BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: AZ
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: Other problem getting your report or credit score

Complaint:
I have tried for months to get my credit report from Equifax and XXXX. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2016-09-08
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have been receiving calls from Municipal Services Bureau daily for about two months. The caller ID says Gila Corp. so we are unable to block their calls. The number they say to call is XXXX which we have blocked but continue to receive these calls. The message says they important information and to call XXXX immediately. According to XXXX, Gila Corp. is a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: ALLY FINANCIAL 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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted several times to resolve this. Apparently someone used my identity to secure a car loan. Not mine! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2015-11-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2015, Sears Master Card Services was contacted to eliminate the balance and shut down the account. After a long negotiation two payments of {$110.00} and {$110.00} were to be deducted from my banking account in XX/XX/XXXX and XXXX 2015. As per the representative, these were going to eliminate the balance and close the account. I keep receiving phone calls and bills. I contacted Sears credit cards services again, and they said that back then a balance of {$34.00} was kept on the account. I askd for recording and notes to be investigated. A balance of {$100.00} is still being charged. I have only payed late fees, I used this credit card once. I was promised to be done with this balance and credit card after XX/XX/XXXX and I was lied to by the representative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called the  XXXX   XXXX   2017  to ask a question about how much I actually still owe because the website is unclear. It to ok 25 min utes before anyone answered. I was told I owe  XXXX  plus an additional  XXXX , so I paid all of that online with my bank account. I called again today  XXXX   XXXX   2017  because I notice all that money was gone from my bank but the their website says I still owe  XXXX . It took  me 27 minutes before anyone answered. The customer service is short and rude and actually hung up on me when I started the wait time was too long. Called again 29 minutes got someone. I found out I overpaid my loan by about 120 dollars because the first representative was incorrect about how much I actually owed. Now, I have to wait 60 days to get a refund. It is also worth noting that my credit score dropped dramatically because they claimed they were emailing me warnings about starting my payments but when I c hecked my email on the dates given that I got these warnings I have no emails and also got nothing in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Ocwen Financial Corporation
State: RI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I became deliquent on my mortgage as of XXXX XXXX, 2015 ( the last payment. The tenants had moved out and we missed the XXXX and XXXX payments. As of XXXX/XXXX/2015, Ocwen ; the mortgage holder ; proceed to send what they call a knocker to the door. When they discovered no on there, they proceeded to begin vacancy proceedings. They did not contact the number that I updated with them in XXXX of 2015. Meanwhile on XXXX/XXXX/2015, Ocwen assigned XXXX to come in and " winterize '' the property. I had already done this on XXXX/XXXX/2015. This house was listed for sale under a Realtor. XXXX then stacked all of our belonging into the middle of each room. The house had been staged for sale on XXXX/XXXX/2015 and XXXX/XXXX/2015. XXXX then proceed to padlock the entrances to the home. The house is now under contract for sale. When, we sent people to the home to ready it for the pending sale, the pipes had burst, there were muddy footprints all over the carpeted floor, and cigar butts on the linoleum in the a joining kitchen. XXXX claimed no responsibility and referred us to Ocwen, our mortgage holder. Ocwen claimed that they would not send someone into our home before 90 days delinquency. When this all began, I started the modification of my mortgage with this lender. I repeatedly sent them the documentation they requested and they repeatedly needed more documentation and phone call meetings. It has been 4 months now and they are still telling me I did not submit the right paper work. I believe they are dual tracking me. Trying to delay in order to foreclose. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/22, dispute of inaccurate amounts owed, no action taken by companies accounts should show closed on All credit card / vendor 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022, I took a trip to XXXX XXXX XXXX, since the flight was delayed, and the car rental company we booked was closed when I landed around XXXX XXXX the next day, I decided to rent a car for one day with XXXX  car rental at the airport, the cost for one day was {$120.00}, plus fees and tax, so the total should be around {$180.00} ( see attachment 1 ). I returned the car the same day XX/XX/2022 around XXXX XXXX a total time of XXXX hrs, then I found out after the trip that we were charged {$840.00}, around {$670.00} more than I was expected ( see attachment 2 ). Based on the receipt, the extra {$670.00} was because I was charged a {$500.00} fee on extension and tax and fees associated with it. Later, I started a dispute with Chase over the transaction, but chase failed to protect its customer, believed this was valid. It shows clearly on the receipt that the overstay/extension fee is $ XXXX ( highlighted in red in attachment 2, I only rent the car for around XXXX XXXX and returned it the same day. Why the extension charge was valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My private student loan was originally serviced by what is now, XXXX XXXX XXXX. It was sold over 4 years ago to Discover Student Loans. When it was first sold I noticed the payments were {$100.00} more than the original payment with XXXX XXXX. My current monthly payment with Discover is {$370.00}. I can not pay that. I have told them repeatedly by phone and email, the payments are too much. I have asked if they could lower the monthly payments or refinance the loan to lower the monthly payment. My emails either went unanswered or I was told I have no choice but to pay it, as I had used all of my forbearance. The last email I sent was after a threat AGAIN, telling me the loan was in at risk of being default and that payment must be made or they will escalate it. I emailed the Director of Operations and to beg for his help and to explain what was happening, to this date I have gotten no response. AGAIN. I spoke to a supervisor who I thought would help that turned out to be the most combative conversation I ever had with a customer service agent. I can not live like this under constant threat, I am not refusing to pay them I just want to find a way to lower the payment. I have XXXX other student loans XXXX with XXXX XXXX which is currently on a reduced payment plan, from {$560.00}, approx. down to {$280.00} ( XXXX loans combined ) per month. I also have another smaller loan which is about {$50.00} per month. Discover is the only loan I literally can not pay and that is a problem. I am constantly given the " politically correct '' explanation on how they can not reduce the rate, the length of the loan etc, they explain that XXXX XXXX and others have alot more freedom than they ( Discover ) do to administer student loans, if that is they case why are they even allowed to offer student loans. I am not asking to not pay them I am simply asking to reduce the monthly payments. I even proposed a lower monthly payment of about {$250.00} for about three months, until XX/XX/XXXX, and in XXXX 2015 I would be able to bring account current then, Rejected completely. I need help in talking to these people. 

I have recently restarted my job search,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: ERC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Two days ago I get an alert that there was a change in my report. I looked on an seen that Enhanced Recovery flagged my report, as I 'm unaware of this company and have never had any contract with this company so the negative report was alarming. No communication or letter was every sent nor attempt to be mailed to me, which I would request debt Validation immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-09
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We used Umqua bank bill pay at the beginning of this year. I have submitted a complaint before earlier this month. Umqua never called me and only looked at XX/XX/XXXX of this year. A late payment on our credit would not show up this fast. I have called the bank twice with no return call. XXXX of the payments we used Umqua 's bill pay for was over XXXX days late. We had this figured out earlier this year between the XXXX banks. When XXXX puts their full faith in bank to do the right thing and they do n't and make a mistake, XXXX expects them to make it right. They did not even call us to get our side, They just did nothing but look at the last month and close the case. I can not even get a return phone call.If we had known that Umqua writes a check and then puts it in the mail instead of an electronic transfer of funds we would not have used it. Again my concerns were not addressed and I was not even contacted by Umqua bank. I went with them because they took no TARP money and I was told their service was top notch, I am beginning to wonder now if my faith is placed correctly

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 2016-01-07
Company: Meyer & Njus, P.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company MEYER & NJUS, P.A ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company XXXX XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: First Associates Loan Servicing LLC
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My student loan was held by First Associate and was to be transferred to XXXX. XXXX said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost XXXX years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had many issues with Ocwen applying charges to my mortgage. The most recent one is from XX/XX/2016 they stated that they paid my utilities. All utilities have been paid by me and have proof of statements that have been mailed to me and payed by me. This is not the first time that Ocwen has charged me for utilities that were paid on my behalf to the utility company. I have called XXXX and both have stated that statements get mailed to me not the mortgage company. Previously I have double paid these bills to Ocwen because they offer no additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: OK
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:
Theres inaccurate information reporting to my credit which Ive tried to resolve previously and the bureaus failed to inadequately provide me with a fair and just investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GOT A LETTER FROM CONVERGENT OUTSOURCING, INC SAYING I OWE A DEBT FROM XXXX XXXX  FOR {$540.00} AND I COULD SETTLE FOR A AMOUNT OF {$130.00} WHICH I HAVE NEVER HAD SERVICE WITH XXXX. I HAVE READ TONS OF REVIEWS ABOUT THIS COMPANY WHICH ARE ALL NEGATIVE .A LOT OF PEOPLE WHERE SAYING TO REPORT THEM TO YOU ALL AS THEY HAVE DONE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: MORGAN STANLEY & CO. LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After sending in proof of flood insurance before the deadline, the company went ahead anyway and bought flood insurance and charged my escrow {$700.00}. 

They confirmed receipt of the flood insurance and there is no legitimate reason I should be liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an account with Bank of America for a while. They closed my account due to fraudulent checks. I had nothing to do with the checks being put into my account. I had came back from college to try to open a new account and I was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: OK
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:
Theres inaccurate information reporting to my credit which Ive tried to resolve previously and the bureaus failed to inadequately provide me with a fair and just investigation.

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 2015-10-14
Company: I.C. System, Inc.
State: PA
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:
IC systesm- has listed an collection account on my XXXX XXXX XXXX profile. I have disputed this information yet dates keep changing and amount is not able to be verified. I did not owe XXXX any money at the time I stopped my services with them. I did not have a contract and did not request a contract. 

This same account is with another collection account I have submitted a complaint with XXXX ( complaint # XXXX ) & XXXX ( # XXXX )

Company response to consumer: Closed with explanation