and everything was fine and i was told oi would not have to pay mortgage for like 2 months. Obviously, i had to pay the pre-paid interest for one of the months and that was fine. The refinance loan closed on XX/XX/XXXX and on XXXX XXXX RP funding did the auto withdraw from my bank account leaving my bank account temporarily short for upcoming other auto withdrawals for things like water bill and electric bill. I attempted to get RP to immediately cancel the auto withdraw and nothing happened. Was forced to threaten legal action if not refunded within 24 hours. Their chief of customer service finally called me and told me i was at fault for not stopping the auto withdrawal. WOW WHAT A TERRIBLE THING TO DO. The old mortgage and teh refinanced mortgage are both under RP FUNDING. Totally unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent the bureaus letters regarding imprecise things I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. It's clearly indicated in Section 611 ( a ) that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated. I urge you to PLEASE assist me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, XXXX I received an initial phone call from Credit Management of XXXX, TX regarding a debt that I was unaware of. I was told that information would be received by mail and on XXXX XXXX I did receive a letter of notice. No details were included and as such I submitted a request by mail ( received on XXXX XXXX ) for verification of that debt. 

I have not yet received that verification however their phone calls and attempt at collecting resumed again today, XXXX XXXX, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account 1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation