BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: TX
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:
15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CCS Financial Services, Inc.
State: PA
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:
Tried to contact this company Credit Collection Services multiple times and asking for debt validation and have yet to receive any response

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: DISCOVER BANK
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
X/X/2017, These charges are all fraudulent. I did not make them. They must be reversed. All " SECURITY DISPUTE ADJUSTMENT '' must be LOOKED INTO and refunded to me. <P/>XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$700.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a debt collection notice from Convergent Outsourcing , Inc on behalf of XXXX XXXX XXXX for {$150.00}. I've spent multiple hours attempting to reach someone at XXXX or Convergent Outsourcing, Inc who can help resolve this incorrect debt collection request and am very disappointed in the inability to reach a customer service agent that understands the issue and is able to help resolve this issue. The debt collection notice is related to the following charge : In XX/XX/2021 I traded in my XXXX XXXX for a XXXX XXXX. I mailed my XXXX in to receive a trade in credit and on XX/XX/2021 I was informed I would be charged {$150.00} due to a cracked screen on my trade in device. I reached out to a customer care agent in order to request this be reviewed as my screen was not cracked when I mailed in the phone and on XX/XX/2021 I received the two attached emails stating the trade in charge for a cracked screen was refunded and ... there won't be any charges made by XXXX further ''.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The following accounts have incorrect information with all 3 credit bureaus : - XXXX XXXX XXXX ( Account Number : XXXX ) : Has incorrect dates of first delinquency. XXXX has date of XX/XX/XXXX, TransUnion has date of XX/XX/XXXX, XXXX does not have this information. TransUnion and XXXX also have incorrect payment histories throughout their filings. 

- XXXX XXXX  ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX through XX/XX/XXXX. XXXX has past due days of 150 in XX/XX/XXXX, TransUnion has past due days of 120 in XXXX. XXXX has me in good standing as of XX/XX/XXXX, TransUnion has me in good standing as of XXXX XXXXTransUnion and XXXX also has incorrect payment histories throughout their filings. XXXX does not have this information. 

- XXXX XXXX  ( Account XXXX : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX until account close date. Many inaccuracies throughout payment history. XXXX 60 day past due in XX/XX/XXXX, TransUnion has 30 days past due in XX/XX/XXXX. XXXX has me in good standing from XXXX XXXX XXXX TransUnion has both 30 day and 60 days past due days in the same time span. TransUnion and XXXX also have many other incorrect payment histories throughout their filings. XXXX does not have this information.

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 2017-10-24
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
EVERY year when we attempt to renew the IBR, the  paperwork gets lost or mishandled at Conduent ( ACS ). We spend hours re-submitting forms and making phone calls while the amount due which is greater than we can pay builds and shows overdue. The company eventually gets the IBR fixed, but forces us to additionally pay the overdue higher amounts, which is a real struggle for us.
Specifically, this year, we submitted the IBR requests via pdf email on XX/XX/XXXX and received a confirmation email onXX/XX/XXXX that showed they had received the IBR request and would contact us when processed. We heard nothing from the company until yesterday XX/XX/XXXX when our bill arrived showing no IBR at all. This happened for both my account and my wife 's, with the total payment due exceeding our combined monthly income. I called ACS and they apologized for not contacting us because " the pdf IBR application was cut off with only half the page visible. '' It is a PDF ... NOT A FAX and I confirmed that the image is complete. SERIOUSLY, what are the odds that two separate pdf docs ( one for me and one for my wife ), sent in separate emails were both " cut off ''???
Now they say we have to start over, re-applying for IBR, because the dates on the application are over 60 days. THE DATES WERE FINE EXCEPT THAT THEY DID NOT PROCESS THE ORIGINAL REQUEST OR CONTACT US THERE WAS A PROBLEM.
THIS OCCURS EVERY YEAR. 
My SSN XXXX My Wife XXXX 's SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 already addressed BofA 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.

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 2021-06-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We direct your attention to the evidence presented at trial in 2019, a letter from Ocwen Loan Servicer, your predecessor, as a response to the defendants complaint to the Consumer Financial Protection Bureau and accepted as evidence by the court, which stated that XXXX XXXX XXXX XXXX XXXX ( XXXX ) is not and never has been the owner of defendants Mortgage and Note. 

Your company has no legal Standing in this matter, yet you have continued to send deceptive demand letters for payment despite numerous attempts by defendants to stop you. 

We are again requesting that you stop sending these letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A random number texted me saying that an atm withdrawal was attempted and to verify it using a bit.ly url. The number does not match the fraud text number that my back uses. The number is 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 2019-07-17
Company: National Recoveries, Inc.
State: NY
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 am currently in a Department of Education Rehabilitation Program. I feel I had successfully completed the required amount and number of payments to be off the program and back to the regularly scheduled payments with a modification to my credit report noting this as such. The service indicated that a " problem with paperwork '' resulted in " having to start over. '' Now I am back in a new rehabilitation program and they are threatening to garnish my wages! I am a United States XXXX XXXX XXXX XXXX XXXX XXXX member and I need assistance resolving this matter please. 

Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived at XXXX XXXX XXXX and was never late on my rent. I am a nurse and at the time was a XXXX instructor for a private school. XXXX XXXX ( which was declared a national disaster ) hit and XXXX was asked to evacuate, which I did. The school I worked for at the time got destroyed by the hurricane and I called XXXX ( the apartment manager ) and explained I did not have a job to come back to. I also asked her to go check my apartment and see if there was damage from the storm. This was a very old hotel that they turned into apartments. She stated there was water damage that resulted from coming in the windows but stated " it was not that bad ''. We discussed my problem and what I should do. Mind you I only had 1-2 months left in my lease. I would never just leave a lease. She stated she had found a women that wanted to take over my lease and reassured me not to worry. I searched for an apartment in XXXX and they sent a form to XXXX to complete to verify I owed nothing. She sent the letter and I moved into my new place. The manager is a very unprofessional person and lied to me and the women moving in. The women changed her mind at the last minute and XXXX was stuck so she has now come up with a bill AFTER she signed and sent a form stating I owed nothing. She is wrong and I would like this removed from my credit ASAP. I have sent pictures of the molded apt and the letter of a XXXX balance multiple times to the credit bureau XXXX and they will not remove it or help me in anyway. Please help d/t this is now affecting me to rent anywhere. This is crazy and makes no sense. I have a letter signed stating I owe nothing. How can she be allowed to do this to me? I have enclosed a release of rental agreement the XXXX apartment in XXXX made me get from XXXX XXXX XXXX stating that I was a good tenet and I did not owe any money to XXXX XXXX XXXX apartments which as you can see was clearly dated after I moved out. I would not have been able to rent another apartment without XXXX sending this. Please notice the move out date of XX/XX/17 and notice the date that XXXX signed and completed this document XX/XX/17 from XXXX stating that I owed no fees whatsoever for any kind or of any violations. She is now coming back saying I owe. Did she falsify a rental agreement or a bill? I sent her an email asking for this after I moved out which is dated XX/XX/17 to my new apartment complex. Please review this and help me finally resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX I send letters to Experian, XXXX XXXX XXXX regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.

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 2021-06-15
Company: AFNI INC.
State: IL
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:
The company AFNI, INC has attempted to collect a debt that does not belong to me. The following account should be removed immediately it is not mine nor is it associated with me ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
An unknown account flagged my credit files with inaccurate/unverified collection information. Their account was updated on XX/XX/2022. It took quite time to locate the company. There are not any names, addresses, or phone numbers listed on the attachments and I had no idea of who to contact. 
Please be advised that Credit Collection Services ( CCS ) are not Holders in Due Course ; no services or goods were received from Credit Collection Services ( CCS ) and I have not agreed to pay/tender anything to Credit Collection Services ( CCS ) on behalf of their alleged client for any reason. Credit Collection Services ( CCS ) have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
Proper documentation from Credit Collection Services ( CCS ) was NOT provided to me to allow Credit Collection Services ( CCS ) to verify the accuracy of their data before placing their account with the credit bureaus for collection. Credit Collection Services ( CCS ) did not include any contact information nor a number. 
This proves Credit Collection Services ( CCS ) is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private medical information to Credit Collection Services ( CCS ). This is proof that my HIPPA rights have been violated. 
Credit Collection Services ( CCS ) do not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Credit Collection Services ( CCS ) s reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX bought my mortgage from another company in XXXX this year. For 6 years I had not missed a payment but once my loan was transferred I 've had issues trying to give them my payments and set up auto payments, ranging from not knowing the account was ever bought by XXXX, to continual issues logging in to their site to pay ( even at this moment I get an error upon attempting to log in XXXX, to not being able to get through the automatic voice system, to incorrect auto payment set up and never hearing about it until my home went into default for a second time and credit agencies being notified - all this despite the home payment being well within my affordability. 

After 8 months, my first improper credit ding was said to have been submitted to credit agencies for correction, while at the same time, unknown to me, my auto draft was n't pulling from XXXX/XXXX/2017 to XXXX/XXXX/2017, so on XXXX I received a letter from XXXX stating that they were in foreclosure proceedings and that credit agencies had been notified again. The payment on this home in less than {$600.00}, which is less that 10 % of my monthly income and I 've never even had a credit card nor am I behind on any other sort of payment ... my ability to afford payments is NOT the issue, yet they have seriously impacted my credit score.

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 2022-04-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase Bank REFUSES to use my cell phone to send a One Time Passcode ( OTP ) to my cell phone, STRICTLY because my cell phone is under the same account as my WHOLLY OWNED SMALL BUSINESS, WOMAN OWNED entity. They say they can ONLY text me if I own my own phone and it is in my own name. This is pure discrimination against women, small business owners, and minorities. The agent specifically told me, I had to have a phone listed under my social security number in order for Chase to use my cell phone. 

However, my ADDRESS listed with Chase IS MY BUSINESS ADDRESS! The address with my XXXX Business Account IS MY BUSINESS ADDRESS! So, that matches! Chase is not saying, I need to have my own address. My email contains the name of my company. Literally, everything SCREAMS my company name, and they are ok with it, except my cellphone. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible

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 2022-04-30
Company: Valor Intelligent Processing, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon answering the call after several messages left by the company, I explained that the debt did not belong to me! The debt was associated with a car I've never owned, and the debt was connected with XXXX XXXX XXXX. The company continued to call, and leave messages while I was in class with students and leave messages at my home, as well as on my cell phone! 
Just of a few of the days, and times are as followsXXXX ( XXXX pm ), XX/XX/XXXX ( XXXX pm ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ) twice, XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ) I NEED HELP! The company refused to obey my answer that it is not my debt! I contacted XXXX and they confirmed that I did not have an outstanding debt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Credit Bureau Services Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have two problems here : One is unfair debt collection practices : First I have received harassing phone calls to XXXX. 
To the degree that I blocked the number. 
In the period of one week, I have received phone calls at the following time : Thursday at XXXX XXXX  ; XXXX XXXX, XXXX : XXXX XXXX  Friday at XXXX XXXX  ; XXXX ; XXXX ; Monday : XXXX ; XXXX ; XXXX, Tuesday XXXX XXXX, So I blocked the number. 
Then I received a phone call on Thursday, XX/XX/2020, with no phone number. It just said " NO Caller ID ''. I answered and they asked for me by my first name. I asked who it was and they said Credit Bureau Services.

Company response to consumer: Closed with explanation