BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan is held by FedLoan Servicing, a company that constantly sends incorrect Income-Driven Repayment forms, fails to process forms in a timely manner, and costs me hundreds of dollars in interest for their constant mistakes. The present situation started in XXXX ( 2016 ). I needed to re-certify my IDR status. I called and requested a paper application be sent to me. FedLoan Servicing sent me a form it knew had been revised by the Department of Education, and also knew that the form would not be allowed by the Dept. of Ed at the end of XXXX. Also knowing they had a several-week backlog for processing paperwork, they sent it to me anyway. 
The form was denied ( obviously ). However, instead of a denial letter, I received a bill ( attached as documentation ) dated in XXXX, meaning I was denied denied in XXXX, prior to the deadline by the Dept. of Ed. I called on XXXX XXXX ( 2016 ) and spoke with a supervisor named XXXX. He e-mailed me the corrected form and said I would also be reimbursed for the postage because I was forced to pay for Overnight delivery by the Post Office. He said that FedLoan had finished processing the backlog of paperwork, and that my recertification forms should be processed within a week to ten days. Today is XXXX/XXXX/16 and no one seems to know what is going on at FedLoan Servicing. The only application they show processed was the XXXX they denied in XXXX. 
Please help me. I can not get a straight or accurate answer from FedLoan -- whether it 's from their Customer Service Reps or their management staff. No one seems to know what 's going on. And I am not sure if they 'll even follow through on my request today ( XX/XX/2016 ) to have my account and case reviewed by a Loan Specialist. ( Then again, I ca n't even get a clear answer as to what that is. ) As of today 's date, supervisors at FedLoan Servicing are still not taking this issue seriously enough to do more than an ( eventual ) response through the mail. I had to browbeat at supervisor ( after explaining again that their mistakes could cost my Social Security XXXX and cause me to become homeless -- as I did in XXXX ) to call me back with a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings CFPB : This message is about a closed Citibank revolving credit line still being reported as open. Thank you for receiving my complaint. 

I opened a revolving credit line with Citibank ( IL ) in XXXX, called " Ready Credit '' ( now called " Checking Plus '' ), and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by Citibank reporting to credit bureaus ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I have tried to remove it but they say it is closed and not to worry. They do not seem to know how to remove this old account. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with Citibank directly, and also disputed it with the credit bureaus, to no avail. Citibank reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The debt occurred more than 7 years in the past. It is illegal to report credit items after 7 years. There was no way to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Second Dispute was submitted XX/XX/2021 for XXXX XXXX in the amount of {$3000.00} according to 18 USC 8, was then " verified '' XX/XX/2021 without providing notice or documentation used to " verify '' said debt. Transunion is also violating my consumer right to privacy according to 15 USC 1681b2 & 15 USC 1681 4. This should be promptly removed considering 15 USC 1681I 5ai : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BC SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX phone number XXXX called my husband during work hours, the caller identified herself as working for BC or XXXX Services debt collection, she was looking for the person reporting the incident. My husband replied that he was the spouse and could be dealt with, she wanted him to verify that she was talking to the right person and asked that he verify my date of birth. Refusing to give that information he asked if she would provide the birthdate, she responded with the correct year and asked that he provide the month and day of birth. Giving her the month and day, she said she was collecting a debt of XXXX dollars owed to XXXX XXXX XXXX XXXX of XXXX. She asked then for a credit card information to pay the debt. My husband responded that we would settle the matter with XXXX directly. He then called me to alert me to this issue. Checking my XXXX account online I found no outstanding balance in my account. Determined to do my due diligence I called XXXX XXXX billing department and was given a number to their debt collection agency. XXXX XXXX is the debt collection agency for XXXX XXXX and they had nothing on their system relating to my account or the number that had been called. XXXX XXXX 's Billing department also confirmed that I had no outstanding balance due.

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 2021-12-28
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the Equifax data breach and may have found its way into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
CREDITORS HAS WROTE TO ME FOR THE REMOVAL OF INQUIRES AND EXPERIAN HAS NOT REMOVED THEM AND ITS BEEN OVER 30 DAYS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: United Debt Holdings, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need XXXX forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I purchased our home in XXXX through XXXX XXXX. I retired in XX/XX/XXXX. In order to reduce our monthly pay out we refinanced through XXXX Mortgage and dropped our interest by 2 percent. The refinance to XXXX happened XX/XX/XXXX. We always try to keep our payments from six to twelve months in advance and this was going nicely until they, XXXX, sold our loan to Freedom Mortgage. We made our last payment to XXXX Mortgage in XX/XX/XXXX. I made two payments to Freedom Mortgage in XXXX trying to again get ahead on my payments. They, Freedom Mortgage, misapplied the second payment as principal instead of the XXXX payment. I wrote Freedom Mortgage in XXXX to their XXXX  Department. I have a copy of their return letter but it is riddled with errors as if no one really paid attention. My complaint is, XXXX promised in a letter to me that nothing would change and it has. Their monthly statements have no amount due or how the payment will be broken down. I have copies of everything if you want them. Freedom Mortgage will not communicate with me about this problem. I called XX/XX/XXXX and asked to speak with a supervisor who refused to take the telephone. I spoke to XXXX but her supervisor would not talk. The letter that I received was dated XX/XX/XXXX was not signed and came from customer care.

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 2021-12-28
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Created an account ( XXXX ) and deposited {$100.00}, bought 18+ bancor coin and have approximately {$9.00} dollars in usd. Want to close account and they require zero balance, but i can't sell anything because they want a wire transfer from my bank ( deposit more money ) which costs {$25.00} both ways which is crazy and unfair since they let me in without a wire transfer. They call it verification ... .should n't that have been done first?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX To whom it may concern, I am filing this complaint against LoanCare. 

-- -They reported to XXXX XXXX XXXX one of the servicers of our mortgage loan that we were late in XXXX when this is not the case and in turn XXXX XXXX XXXX reported negatively on both of the borrowers credit reports. -- - When I was first put into forbearance by the servicer Loan Care ; I made a full payment for {$1600.00} on XX/XX/XXXX when I requested the forbearance until it was approved. ( attached*page1 ) I called back in on XX/XX/XXXX to make sure it was approved and they informed me that they were still working on it and so I made another full payment of {$1600.00} for XXXX. ( attached*page2 ) On XX/XX/XXXX I called again and they told me that they had approved a repayment plan until the forbearance was applied and that I should continue to pay as much as I could and that as long as I paid something that I wouldnt be reported negatively. I made three payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( attached*page3,4,5 ) As you can see on those emails the receipt says Repayment Plan on it showing that I was on a repayment plan. On XX/XX/XXXX I got an email stating the forbearance was approved and that during the forbearance term, late charges and other fees will be suspended. ( Attached*page 6 ) Since that day I have kept everything up to date and have been in forbearance all this time. 
As you can see from the attached Loan Care never reported a late payment on my credit report and everything was in good standing. ( attached*page 7 ) XXXX XXXX XXXX  claims that we missed a payment on XX/XX/XXXX in this letter ( attached*page8+ ). They claim that LoanCare gave them this information, but LoanCare is wrong because we requested for forbarance before that time and they always told us that it wouldnt be marked as a missed payment while it was being approved if we made payments even if they were partial.

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 2016-02-05
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XXXX I applied with Ditech to refinance my mortgage. On XXXX XXXX, XXXX I received a Statement of Credit Denial in the mail. The given reasons for denial are as follows : 1. Unable to verify employment. ( I am self-employed, and was never asked to verify my employment ) 2.Unable to verify customers identity. ( I have had my mortgage with Ditech/XXXX for 15years and they do n't know who I am? I was never asked for drivers license, passport etc. I have had many mortgages and have never been asked to verify my identity. 
3. Insufficient Data property type. ( they have had this mortgage for 15 years. 
What kind of data do they not have on a mortgage that is 15 years old??? 
4. Requested Credit is listed as " XXXX '' with no commas, no dollar sign. ( The original amount of the mortgage was {$160000.00}. My current mortgage balance is {$120000.00}. I only requested a no-cash-out refinance to reduce my monthly payment. 
I have not had any late payments on any of my accounts in the past 3 years. 
I feel that my application was denied with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender ( Ditech ) has not cancelled PMI even though my loan amount is now below 78 % of the original loan amount. I have called them and written to them and the situation is still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CORELOGIC INC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
A company called Credco did a hard pull on my credit without any authorisation from me. I had absolutely NO knowledge of this check on my credit until and after I had applied for a personal loan from another lender and was informed that a hard pull had been performed on my credit by this company. 

When I called the company seeking an explanation they told me they had no record of me in their system at all. 

When I called XXXX thereafter, they confirmed that indeed Credco had done a hard check on my credit. 

I have absolutely no email nor any other record of having had any dealings with this company online or otherwise. In fact, I had never heard of them until informed of the hard pull on my credit. 

This check is fraudulent and done completely without my knowledge or permission.

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 2016-10-05
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In the XXXX, I was accepted into a XXXX at the University XXXX. On XXXX XXXX, XXXX, I received the email below from fedloan servicing. 

" UNIVERSITY XXXX notified us that you 're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 
In-School Deferment Dates Deferment Begin Date XXXX/XXXX/XXXX Deferment End Date XXXX/XXXX/XXXX '' So, since I was under the impression that my loans were in deferment, I did not make payments in XXXX or XXXX. That was fine. There were no issues in XXXX or XXXX XXXX. Then, on XXXX XXXX, I received the following email ... 

" Account Number : XXXX Your FedLoan Servicing account is due for a payment on XXXX/XXXX/XXXX. 

To make this payment, select " Make A Payment '' below and sign in. Or go to Account Access at MyFedLoan.org and select " Payments & Billing ''. You may also view your most recent billing statement at this same location and in your paperless inbox. '' Please note - the email was sent XXXX XXXX, and the bill was due XXXX XXXX. Really, I get one day notice when I was under the impression the loans were in deferment? When I called fedloan servicing this evening, the gal I spoke to could not find evidence of a bill and apologized because this delinquency was their fault. I was presented with two options - pay the amount in full, or file a one-month forbearance. A forbearance would have helped, but when you 're paying XXXX dollars a day in interest it 's not really worth it at that point. 

I graduated with about {$45000.00} in student loan debt. Not nearly as bad as it could have been, but I 've worked my XXXX off to repay my loans in full and on time. I 'm not on income-based repayments, and I 've NEVER missed a payment, but now, I 'm responsible for " fixing '' this problem that was not my fault. 

How can they change the status of your loans without notifying you? How do you know you need to make a payment when you do n't receive a statement? 

Note to all, login to your accounts and stay on top of things! If I would n't have caught this mistake when I did I would have risked it damaging my credit score, the score I 've worked hard to build, the score that controls your financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX, am submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, a consumer, a natural person, and the original consumer of an open-end credit plan, paid off a credit card debt with the last reporting balance on XXXX XXXX from VELOCITY PORTFOLIO GROUP XXXX CKS PRIME INVESTEMENTS Account Number XXXX that is still reporting on my credit report as a collection account. Even though the balance is paid, Ive never given this company consent to report this debt to my consumer report which is a violation of my right pursuant to 15 USC 1692 ( c ) ( b ) and is also a violation of my privacy pursuant to 15 USC 1681a ( XXXX ). Im also not sure how this company received my information because Ive never given it to them, nor did I give anyone permission to give it to them, so this is another violation of my rights pursuant to 15 USC 1681a ( q ) ( XXXX ). Though i did pay this balance off before being ignorant of my rights as a consumer, Ive still never completed any original contact nor have I any agreement with my signature on it with this company.

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