BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company called Amcol Systems appears multiple times on both my XXXX and XXXX credit reports. I have no idea who or what this company is or who this company represents as this company has not sent me any type of communication as to who they are. They just all of sudden appeared on my credit reports causing some negative damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Allied International Credit Corp., (US)
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting repeated calls for someone I do n't know. I 'm receiving at least two calls a day or more. I 've informed them that it 's the wrong number but they still keep calling. This has been going on for about 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2021, I had purchased XXXX XXXX sunglasses from XXXX. I am a loyal customer from XXXX who constantly orders thousands of dollars every week. I had never received my packages for this order. I had tried to resolve it with XXXX and they told me to file a police report and I did but they said they could not offer me replacements or refunds for the items. I tried to dispute to my bank Citi Bank and they denied my dispute for the lost items.

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 2020-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am being charged XXXX in overdraft fees by Citizen 's Bank. This is excessive while going through this covid pandemic. This bank has no regard to customers and continues charge me. 
Multiple times for the same overdraft I can't believe this is even allowed. 
Checking Account No. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-20
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Reference in XXXX XXXX XXXX, Hello i have been contacting citi mortgage to assist me with a loan modification package. I have not even got a return call which i set up 2. I have been just trying to get an answer or status to assist the borrower. They have gae me two call backs which i just called at XXXX XXXX  XXXX and was advised that there was no notes and that the point of contact XXXX XXXXXXXXXXXX has not given me an email or a call back today at XXXX. It is XXXX XXXX now and set up another call back for next week.

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 2022-04-29
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-01-31
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an auto loan with this company. I got out the loan by trading in a car and the loan was paid off over 2 1/2 weeks ago. Flagship has not reported this loan paid and effecting my score. 

Flagship does not accurately report.

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 2022-06-14
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, XXXX, XXXX, equifax has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

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

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

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

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name 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 2020-01-25
Company: Experian Information Solutions Inc.
State: LA
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:
I been writing about this inquiry to be removed nownits wxpired and it's still there it's past the two year mark

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When In look at my credit I notice there are fraudulent and inaccurate accounts reporting.

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 2022-06-14
Company: CMG MORTGAGE, INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a home mortgage on XX/XX/2021. 

I put down 5 %, so I had PMI on the loan. 

I completely gutted and renovated the home, increasing its value exponentially. 

I have repeatedly requested from my mortgage servicer, CMG, that they order an appraisal at my expense to confirm the improvements and higher value to remove the PMI. 

They have repeatedly ignored me and repeatedly sent me erroneous information. 

I warned them last week that if they did not respond to me again that I would file a complaint with the CFPB, and, once again, I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: ENCORE CAPITAL GROUP 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:
this complaint is on debt buyer Midland Credit Management and there inaccurate and inconsistent reporting with the three consumer reporting agencies XXXX XXXX and XXXX. I've sent letters in to all 3 bureaus on two occasions. my first letter dated XX/XX/XXXX I asked to ensure all information was reporting accurately. my second letter dated XX/XX/XXXX XXXX it is now XX/XX/XXXX and I noticed that this agency is still reporting on my consumer report but with inaccurate and inconsistent information. 

one main violation this debt buyer is responsible for is that this debt buyer is reporting 3 different running of reporting periods manipulating the the statute of limitations on this account. XXXX estimated month and year this item will be removed is XX/XX/XXXX. XXXX  on record until reports XX/XX/XXXX and XXXX date of 1st deliquency date reports XX/XX/XXXX making the running of reporting time to be XXXX XXXX so according to midland credit management the LEGAL estimated time frame to remove this account from all 3 agencies are 3 different dates? this is suppose to be one account. its impossible to have 3 different running of reporting periods. this tells me that midland does not have the correct information in there possession and there furnishing whatever they feel like to the consumer reporting agencies. well that's not how the FDCPA works nor the FCRA. according to my actual XXXX  and XXXX reports this data furnisher has reported to both of them this month in XXXX. to my understanding once a data furnisher has modified information on a account then they must send carbon copies to all consumer repotting agencies on. a nationwide bases that maintains files under my name in order to notify them of the modifications to update there files in order to be in XXXX compliance that also falls under the FCRA regulations.. why is there incosistent information reporting. why does XXXX report a active payment history and a past due on this account? a collection account is not a tradeline. there was never no verbal or physical payment agreement or arrangement with this debt buyer and myself to prove that I owe them anything and I refuse to pay a debt that has not been properly validated. to my understanding a data furnisher is PROHIBITED to report INACCURATE information especially after they have knowledge of these errors being reported. as a matter a fact XXXX actually provided me results recently regarding to this debt buyer and they have updated information on XX/XX/XXXX so I know for a fact that this debt buyer is well knowledgeable of the inaccurate and inconsistent information reporting. I have also included more inconsistencies that this data furnisher is reporting to prove my claims in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've recently began applying additional payments to my principal and the servicing company has done a poor job of applying it correctly, without me having to call and reinforce that the payment was sent to the principal. I've used the app/website each time to apply it and chose principal ONLY payment each time. They have either sent it to the suspense account or applied it to my monthly mortgage payment. 
XXXX {$2000.00} to Principal only and they put it in the suspense account. I called XX/XX/XXXX and the agent put in a research to have it moved. XX/XX/XXXX, and XXXX, it still hadn't been moved. On the XXXX, I got the same agent from the 1st time. He researched again. On the XXXX, I got another agent who saw the notes and put in another research. Today, XX/XX/XXXX, still no change. It says next payment due XX/XX/XXXX, with {$220.00}, sitting in my suspense account. This also happened in XXXX when I applied an extra {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Convergent Resources, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The person i spoke to on the phone was a female, and i told her i had never used there services and never herd of them until i received a collection notice from them. i asked the amount that i supposedly owed, she stated {$740.00} dollars, and i said for WHAT, what was this service for, she would not tell me, i asked her the address it was billed to and where, what State, house, apartment, and the address, she said she could not give out that information, and again i told her i had NEVER used there services and never herd of them, she just told me that i owed them {$740.00} dollars. this was back in XX/XX/2018, I also told the credit Bureau to be aware of them, they were trying to rip me off for XXXX that i didn't owe, and it went on my credit report anyway. I have lived in hawaii for 28yrs. that's the only address i will be billed to. 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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/2022 i contacted bofa prepaid services to let them know of multiple charges made on to my account. in total I counted XXXX charges from same merchant. XXXX claims were filed claim # XXXX totaling {$4800.00}, and claim # XXXX for XXXX there was no provisional credit provided even if investigation took over 10 business days. on XX/XX/XXXX both claims were denied. on that same day I contacted bank of America and ask for detailed reason as to how they reached the denial. all i got was a letter in the mail a few days later stating Bank of America did not find any mistakes made?? i don't know what they mean by that. on that same day i called and asked for a reconsideration again denied 2 days later on XX/XX/XXXX and again on XX/XX/XXXX and XXXX. i also contacted the merchant explained the situation and asked for their assistance and told them my bank was refusing to investigate this claim. the merchant conducted their own investigation, which took 7 days they concluded that because the cvv # was used on all transactions that made me liable for the charges even if I didn't have an account with them or done business or allowed anyone to use my card or authorized any of the transactions in question. i have since continued to contact bofa all they keep offering is to resubmit my claim only to be denied over and over without conducting a proper 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 2020-04-21
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In reviewing transaction history due to the other issues submitted in previous complaints, I discovered a GROSS misallocation of funds. I have multiple payments being documented as being applied to the same due date and some are noted as being past due when they clearly are not. The records are completely inaccurate and unclear as to where and how my money is being handled and applied as shown in the attached document. The Lender was pulling my payments automatically so it is not physically possible for them to have been late as noted and it is clearly recorded they posted early yet have notations of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, 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:
Fraudulent applications were submitted in my name and approved. I have a Credit Monitoring service that notified me on XX/XX/XXXX which was within 24 hoursof the inquiries. They provided information on accounts approved by XXXX XXXX using Equifax and XXXX XXXX credit information. I contacted all three parties informing them of the situation. The Inquiry still shows on my credit report with Equifax and XXXX XXXX. Both claim I need to notify XXXX XXXX. However I notified them on XX/XX/XXXX XXXX and they removed the inquiry from my XXXX  credit report but not the others. 

I have contacted both Equifax and XXXX XXXX MULTIPLE times and have been unable to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I get a text that Citibank have transferred {$3000.00}. I did not have such amount of money. So I went to Citibank to ask what this text was, thinking it was not real. They then show me that my entire savings account got transferred to my checking account. Then they showed me that I had taken a {$14000.00} personal loan and then a {$3000.00} check plus loan. A total of {$23000.00} was wired out into an account in XXXX XXXX XXXX. I did not have any knowledge of this. And did not consent to any of the wire transfer. 

Citibank then opened an investigation but denied me twice that it is a fraudulent activity. They did not return the money. Citibank said that they are leaving messages with XXXX XXXX XXXX, where the wire transfer received the amount of money, to return the money. No response from XXXX XXXX XXXX. On XX/XX/2022, Citibank Loan Department said that it was under investigation for fraud activity and that we are not responsibility to paying for the loans ( total of {$17000.00} on loans ). Then on XX/XX/2022, Citibank did an autopayment on the loans. When we called, they said we can not dispute it and they can not change the autopayment and will be taking money from the account. 

Citibank has been telling us different things each time we call them and has not updated us on anything. We do not have any information about the loan or the wire transfer. No one can help us or have enough training to understand what to do. We only speak to the supervisors on the wire department and the loan department. Each time, they are surprised by the information, like it is their first time hearing about it. No one can help us follow up and each time, they contradict each other 's departments words.

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 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is reporting unauthorized hard inquires on my credit report that I do not recognize. 
CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, Our Account at Chase Bank in XXXX Texas, on XXXX XXXX received a wire transfer from the XXXX XXXX  XXXX XXXX XXXX for XXXX, which cleared on that day. It then went into a pending transaction status which it is currently in now. We still have not received our funds, my business partner ( XXXX XXXX XXXX and I ). 
would like to Launch an investigation into Chase Bank, and receive the funds owed to us. 
CHASE BANK PENDING TRANSACTION : XXXX XXXX XXXX TRANSPORT BANK NAME : XXXX XXXX  XXXX XXXX XXXX ACCOUNT TYPE : ESCROW ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX TRANSACTION TYPE : INTERNATIONAL WIRE

Company response to consumer: Closed with explanation