BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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 XXXXThis 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 im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital one is reporting a credit card on my credit account that I have never opened with them, my information was exposed in XXXX data breach and some other stuff was on my credit profile as well. That other stuff was deleted because they knew it was not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My sister defaulted on a mortgage I helped her get I moved in with my new family she chose not to get a roommate milked the system for years and now I 'm in debt ... I just want to do deed of leiu so I can buy my family if XXXX a home and XXXX XXXX XXXX jerked me around after applying for their large lawsuit! Then shady transferred my account knowing I wanted to save the home and my credit yet still gave me to bsi financial in which I 've submitted XXXX loan mods to no avail!!! All I want is money to move into a new home w my family of XXXX and give this home up debt free! Nobody is cooperating! Please help us XXXX or XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Nationwide Recovery Systems, Ltd
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was injured at my work place in XX/XX/2015 that required a visit to the emergency room. My employer paid most of the bill, but I have only recently been notified of an outstanding bill of {$430.00} that I was not made aware of until I noticed the derogatory claim on my credit score. The collection agency is XXXX XXXX XXXX. They claim to have notified me, but that has not been the case. I have not received any claims in the mail. I beleive this to be a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Rewards

Complaint:
Citi closed my credit card account without warning. Customer service said they could not tell me why my account was closed and I had to write directly to Citi Bank. I wrote Citi Bank asking for an explanation and for them to reinstate my account. They responded via mail quickly, but the said they would not reconsider their decision but still would not offer an explanation for why my account was closed. As of the final billing cycle, I had accrued {$150.00} in cash back rewards and Citi deems these points to be forfeited due to the status of the account. If I had been warned of a shutdown, but did not heed the warning, then I could understand the forfeiture. However have my account was always in good standing and involuntarily closed by Citi without warning and my earned rewards involuntarily forfeited without explanation. This is not acceptable. Citi earns money per each transaction and promises rewards on these transactions to their consumers. If I had known I would not receive rewards for these transactions I would have taken my business to a competitor instead. Citi may have chose to cut ties with me, which is their right, but to not pay the accrued rewards I earned is extra revenue to Citi, directly at my expense. I sincerely ask Citi to pay the rewards due to me and to reconsider my business.

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 2020-10-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had been making payments on a mortgage loan against property that was originated fraudulently, but loan was in my husband 's name. I did not discover the new loan until husband died in XX/XX/2016. I continued to make payments but sued company XXXX XXXX and Ocwen Mortgage Servicing ). During the litigation Ocwen tried to stop accepting payments and rerouted all mail to the wrong address. In XXXX they started rejecting my payments for no good reason until the mortgage got behind several months. After the lawsuit when I called to check the status of the loan I was initially told that no one could talk to me about the account. Finally, after resubmitting information that I had already sent showing that I was the Executor they finally spoke to me. Now they have added late fees and started to threaten foreclosure without answering why they originally rejected my payments. Now it is approximately {$11000.00} behind and I can not catch up, however, they want me to pay the default and fees in full. I can not pay everything at once, but I do want to resume making reasonable payments since I never stopped making payments anyway. I believe this is harrassment and retaliation for suing Ocwen and not assuming this loan after my husband 's death.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I called the company for a balance on a current debt that I was paying off because they did not update the computer and my online account said that I still owed the full amount. Upon calling, the representative said I had another account. I told her I did not know about that account and she said it was probably because the bill was sent to an old address. Although, the company has my current address, I updated my address with them. After hanging up, I realized that the address they sent the bill has someone who will hurt me if she finds me living there. I called back and asked why they sent the bill to an old address when they have the current address on file. She told me that they did not send the bill and that is not what the first representative said and that all calls are recorded. I told her my lawyer will be subpoenaing that record. She said she was going to get a supervisor. The first girl got back on the phone and tried to tell me that is not what she said. I tried to tell her that she did say that. The so called supervisor got on the line and told me that they can not control when they get bill. I told him that was not the issue. The issue is that they sent to the wrong address when they have the correct one on file. Also, that they put my life in danger. He tried to argue. I told him that my lawyer will be subpoenaing the records. He said get your lawyer and hung up. I called CFPB and the representative told me a few things to protect me against scams. I called back later without giving the representative any information and asked for their license number. At first, she told me she did not know what I was talking about. She put on hold a couple times. Finally, she told the company did not have one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AAG solicits for reverse mortgage loans but doesn't even know the HUD Loan requirements for reverse mortgages. So they go forward wasting time and getting your money quickly to pay for an appraisal. Then the appraiser notifies AAG of the HUD loan requirements that AAG should know. Then AAG wants to keep the money for the appraisal. After much battle, AAG refunds {$270.00} but refuses to refund the other {$120.00}. 
After much battle for a measly {$120.00}, I receive this email and copies XXXX XXXX : From : XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/2020 XXXX XXXX  To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : Transaction Refund from AMERICAN ADVISORS GROUP for {$270.00} ( USD ) XXXX XXXX, Maybe you misunderstood what I told you, I stated that we authorized the additional {$120.00} and that we would be sending that out separately, youve received the 1st portion of refund you should be getting the additional {$120.00} as well. Sorry for the misunderstanding. Please feel free to call me for further clarification if needed. 

Thanks, XXXX XXXX Mortgage Professional NMLS # XXXX AAG | American Advisors Group Phone : XXXX ext. XXXX Fax : XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Please consider the environment before printing this email. 

44 DAYS LATER, I receive this email : From : XXXX XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : [ External ] RE : Transaction Refund from AMERICAN ADVISORS GROUP for {$270.00} ( USD ) Hello XXXX XXXX I was informed that the request for the refund was declined. 


AAG must be having money problems, is a mess, totally unorganized and their word isn't even worth {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Creekside Recovery And Capital Management
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Received a voice message from a man named " XXXX '' on my personal cell phone, referencing a case # and a phone # to call back for any questions or to make a payment. Also stating he was on his way to my residence as well as my place of employment to serve me some important legal papers. I called back the # that was left and got a recording stating it was Creekside recovery and capital management, I gave my case # and informed the gentleman I had filed for bankruptcy in XXXX of 2014 and asked why I was being called and was promptly hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Put in application for loan modification! Uploaded documents including contribution letter. Don't get a phone call from the person handling it. Just get a letter requesting up date contact info and options for modification. I went from XXXX XXXX taking 5 months with modification to selling the loan to this place. I have every document sent to loss mitigation and my representative!! 

I even sent to the loss mitigation representative to her email and XXXX plus faxed to XXXX. 

I don't know what they want!! Their website sucks!! Can't upload to portal without error messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: CITIBANK, N.A.
State: FL
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
I have had a long standing, perfect pay history, line of credit with Citibank. It is important to maintain a good credit score and I monitor mine. Citibank pulled out of Texas and sold all branches to XXXX XXXX XXXX. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with Citibank was closed and moved to XXXX XXXX XXXX. The problem is that XXXX XXXX XXXX now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with Citibank, became slight negatives with XXXX XXXX XXXX ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both Citibank and XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This complaint is linked to CFPB # XXXX - this is the XXXX of the XXXX credit cards with Chase Cardmembers services. 
We were contacted by telephone on Friday XX/XX/XXXX at XXXX ( EST ) by a representative name XXXX who informed us that Chase was reducing our credit limits on all XXXX of our Chase credit cards because our debt to credit ratio was too high and we are now being considered to be a high credit risk. All of our Chase cards have a credit history of 2 years or more however to reach this decision, only 6 mos was used. After some minutes of discussion with XXXX, she transferred us to another representative XXXX. Things went downhill quickly with XXXX as he demanded to know " What are we spending our credit cards on? '' ( Not just Chase all of them - which is none of their business ) - XXXX, XXXX and later XXXX all insisted they used XXXX as the information source to reach this decision on reducing credit card limits on all XXXX of our Chase credit cards. 
On 2 of the letters we received from Chase cardmembers services ( we still have not received a letter on the business credit card ( XXXX ) the explanation on the letter indicates ( 1 ) Rapid increase in revolving balances ( 2 ) Balance owed too high ( on this particular card it was opened in XX/XX/XXXX with a credit limit of {$15000.00} and it only had a balance of {$3600.00} ) We have since paid this account off to XXXX. We have never came even close to maxing out the credit limits on this card. XXXX, XXXX and XXXX all admitted in the phone conversation, they did not even consider looking at the payment history on the card. 
Reason # 3 on the letter indicated the Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. Yet when we went to XXXX, there is no past due history and never has been. As previously stated THESE PEOPLE LIED. 
We feel violated and insulted by the action of Chase Cardmembers Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
chase has provided XXXX different responses to my escrow inquiry, I agree that there should be a shortage because taxes and insurance has increased, but not a shortage of XXXX dollars. Please advise what has happened to the XXXX dollar credit when was that applied to my account you mentioned that in your last letter. Please advise what happened to my payments that were held in suspense. Please advise if you added the Escrow payment amount into the trial payment calculation and then why did the payment change, and if you put the balance back into the loan. Why do I have to pay it over again. It appears that I 'm paying the you and taxes and insurance over again. I just want a final balance amount of what I owe so that every year there is n't an increase unless Taxes and insurance increase. I do n't have a problem with the increase in taxes and insurance ... that I understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Debt Collectors International, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We hired this debt collection company Debt Collections International, located in Florida apparently with telephone number XXXX to collect legal fees on behalf of our law firm, but all they did was : ( 1 ) not communicate with us effectively or at all ; ( 2 ) not tell us who they sent collections letters to or whom they called ; ( 3 ) violated the Fair Debt Collections Practices Act every chance they could ; ( 4 ) said they terminated our services in writing but we never received said termination ; ( 5 ) claimed that they only reached out to 4-5 debtors even though apparently one of my rogue employees sent them more than 50 accounts without my knowledge or permission ; ( 6 ) never communicated with me, the CEO, or even wrote me a letter, or even responded to my multiple emails in months. 

Please investigate and advise this mess of a company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, 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 have a IRS lien in the public record in  XXXX   XXXX , FL that has been resubmitted by the IRS with new totals and dates and Equifax refuses to update/remove this from my credit file .  XXXX    and  XXXX  have corrected the errors and have updated the IRS information ; but Equifax steadfastly refuses to update or remove this inaccurate information.I recently lost the opportunity to lease an apartment due to this inaccurate lien reporting on my Equifax report.  Equifax  is relying solely on a third party they use. (  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: CA
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 applied for a XXXX XXXX  loan today XX/XX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-10-02
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2020 XXXX afini/XXXX  XXXX XXXX THIS WAS FILED ON MY CREDIT REPORT AND I HAVE NO REASON TO DO BUSINESS WITH THEM. I TRIED REACHING OUT TO THESE GUYS AND THEY HAD NO ANSWERS FOR ME. I WANT THEM TO REMOVE FROM CREDIT REPORT XXXX, THIS IS CAUSING PROBLEMS FOR ME. MY CREDIT IS FLAGGED TO CONTACT ME BY EMAIL AND PHONE WHEN MY CREDIT IS RAN. AND HAS BEEN IN PLACE FOR OVER 5 YEARS. I UPDATE EVERY YEAR.

Company response to consumer: Closed with explanation