BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed bankruptcy years ago, case number  XXXX  and   XXXX   XXXX    XXXX   XXXX  COMPANY AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDERS OF   XXXX   XXXX    XXXX  MORTGAGE PASS THROUGH CERTIFICATES SERIES  XXXX , intervened in the bankruptcy. I was informed that my mortgage and note was transferred into that trust, some years ago, if this is true I would like to know when it was transferred.   XXXX   XXXX    informed me that they have no interest in the property located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Il  XXXX  and I am trying to determine if the Mortgage is in that trust or not because I keep getting contradicting info. I have sent sever al Debt Validation Letters and Qualified  Written Requests, which have gone unanswered. I would like the contact information for the Trustee. I am trying to get clear title

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: CA
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 XX/XX/XXXX I sent certified letters to XXXX, XXXX and Equifax about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked XXXX and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from XXXX or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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 was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX   XXXX XXXX {$150000.00} XXXX XXXX XXXX   XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2021-10-27
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Today XX/XX/2021 I attempted to transfer funds from Coinbase to my credit union account / debit card. I received an error message stating " We're having connection issues. Please try later. '' I tried later, repeatedly, and got the same answer. I have {$7000.00} in Coinbase, and I need it today. My email with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card is a no fee card, but I have been charged {$59.00} a year for 4 years. I called and was unable to speak with a supervisor. I cancelled the card. They stolen money! This is illegal

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the Chase XXXX credit card and the contract included a XXXX for XXXX International Business Companion benefit. However, that benefit was NOT as advertised. I paid for a year of the benefit ( per the contract ) and those benefits did not last the year I paid for - they actually were restricted and ended on XXXX XXXX, 2015. Chase blatantly lied about the card 's benefits so I want my annual fee back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/XXXX I sent certified letters to XXXX, Experian and XXXX about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked XXXX and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from XXXX or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I was pre-approved for a credit card from upgrade through XXXX XXXX I thought I was getting a credit card and it said it would not affect my credit score but I got a personal loan instead and it did show up on my credit report and I thought I was getting the credit card through XXXX XXXX pre-approved

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 2022-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I reached out to Resurgent Capital Services ( owner of LVNV Funding LLC ) to ask the TOTAL payoff amount of my Acct # XXXX. The original debtor was for an XXXX XXXX credit card account. Associate on the phone advised me ; " the total payoff amount TODAY is {$240.00}. '' I paid that exactly that amount by phone on XX/XX/XXXX. 

Yet today ( XX/XX/XXXX ) I received a letter stating the {$240.00} I paid was the " 1st installment in a payment arrangement. '' This is inconsistent with what I was told by telephone. So despite my paying this account in full, I find myself being extorted for another payment in the same amount ( much more than the original debt ). And the company has not even posted the payment I made to the credit bureaus. When I made the settlement payment I asked the associate when would a letter be sent to me confirming the paid off status so I can submit it to the credit bureaus. She stated " we have already posted paid off 's for this month, and will not post again until next month. It won't be reported to the credit bureaus until then. '' It has already been one month, and my paid off status has not been reported to the bureaus. The demand for a second payment is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Experian XXXX score on XX/XX/XXXX is XXXX. In XX/XX/XXXX my Experian XXXX  score was XXXX. My score dropped nearly 30 points with no valid reason as all payments in this 5 month period have been on time, I have not applied for any additional credit lines and I have paid all credit card balances to XXXX each month. My XXXX credit score on XX/XX/XXXX is XXXX. My XXXX  credit score on XX/XX/XXXX is XXXX. I contacted Experian via telephone and they were unable to explain why my credit score with them is 70 and 68 points lower than those of XXXX and XXXX, respectively. Their dispute specialist told me that there may be different companies reporting to Experian than the other two credit bureaus and that could affect my score. The only different company reported on the Experian report is 4 closed accounts with XXXX, XXXX, all closed and with an Exceptional payment rating as all payments were made on-time. I also have 2 utility companies on the Experian report through Experian XXXX, both with an Exceptional payment history. These factors would seem to warrant my credit score with Experian to be higher than that of either XXXX or XXXX, but that is definitely not the case. I could understand a 5 or even 10 point disparity between the credit scores from the different bureaus, but 70 points is ridiculous. Everytime I log into the Experian website, the first screen that appears is to upgrade to a Premium membership. I would gladly pay the fee for the premium membership, if that is what it takes for them to accurately report my credit score.

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 2021-10-27
Company: Paramount GR Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon selling our home, we transferred the loan on the solar panels to the new homeowner. The owner was required to become pre-approved and sign an agreement with Loanpal, aka XXXX ( as of XX/XX/XXXX ). Loanpal released the Lien on the home once all of the contingencies were met so that we could close. We closed on our Home on XX/XX/XXXX. The XXXX payment was autodrafted from our account and upon calling and inquiring Loanpal stated it was because the account had not been fully transferred but to not worry they would not be auto drafting our payment anymore. A couple of months go by and we started receiving letters regarding delinquent payments. We contacted Loanpal and they said to ignore the letters that the transfer process was not finalized but that it would not show up on our credit etc. XX/XX/XXXX The transfer process was finalized and we received a letter with a XXXX balance. However during the time between XX/XX/XXXX and XX/XX/XXXX Loanpal reported delinquencies to our credit report and they continue to report the balance due of our previous loan as well as the standing of the loan being 90+ pays past due. This has sent our credit scores plummeting and is false information being reported to the credit bureaus. Loanpal has refused to fix the issue when contacted. We have disputed the claims with the credit bureaus and are currently awaiting results.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: CA
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 HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I have been advantage customers with Bank of America NA since XX/XX/XXXX. One of the advantage checking accounts was suddenly closed down on XXXX XXXX, XXXX. I called Bank of America customer service and was transferred to XXXX other departments : Risk ID Support Center, Checking account Fraud Dept, Credit/debit Fraud department all which gave me no answer as to why the temporary freeze of the account. I spoke to different levels of authority and got only as far as to have a reference assigned # XXXX and that someone named XXXX XXXX in the Corporate Security Dept was to handle it. No one that I spoke to knew an extension number or was able to get a hold of that person or offer me any explanation as to why the sudden freeze of the account. This account is tied down to 12 automatic payments and a direct deposit. This sudden freeze is causing mayor financial hardship and worse of all no answer to all the contacts I to reach out to. The financial institution should be held liable for any hardship this has caused us. They are trusted with the handling of any money we deposit and make payment to accounts both personal and business accounts. To suddenly STOP that flow is outrageously disturbing and causing mayor financial and emotional distress. No financial institution shall have the sole authority to intervene in a personal checking account without cause and without a prior warning.

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 2017-05-23
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
When trying to submit a dispute with Equifax, it asks me questions to confirm my identity, and the questions are n't about me.  Main one that raised a flag was " Our records show you have a Student Loan, what credit union is tha t through? ", and I 've never had a Student Loan, there 's a couple other questions that I 've been asked that I ca n't recall at the moment. This is resulting in my Equifax not changing, and being stuck at a low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, my then wife and myself purchased our home. At the time, mortgage companies were mostly approving " interest-only '' mortgages. XX/XX/XXXX, my wife died from XXXX XXXX. I continued paying the mortgage until XX/XX/XXXX. I received a notice from the mortgage company that the " interest-only '' period ended and my mortgage would be doubled to include payment on the principal. My employer suddenly closed down. I applied for social security benefits from my deceased spouse. While everything was being processed, I contacted mortgage company and asked for a forbearance, I just needed a few months not to pay mortgage.I wanted the term extended to back end of mortgage term. I was ready to pay the new amount after the few month period. I was denied over and over again by the mortgage company. In addition, the mortgage company kept changing contact representatives. They also kept losing paperwork that I submitted per their request. On XX/XX/XXXX, I received a denial letter for my loan modification. Their treatment in my opinion has been unfair, unjust and illegal. I think that the original loan was PREDATORY. I am in the process of appealing the modification denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: NC
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 XXXX this complaint is not made in error neither is it being made by a third party. 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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related 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 2021-10-27
Company: Experian Information Solutions Inc.
State: NY
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 been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even XXXX and nothing has been resolved. It was taken of off equifax 2018 but its still showing on Experian and XXXX XXXX. I am trying to have a fresh start and its not right these XXXX XXXX and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through XXXX XXXX. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.

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 2021-10-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls themselves Midland Credit. 

They keep calling about a credit card account in the amount of over {$500.00} that they claim I owe from 10 years ago. 

I have repeatedly asked for them to send me validation of this debt because I don't recall anything about it. 

But they just keep sending bills which is NOT proof of the supposed underlying debt. 

As of lately, they call ALL the time. 

They just dialed my phone 5 TIMES within 1 minute. 

When I called back, the person I spoke to was aggressive and insulting and I had to hang up on him because he just kept saying they have validated this debt which they never have. 

I gave him my current mailing address to send validation, but they never do. 

I'm tired of being HARASSED by these people. 

Please help! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied and been accepted for modifying my mortgage. Mr. Cooper/Nationstar says I am accepted but the payments are nearly {$7000.00} a month. They use their own insurance which is over {$1500.00} per month. They want me to make 3 payments at nearly {$7000.00} and they will look at modifying the loan, it isn't guaranteed. So they are asking for this outrageous payment for 3 months, then they could say I am not approved for the modification. They are purposely making this undoable so they get your home. This is not right. I also have a confidential tolling agreement which Mr. Cooper/Nationstar violated and did not follow. The violation of this agreement should make the foreclosure void. 

XXXX XXXX LOAN NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have bank documents that show closure of both personal checking and savings accounts at Bank of America on XXXX XXXX 2015. However, the company an email on XXXX XXXX 2015 stating the checking account had a {$24.00} deficit after filing a written complaint with the Consumer Financial Protection Bureau. I placed a telephone inquiry to a banking representative XXXX XXXX 2015 about the deficit ; however the person was unwilling to provide any written documentation that verified the origin of the deficit, why the bank processed it on a closed account, why the bank reopened the account to process a transaction with neither my consent or authorization.

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