BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a checking account with Citizens Bank and owed a balance of {$2400.00}. What originally happened was my checks were stolen and someone made unauthorized charges on my account. I tried several times to get it cleared up but for some reason nothing was ever done. So because it was giving me bad credit I just decided to pay it off. I received a letter from an collection agency and was offered {$360.00} to have the account paid in full. This was paid back on XX/XX/20 for account ending in XXXX. 
They still were reporting incorrect information so I disputed this last year but it seems there if some things that should be removed. For instance on XXXX it shows charge off for Current payment status and worse payment status. The letter I received from Citizens Bank, which I attached states they would change this to XXXX in full which is not the case. XXXX  says the same thing for current payment status not sure about XXXX. Plus not even sure why it still needs to say charge off when it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was for not returning equipment. When I learned of it previously from my credit reports I made arrangements and returned the equipment ( cable box ). The collection was removed from my report. Then, all of a sudden it appeared back on my report a couple of years later. This is an unlawful collection and the company should be made to indemnify me for my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am not receiving a statement of any kind for our mortgage. Have contacted their customer service dept by phone and email the last few months but have been unalble to get the matter resolved. Not sure if they are being deliberately obtuse or are just poorly trained/uninformed. Would appreciate any help you can give us to resolve the matter. I do n't like paying my money but not having any info on how that money was applied!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/15 I had a deposit of child support on to my ud bank reliacard. I have been unable to use the card since. I have called everyday and waites for up to 3 hours on hold.

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 2016-03-07
Company: Aspen Yo LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Today at XXXX My name is XXXX XXXX owner of property located at XXXX XXXX XXXX XXXX XXXX Maryland XXXX the county XXXX XXXX County. The name of my servicer is Greggory Funding LLC and my loan number is XXXX. In RE : Estate of XXXX XXXX XXXX. I am filing this complaint due to Mortgage Fraud, Negligent Lending, Breach of Good Faith and Fair Dealing and Breach of Fiduciary Duty. 1 ) I have been denied mortgage relief for the last XXXX. 2 ) I have n't received any meaningful temporary or permanent mortgage assistance in the last 24 months, servicer keeps increasing the late fees and penalties associated with my account yet refuse to offer mortgage assistance programs. 3 ) Lender is clearly steering me into foreclosure because they tell me the only option available is for me to pay arrears in one lump sum payment. I am approximately 65 months behind on my mortgage, how do they suppose I come up with that kind of money? Surely this can not be my only option, is it? 4 ) My lender has scheduled a Foreclosure Sale Date XXXX/XXXX/2016. I stopped it with a Chapter XXXX Bankruptcy I demand that lender halt any and all foreclosure activity in order to review and resolve this complaint in a manner suitable to both parties. 5 ) I believe a proper resolution will be to lower my payment to something reasonable I can afford on a monthly basis. 6 ) I asked Greggory Funding LLC for Proof of Claim showing that they have something that I signed showing or made a consideration for owing a debt to them I got nothing showing the debt they said I owed them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported.

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done.

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place.

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I sent the following letter to Citibank. I have not yet received a response and am still being charged fees. I want all these fees refunded and the issue fixed so it does not recur. 
Citibank XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Hello, I am writing because I have been completely unable to get any assistance for my issue by phone or by chat. My accounts are under routing number ( REDACTED ) ( ACCOUNT 1 ) ( checking, ) ( ACCOUNT 2 ) ( savings, ) and ( Account 3 ) ( savings. ) In XXXX, when I opened these accounts in the basic banking package, I was informed that I would pay no monthly fees if I maintained combined balances of {$1500.00} or higher in linked accounts. ( ACCOUNT 3 ) has had over {$2500.00} in it since it was opened. However, on XX/XX/XXXX and on XX/XX/XXXX, account ( ACCOUNT 2 ) was charged {$4.00} for monthly service fees, and on XX/XX/XXXX, account ( ACCOUNT 1 ) was charged {$12.00} for monthly service fees. This most recent charge caused the account to be overdrawn, resulting in an additional {$34.00} fee. None of these fees should have been charged in the first place. In addition, I am quite concerned this scenario may repeat itself in the future. Unless all these fees are removed from my accounts and I receive a guarantee that my accounts are properly linked and such an issue will not recur, I will be closing all my accounts with Citibank and may pursue legal action to cover the {$55.00} I am owed.

Email is the best way to get in touch with me. If necessary, you may also call me at the number above or write back to the address above. 


Sincerely, 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 monetary relief
Consumer complaint received 2016-03-29
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been contacted by them numerous times and each time I have asked them for an itemized bill to verify the amount owed. I keep getting different responses from them from " we do n't have to give you XXXX '' " well why do n't we just settle the debt so you do n't need XXXX '' " just pay your bills you do n't deserve XXXX ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX, I called the Phoenix Financial Services collections agency to get further information about an account listed on my credit report.The original creditor is XXXX XXXX XXXX Hospital and I do not recall the encounter with them. The representative at the collections agency told me that the bill is from XX/XX/XXXX. She said that I had been seen as a patient at XXXX XXXX XXXX Hospital and was diagnosed with XXXX. I explained to her that I would need a copy of the original signed documents because I did not recall being seen at this hospital at this time, nor do I recall having ever been diagnosed with XXXX. She told me that she would send me what she needs to legally send me since I was making this request. I told, specifically, that I am specifically requesting a copy of the signed original agreement between myself and the hospital, so that I could indeed confirm that I signed as a patient on the date in question. The representative told me that her office had no such document. I concluded the call at that time. This call was recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX et al. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
None of the above described my issue. I am filing a complaint on a company, XXXX, for a debt I owe from XX/XX/2011 I was evicted, therefore causing me problems in getting a place to live. I want to pay the debt and have this removed from my credit so I can finally get a home/apartment. I already filed a complaint with the Attorney General and my issue was not resolved. The company will not send me a letter via mail regarding settlement amount etc, also they had stated in the letter via email, which I am not sure is even legal, I had to pay the same day by XXXX XXXX via credit card only. I would like to pay my settlement amount via Cashier 's Check or Certified Money Order. This option was not given to me, nor were they able to meet my request for a letter stating specific terms. Every other company I have paid recent debts to has sent me every letter I have requested and has been very kind. Below you will see what I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Interest rate from inception has not reflected the rate cuts that have transpired since then. A 26.4 % apr is ridiculous in this rate environment. I've had the account for a long time and always paid my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
During XX/XX/XXXX Merchant XXXX XXXX Charged me {$81.00}. 

During XX/XX/XXXX XXXX XXXX Charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 


XXXX  XXXX is a Gym Where I started receiving service as a member, but according to the contract, they were only supposed to charge me {$10.00} monthly, and the amount of {$81.00} was a completely unfair charge for no reason nor did they provide me any reason for it. My Bank of America credit card account is in jeopardy because of all the unfair and overcharging misbehavior and misdeeds done by Merchant XXXX XXXX, and I'm afraid that justice will not be done to me in this case.

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 2015-05-07
Company: Solidus Group LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
We have been paying on this debt for XXXX months ( it is being automatically withdrawn via debit card ) and had no idea there was any problem with this payment. We recieved a voicemail threatening to bring XXXX police officers to our house if we did not pa y and that the state department was involved.There was not an attempt to resolve issue in a businesslike manner, just a very threatening message. 
This company also left a similar message on XXXX of our family members voice mails and said the police and state department were looking for me and gave him all kinds of false information. 
I have made contact and gave this payment over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried numerous times to get in contact with the company to have my loan updated so that i am fully responsible for paying property taxes on my loan. Considering Myloancare 's history with not paying property taxes and causing their clients to lose their homes i wanted to be proactive. I have found it IMPOSSIBLE to get anyone on the phone, as the offices are either close ( for going on a week straight now ) or send you to an automated phone tree that hangs up on you. I even attempted to call the parent company XXXX to see why the offices where closed and if there was a different contact i could use. The lady called me a liar, saying the office are open and hung up. Considering how many other customers seem to be having the same issue, maybe the government will have a less difficult time. This is insane that they are allowed to continue operating.

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 2016-03-02
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen continues to report to my credit bureau erroneously. In XXXX I purchased a condo on what I now know to be an XXXX purchase loan package. The condo foreclosed in XXXX XXXX. Under XXXX. XXXX XXXX, I am protected from anti-deficiency on purchase loan. After repeated efforts to clear this since XXXX, Ocwen continues to report it as owing and delinquent. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
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 Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

UNAUTHORIZED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Atlanticus Services Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Checking on my report, I see that the XXXX XXXX  is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all XXXX credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX   XXXX {$2300.00} XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXXXXXX {$7200.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX {$4000.00}

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 explanation
Consumer complaint received 2016-12-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citi bank initiated redeem my reward money by check XXXX month ago, I still do not get it.I did contact to them XXXX times during that period. Yesterday I received a letter from Citi it written they do not understand what I request it do request me to send a signed letter. They did start it I did not They know what I want and asking, remember they initiated all this.

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 2015-06-23
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a phone call from an unknown number. The caller stated that I need to call back to the Florida Attorney Gereral office at XXXX XXXX XXXX - attorney general state of florida. They threatened me stating that if I do n't call back within XXXX minutes, I will be arrested and thrown in jail for 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation