BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I short sold our home in XXXX. The home officially was sold on XXXX. Settlement was reached with GreenTree Servicing and account was closed in XX/XX/XXXX. At some point since then Ditech Financial merged or assumed control of GreenTree Servicing. In XX/XX/XXXX Ditech Financial reported to the the credit bureau that we were over 150 days late with payment. As stated before the account was closed in XXXX. I have attempted to resolve this with Ditech repeatedly to no avail. They consistently promise to send me documentation indicating that the mark will be removed from my credit and spelling out there was no missed payment in XXXX. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I speak with them I am told a letter will be generated and emailed to me with 3 business days, however, I have never received anything. I also sent a certified letter to Ditech mailed out on XX/XX/XXXX. I filed a dispute with XXXX credit bureau on XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Unbeknowst to me, a friend has a loan with Sallie Mae. I was unexpectedly called by an employee of Sallie Mae asking the whereabouts of my friend. This was an incredibly intrusive call and upsetting. I had never given my permission to be contacted in this fashion. I asked for his information to follow up. The employee 's name is XXXX XXXX, Counselor for Recovering Income, at XXXX XXXX. His number is XXXX XXXX XXXX XXXX. His supervisor is XXXX XXXX. My friend later explained to me that, although Sallie Mae has her contact information, this employee had similarly called all of her friends, family and even a neighbor. I was shocked to hear this and wanted to ensure the correct supervising authority was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602. A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( eX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Higher Level Processing
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive been with the the company higher level processing for at least 7 years. I was told when I enrolled that my loan withdrew be forgiven after 5 years in a title 1 school. And yet Im still paying. They constantly change the story and plan even when I dont authorize it. Ive tried to ask to talk to a supervisor and never get to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fraudulent late fee that resulted from Citi Cards ( Citibank , N.A . ), deactivating the auto pay. Late Fee, XX/XX/XXXX, {$15.00}. 

I called Customer Service yesterday, XX/XX/XXXX, ( XXXX ), spoke to " XXXX '' who stated the Citibank " Automated System deactivated the auto pay on XX/XX/XXXX. " ( conversation recorded ). 

Same exact fraudulent activity Citibank committed with my wife 's card, Complaint XXXX. It is apparent Citibank is establishing a pattern of corporate fraud and theft.

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 2016-05-02
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I filed a complaint against Home Depot for attempting to collect charges made on my charge account that were fraudulent. Citi Bank sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from Home Depot stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of Home Depot / Citi Bank and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems Citibank is railroading me to pay this debt. 
In closing, this claim has not been retracted and Home Depot did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.

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 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I asked Bank of America if they would take the private mortgage insurance off my loan. I met all the criteria, no late payments in five years, more than 20 % equity. Bank of America denied me because I had refinanced within those five years. Heres the thing, I refinanced with Bank of America. Further more, it was with the same mortgage loan officer, I got the original loan with, XXXX XXXX, phone number ( XXXX ). They said my five years would be from my new refinance date in 2012. I was never informed that I would have to start all over again. All I want is the PMI taken off my loan. I bought my home for {$270000.00}, and it is worth at least {$450000.00}, thats at least 60 % equity. I am a XXXX vet and we should not be treated like this. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this account with EXPERIAN, XXXX AND XXXX and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX. EXPERIAN, XXXX  AND XXXX. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!

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 2022-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I received correspondence stating that my balance on a closed account was one amount. On a credit report dated XX/XX/XXXX the amount on the account is not the same as on the previous correspondence sent by them on XX/XX/XXXX. I asked the company to remove the account off of all three credit reporting agencies because of inaccurate information. The company didn't respond at all and left everything as is on the credit report. I submitted the paperwork proving the two different amounts and they totally ignored my proof.

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2015-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to bank of America on XXXX/XXXX/2015, and deposit {$1000.00} in coins into my checking accountI fill out an deposit slipThe bank teller took my deposit slip, attach it to the coins and give me an ACKNOWLEDGEMENT of RECEIPT of COINS, he told me that the bank would cont the coins and credit my account in a few days. 
A few days after I check my account, I was only credited for {$190.00}. 
I went to the same branch to get some answers, and found out that the bank teller, wrote down {$190.00} on the paper work that he turn in instead of {$1000.00} and there is problemI have made XXXX trips to the branch, I call at least XXXX times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a Realtor, representing a seller of a flooded home in XXXX, LA. The owner has flood insurance and a check has already been disbursed and forwarded to Bank of America and is in their escrow account. We now have the house under contract to be sold, and BofA will not cooperate in providing a pay-off so that the act of sale can be conducted. We have been stalled for 3 weeks, and are getting nowhere in dealing with the pay-off department.

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 2021-11-22
Company: EQUIFAX, INC.
State: NV
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Repossession : XXXX XXXX XXXX  XXXX Balance {$4700.00} ; Accounts included in Bankruptcy : XXXX XXXX NEVADA, XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX XXXX XXXX Balance {$1600.00} ; Public record : XXXX XXXX : Bankruptcy Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday XXXX I moved about {$40000.00} from my checking account to pay off my mortgage. Wells Fargo has removed the money from my checking account and is holding it in limbo. They no longer are paying me interest on the money and they wont close the mortgage so Im still paying interest on my mortgage. I went to a branch office in XXXX XXXX Texas to ask for a payoff amount and was told they couldnt tell me that. At this point they have my money and are not paying me interest and are charging me interest on a loan Im trying to pay off. When I called today they said we had to have a cooling off period and I cant pay off the mortgage now. I need help with these crooks. 

My cell is XXXX, my email 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 2022-05-16
Company: Experian Information Solutions Inc.
State: PA
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:
I sent a certified letter on XX/XX/2022 to remove personal information that I dont want on my credit report. According to the Fair credit reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party individuals. These are clear violations of my federally protected consumer rights.

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 2021-11-22
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for the MIDLAND CREDIT MANAGEM to show proof of verification that I owe them {$64000.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30  days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the Experian, XXXX and XXXX credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe Experian, XXXX and XXXX are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.

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 2015-08-20
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've lived in my home since XX/XX/XXXX. That 's 20 years. I raised my son here as a single mom, post-divorce, without assistance from his father. After remarrying, and refinancing, my husband and I have both suffered job loss in our XXXX. It has not been easy competing with a younger workforce. I went back to school to obtain a degree, but we 're still in a mess. We have been on the verge of foreclosure twice, now, and Ocwen is again making us another " offer, '' after having met the terms of paying a monthly amount, on time, for several months. They are ready to offer us a modification agreement. This modification involves paying them over $ 50K to keep living here, basically, when we only owe $ XXXX. The house has not seen much maintenance or improvement since we 've had so many hardships. Its only value is that it 's in a good school district ... and I do n't want to leave my home. There is no way I will have over $ 50K to give them as a balloon payment in XX/XX/XXXX, when I 'm XXXX years old. I can make the payments, now, and I can even agree to pay their attorneys for working with me, but when the original sale price in XX/XX/XXXX was $ XXXX, and they want that much on top of what I owe, I feel a grave injustice has been perpetrated. And I 'm not the only one being served this foul plate. People are turning up in droves all over social media to protest Ocwen 's predatory practices. When is someone who can do something about this going to get involved? In 15 years, do you realize how many grandmas and grandpas are going to be homeless? Maybe Ocwen wants a write-up with our group photo in the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've sent several letters over the last 60 days and have not got a response to any of my disputes letters from each of the credit bureaus. Per FCRA they have 30 days to respond to disputes and did not respond at all as you can see the laws here : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XXXX XXXX 2021 XXXX XXXX XXXX XXXX closed my account and refunded my initial XXXX deposit, and the balance on my credit account is still not reflecting this update. Also, they are reporting my balance inaccurately to multiple credit reporting agencies. On XXXX XXXX 2021 they sent me an incorrect billing statement as well. They are damaging my credit by not reporting the correct information, it is discouraging, and I do not agree with it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation