BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX ( Paid in full ) {$0.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$3600.00} XXXX XXXX XXXX XXXX ( Never Late ) {$0.00} XXXX XXXX ( Paid in full & confirmed ) {$460.00} XXXX XXXX XXXX XXXX. ( Paid in full & confirmed ) {$160.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$170.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$830.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to Experian, XXXX XXXX XXXX, XXXX, and XXXX XXXX. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).

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 2015-04-09
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a 2015 XXXX XXXX in XXXX 2015. The dealer provided financing through Kia Motors Finance ( KMFUSA.com ). I received a XXXX statement in the last week of the month with a due date of XXXX XXXX and promptly paid it. As with all credit accounts, I expect a monthly paper statement to show transactions, interest, etc. and make the next due payment with a personal check via XXXX. I did not receive a XXXX statement for the XXXX. XXXX due date. Without the statement reminder, I did not make a payment. Later in the month they called to complain the account was delinquent and confirmed their system never issued a monthly statement. I offered to make the account whole by providing a credit card payment via phone. They said they could not accept that form of payment, but I could give them a debit card, or my checking account data. I do not own a debit card and do not carry my checkbook with me. I mailed a payment on XXXX. XXXX. On XXXX. XXXX, a XXXX. statement arrived with an XX/XX/XXXX due date. That payment went in the mail the next day. But I did not recognize a {$20.00} late fee or pay it. When contacted, the KMFUSA said that I should have known by the terms of my lease that a payment is due every month on the XXXX and it should be made whether I get a statement or not! That 's XXXX poor customer service. As a best business practice what financing arm expects payments every month without delivering statements?!?!? Is there any consumer financial protection that they are required to provide a statement so I can tear off the remittance coupon, include my check and mail it back to them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: PLATINUM HOME MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was paying XXXX I received a letter that I have a shortage of {$7000.00} that I can pay it with in a month otherwise it will be collected XXXX/XXXX/2016. Once during this period you required escrow account balance be reduced to {$1300.00} as shown in XXXX.this amount representative cushion selected by us as allowed by your mortage contract as projected escrow account balance - $ XXXXand my required begging escrow according to this analysis should be {$2300.00} Im in shock how is it that mu payment went from XXXX to {$2300.00} Because

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Asset Management Outsourcing, 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:
I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect XXXX XXXX XXXX to do so also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2016-08-09
Company: SECURITY FINANCE CORP
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My spouse visited the local branch of Security Finance to make a payment on his installment loan and was asked by the representative if he was my spouse. He was then asked by the representative if he had spoken with me about my payment that was due. ( we have separate installment loans that are in each of our names individually ) The representative then disclosed to my spouse the payment being due and the balance on my account and proceeded to ask my spouse to make a payment on my account. My spouse did make the payment. This company had no right to disclose any information on my account to any other party.

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 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened a prepaid account with capitol one at the end on XX/XX/2020, I deposited XXXX $ to open this account. once I started using the card they restricted my account saying it was flagged as possible fraud. I was only using the card daily for gas smokes food etc ... also I was in the process of moving so used to buy things for new place. so I contacted them and finally was able to send them a picture of my bank account statement that showed account number full name and showed the deposit to them in my posted transactions. they reactivated my account and not even a week later they restricted it again, so I called and they wanted me to send them a bunch of documents to prove I was me most of which I don't have as I just moved and have to get new documents so I finally told them to close the account and send my deposit back after getting no where with them as I wasn't about to just leave my account suspended. I was told that it would take two to three months to process and o would then receive my deposit back, which is a long time to wait. it has been four months now and they still haven't processed it and refuse to manually process and send the check to the address they have on file with them unless I send them documents that I don't currently have or way to send them the documentation of the stuff I do have. they pulled the XXXX out of my account of XX/XX/XXXX so for four months now my money has been floating around. I want to know where my money is and why they have refused to release the funds to the address they have on file for me, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have an account on my Equifax report that has been deleted twice and has now returned for a XXXX time. 
XXXX time : XXXX-removed on XX/XX/XXXX, 2016 XXXX time : XXXX - removed on XX/XX/XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am in the process of refinancing my current home mortgage loan through XXXX XXXX XXXX XXXX. My current mortgage lender recently notified me of some disturbingly inconsistent news. 
They referenced a cancellation of Debt, which took place on XX/XX/XXXX, in the amount of {$160000.00}, which exceeded our principal balance of {$69000.00} that also included a secondary mortgage totaling {$11000.00}. We received the confirmation per the IRS explaining that the Debt was canceled on behalf of the mortgage company Ocwen Loan Servicing LLC. 
I contacted Ocwen to obtain clarification and guidance on how I should proceed with my mortgage payments. I was told that I did not receive credit for the cancellation of Debt for {$160000.00}. The only applicable credit was from the HAMP incentive program totaling {$5000.00}. I then continued making my monthly mortgage payments to Ocwen Loan Servicing LLC. 
On XX/XX/XXXX of XXXX, my mortgage loan was transferred from XXXX XXXX XXXX, previously known as ( Option One Mortgage ) to Ocwen Loan Servicing LLC. I had been with XXXX XXXX since the year XXXX and had a long-standing history. Before this transfer, my mortgage was under a HAMP Modification, which I received loan forgiveness leaving me with a principal balance of {$59000.00} and a deferment of {$10000.00}. 
Ocwen Loan Servicing LLC later became PHH Mortgage and XXXX XXXX ( my current Mortgage Loan provider ) for which I am beyond dissatisfied. Before XX/XX/XXXX, in the wake of the COVID Pandemic, I had been making my monthly mortgage payments faithfully. Due to the pandemic, I was forced to place my mortgage loan in deferment. While on deferment, I began exploring other options, which leads me to where I am today. I need to understand precisely where I stand as it relates to my total payoff balance. I need to be provided with the exact dollar amount. 
Thank You in advance for your urgent attention regarding this matter. 
Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My XXXX XXXX credit card send me a check so I can use without interest for 18 months So I deposited that check on to my truist bank checking account on XX/XX/2022 They ended locking my checking account cinse that day. I have been calling every day so they can fix that. They keep saying that the check will be return. And know my credit card needs to get a minimum monthly payment. Can you please help me out or tell me what to do thanks Sincerely XXXX XXXX XXXX XXXX or 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 explanation
Consumer complaint received 2021-01-04
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX I had contacted XXXX XXXX XXXX XXXX XXXX who owns the master servicing rights to our loan ( LOANCARE , LLC ) through this email that I found on Yelp ( there are HUNDREDS of complaints from people ) XXXX An automatic response email said they will investigate this - but NO FOLLOW UP. We would like to receive our OVERPAYMENT of escrow money of {$930.00}. I attached 2 documents to prove this amount. Loancare , LLC has previously tried to take over {$2000.00} of our overpayment of escrow money in XXXX. You will see the complaints I had to write to CFPB to get it returned - at that time, they did not pay our homeowners insurance, tried to charge us for late fees, etc. Here we are again, and they did not return our escrow money like they said they would. I had to contact the CFPB to get them to pay our homeowners insurance ( 2nd year in a row ) on XXXX XXXX, XXXX. The day I complained to CFPB ( XXXX XXXX ) was ironically the same day our homeowners insurance was paid. Loancare LIES - they lie through their teeth!!!!! It is impossible to talk to an actual human being - being put on hold for HOURS, getting disconnected ( hung up on ) there's no direct email to contact anyone - their website will take you in circles with no actual email or contact page that works. It's only through the CFPB that anything will ever get done when problems occur. We would like the return of our {$930.00} overpayment of our XXXX escrow money now. Thank you CFPB for helping us - yet again - with this highly unethical, corrupt, dishonest loan predator.

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 2020-03-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/2018 I put a lock on my credit reports from Experian, XXXX and XXXX XXXX. Late last year I received an email from Experian that my lock had been removed. I did nothing to cause this, and tried to call them to find out what is going on. There is no way you can talk to a live person at Experian. But I did get emails from them regarding my account??? On my XX/XX/XXXX credit card statement there is a charge from Experian for {$19.00} for looking at my credit report, again???. When I called my credit card company, they put the amount in dispute, but also advised me that {$19.00} will be billed each month and I need to contact Experian to have it removed. So far, I haven't been able to talk to anyone at the company to find out what caused this to appear. 

I don't know where to go from here. I've had no problems with XXXX  or 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 2015-12-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Repeated phone calls from Carrington Mortgage Company during grace period of harassing nature. Mortgage payment due on XXXX and have until XXXX before late and late fees incurred. Carrington representatives began calling on XXXX and have been harassing and rude in nature. Have outstanding credit and payment history. Mortgage previously with XXXX and no issues - never late, no foreclosures, no delinquencies, payment history is outstanding to the point where have over paid on mortgage and decreased mortgage payment and have begun to pay on principal. Mortgage was sold in XXXX 2015 to Carrington and have been dissatisfied with their service ever since. In addition to harassing phone calls, have recently received a completely inaccurate escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Per the federal truth in lending act, the printed APR on a retail installment contract must reflect all interest and fees paid by borrowers. Santander Consumer USA charges a bank fee which is paid back as part of amount financed and is not reflected in APR, ergo it is a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: JPMORGAN CHASE & CO.
State: NC
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:
JPMCB Card Services is reporting my credit incorrectly for XXXX, XXXX and XX/XX/2019. This is due to 2 factors. First, when I setup a repayment agreement in XX/XX/2019, the representative whom I spoke with advised that I could choose my due date. However, what the rep did not disclose was that I was choosing my draft date for the payment, not the actual due date. As a result, my payments were drafting after the payment due date. This came to a head in XX/XX/2019 when I spoke with a rep to make payment. During the call, the rep told me " you are already 30 days past due ( the due date was still the XXXX for XXXX 's payment ). '' And then, he said " don't worry about that '' and make the payment when you can. I am asking for JPMCB to correct my credit for the XXXX, XXXX and XX/XX/2019 reporting dates due to their misleading practice of allowing me to set a payment draft date AFTER the payment due date as well as for the representative in XX/XX/2019 who advised me to " not worry about my credit ''. Since then, I've tried to speak with customer service, only to be redirected to different departments without any resolution. Now, with the COVID-19 pandemic, I can't even get through to a representative. In fact, I've been hung up on twice and since then have had to wait at least 45 minutes each time I've called before hanging up because I have to return to work ( can only make calls during my lunch break ).

Company response to consumer: Closed with non-monetary relief