BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I made two payments against the principal of my mortgage in addition to my regular monthly payment. One of the payments was correctly applied to the principal but the other was not. It was incorrectly applied to my monthly payment. My online account indicates that I do not have a payment due until XX/XX/XXXX when it should show that my next payment is due XX/XX/XXXX and my principal amount should be reduced by {$1000.00}. The is the second time Carrington has ignored my request to apply an amount to my principal and misappropriated my payment. I have contacted the company on three occasions. I have spoken with representatives in Indiana, and Texas twice. They are unable to correct their mistake. I was told by the Indiana representative that this recurring problem is caused by improper training of representatives handling payments. They should indicate " NO PROMISE TO PAY '' and they do not. Regardless, they are misappropriating my payments and my account is continually mal-adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Total Card, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX sent an email to me today that they have raised my credit limit, but still have not credited the fraudulent charges from XX/XX/2022 forward. I don't want more credit with them. I want the fraudulent charges from XXXX XXXX reversed, the doubled internal charges manipulated credited, and when that is completed, I will end my business with XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a personal loan from XXXX XXXX of XXXX $ on XX/XX/XXXX. I deposited it at my local chase bank on XX/XX/XXXX or XXXX I can not remember exactly. It was placed on hold as most checks are. Initially the hold was for XXXX. When the hold was supposed to be up, I found my bank account had been closed. On XX/XX/XXXX I saw this and reached out to Chase and was eventually directed to Loss Prevention. After almost of month of talking with both Chase loss prevention and XXXX XXXX we have been unable to reach a solution. Chase says they need Makers verification and can only contact numbers that exist in their internal catalog ( apparently they dont have one for XXXX XXXX XXXX and there other solution was to have a physical employee of XXXX XXXX come to a branch with me ( which is also not possible according to XXXX XXXX as they are mostly online and do not have bankers available to do that ). Lastly Chase has said that XXXX XXXX should be able to Recant the funds but they seem to be having a hard time doing that as well. Regardless {$30000.00} of what should be my money is collecting interest with XXXX XXXX and is not accessible by me at all and it is putting me in a dire financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I encountered an incredibly deceptive marketing practice from Bank of America, which sells the XXXX  XXXX XXXX card. As I checked out from purchasing XXXX XXXX  XXXX tickets, an ad promised " Limited Time Online Offer : Buy One Ticket, Get One for just the taxes and fees + XXXX Bonus Miles. '' It also promised that if I applied right now and was " instantly approved and activated, '' I could use the new card to purchase my current ticket. I was instantly approved, but when I checked the box saying I wanted to use the card right away, I got this message : " There was an unexpected error loading the disclosures so we can't instantly activate your credit card for this purchase. ''

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 2022-12-10
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states. If executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 use 1621. This collection found within my credit report are not rolated to any transaction that I made. I am alleging that a person or company " without my authorization- used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX. 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX  Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX Balance {$450.00} This account does NOT belong to me

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 2022-08-01
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a summary and overview of my complaint against Ocwen Loan Servicing and its subsidiaries PHHXXXX XXXX as well as XXXX XXXX  XXXX My complaint contains multiple severe and egregious actions by the aforementioned entities. The complaints are as follows ; XXXX. Tax fraud- In XXXX  Ocwen modified my mortgage as under the terms of the XXXX CFPB Consent judgement. A principal reduction of {$47000.00} was done on my loan. A 1099 Cancelation of Debt in this amount was issued to me for the XXXX Tax year. Ocwen did not reduce my mortgage and has subsequently attempted to collect the full amount. They treat it as deferred debt. I do have a civil lawsuit against them and this a claim listed. Given the circumstances of the XXXX Consent Judgment it is crucial that this matter is investigated on a broader scale as it is highly likely that this is not the only occurrence and other consumers may be adversely effected. Please see attached 1099 XXXX  In addition Ocwen and its subsidiaries have committed violations of the Fair Debt Collections Practices Act- A. I am a consumer under 15 U.S.C.1962a ( 3 ) or U.S.C.1692c ( d ) B. My Debt is a consumer deby under 15 U.S.C. 1692a ( 5 ) C. The Plaintiff is a debt collector under 15 U.S.C 1692a ( b ) D. The violation is under 15 U.S.C. 1692f. 
XXXX. More disturbingly on XX/XX/XXXX the above named companies committed a criminal felony act by intentionally instructing a contractor to break in to my home, while knowing I occupied the home. There was a criminal case in the District Court of XXXX XXXX, Kansas. The case XXXX resulted in a conviction of the XXXX XXXX. There will be additional charges filed as other individuals have been implicated. 
I would implore you to review and investigate these companies for additional violations of the XXXX Consent Judgment as well as potential harm to other consumers. I have litigation currently in the District Court of XXXX XXXX case # XXXX. Additionally I am working with the Internal Revenue Service and the Kansas Attorney Generals office with their investigations of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing this complaint because Equifax, XXXX and XXXX ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
State: FL
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:
I received a voice mail on Friday, XX/XX/2021 from XXXX, NJ, phone number ( XXXX XXXX stating that there was a problem with the credit card attached to my Amazon account. It said the account has been compromised and that someone had purchased a XXXX XXXX for {$1400.00} using a credit card attached to my Amazon card. After checking my credit cards and calling Amazon there was no charge of this type recorded. My though is they wanted to try and get more personal information from me but since I hadn't answered the call and they just left a voice mail they couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with USAA, on XX/XX/2021 someone transferred from a previous bank account I had 8 years ago with XXXX XXXX XXXX. In amount of {$8800.00} into my checking account and also {$8000.00} into my savings account. And then I called USAA about these deposits that I did not authorize. On XX/XX/XXXX, someone withdrew {$5700.00} from my checking account at a ATM from XXXX XXXX in New York. I did not make these transactions. Then USAA credited me {$4700.00} which left me negative {$1500.00} in my account. On XX/XX/2021 someone withdrew the {$8800.00} from checking and {$8000.00} from savings. I called USAA about these transactions everyday. Then XX/XX/XXXX, USAA ruled in my favor and told me the case was closed. Then on XX/XX/XXXX, they ruled against me, saying that I owed {$5700.00} in my checking account without explanation. Then XX/XX/XXXX, USAA collected {$5700.00} out of my checking account. Which left me negative {$5700.00}. On XX/XX/XXXX, my Social Security XXXX was deposited into checking and was used towards the negative {$5700.00}. So I was unable to pay bills and buy food.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX balance of {$4000.00} reported to transunion & XXXX  XXXX {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. Transunion reports XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for transunion & XXXX  where the last payment with XXXX  is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.

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 2022-09-28
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
We have tried cancelling the booking and at the time of booking this hotel and airline they clearly told us if we cancel before XXXX XXXX we would get a full refund.Now they say airlines would not refund us the money but it would only be the hotel that would refund us the money.As per the conversation had and information processed to us XXXX has lied to us and now we need to cancel the air tickets and hotel reservation with full refund.Amex who support us says they can not call XXXX XXXX and we should call them.Its their responsibility to make sure we get our money back to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history.Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number.Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-10-02
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear CFPB ; I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments most recently on XX/XX/XXXX and XX/XX/XXXX in addition to other years and they ; FedLoan Servicing are unable to provide clear answers. I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. My records show that I should have qualified for the Public Student Loan Forgiveness program XX/XX/XXXX. However, I currently have only XXXX qualifying payments identified through their tracker, with XXXX that need to be manually reviewed dating back to XXXX, and over 20 that are stated as ineligible for qualification. If the XXXX that need manual review could be reviewed it's possible that I would have my 120 qualifying payments now. With the change with providers I believe there was error with tracking of my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Orions Management Group, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to contact Orion Management Group, LLC On XX/XX/2021 to request pay for delete for my closed XXXX XXXX with XXXX XXXX  XXXX XXXX account where I had a balance of {$300.00}. I dialed XXXX and spoke with XXXX XXXX, who became very rude and obnoxious. Requesting my full social security number when I know this is not necessary to confirm my account. The rep deliberately hung up on me 3 times. This company has several complaints with the XXXX XXXX XXXX as being difficult to work with when trying to resolve their debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation