BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet XXXX XXXX XXXX XXXX has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on Trans Union.

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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX/XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX   : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX : XX/XX/XXXX However, they sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.

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 2021-12-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2016-03-06
Company: Real Time Group, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I received a XXXX XXXX for {$160000.00} from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in XXXX XXXX Florida I purchased in XXXX. XXXX XXXX XXXX held the interest-only mortgage at the time of the foreclosure in XXXX at which time they issued a XXXX stating the principal balance was {$230000.00} and the XXXX of the property was {$34000.00}. At the time of the purchase XXXXs own appraiser appraised the property for {$250000.00} and lent me and a partner {$230000.00} ( 95 % ). They then transferred the loan to a XXXX XXXX XXXX spin-off XXXX who sold the loan to RTR who is now sending me a XXXX. They did not send one to my 50 % partner who signed the mortgage docs and sent me a XXXX for the total amount. I contend that XXXX was my lender and they should send me the XXXX which should be for no more than half the amount due. Also, I contend the amount is too great. XXXX predatory lending practices lead to the overpaying for this lot which they contend was worth just $ XXXX a the time of the foreclosure ( three years later ). This reporting was handled completely wrong by RTR. I wrote to them in XXXX and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over a year ago my mortgage was transferred from XXXX to Caliber Home Loans. It was a very tumultuous time period because I 'd filed for bankruptcy BUT my home was NOT included and I always paid as agreed. Apparently, per Caliber Home Loans over 2 years ago XXXX XXXX XX/XX/2012 XXXX they said that I did n't make a payment, which is not true because my payments were made automatically using automatic bill pay set up with my credit union. My credit union shows the payment made per the history provided. As of recently, I am receiving mortgage statements equating to the missed payments plus late fees that they just tacked onto my account. Everytime I call Caliber loans, I speak with a different representative who provide a different story regarding my account and want me to agree to pay the late charges when I was never late. Also, prior to this discovery, they were not reporting on my credit report and NOW they want to report derogatory information which absolutely not true. Please provide the necessary assistance I need because I will not pay XXXX for payments Caliber say I missed in XXXX XX/XX/2012 to XXXX. I 've always paid my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is the 3rd or fourth complain I am filling with this bank. I had travel out of the country back in XXXX and prior to that had contacted the customer service online to inform them. While overseas, I used my card twice in the ATM. When i checked my online statement after returning., I saw that I was charged international ATM, Fees, and other fees. I had asked the representative if i could use my card and what other fees i should expect, I was told it would just be the ATM fees since its not my bank 's ATM. yet I was charged other fees. Secondly, I am constantly charged overdraft fees, Often I would check for my account and know I have funds available and would still get charged. Sometimes i get charged double the fees. I understand the terms of having overdraft protection, but I feel this bank uses that to their advantage to overcharge customers. Its almost like a punishment. The government needs to look into it. its becoming an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, 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:
Ive sent numerous letters to equifax, XXXX and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Hewitt-Capital
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone name XXXX from XXXX XXXX XXXX called my parents home listing my name and last 4 digits of my SSN taking they attempted to serve some papers to my home and if I didnt contact them in the next 24 hours they would contact me on my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
During the closing of my home in XXXX of 2015, I was never given an opportunity to opt out of having my personal, non public information furnished to third parties. I also did not receive a conspicuous disclosure, stating that they would furnish private transactional information in regards to my account to third parties. This is a violation of 15 U.S.C. 1681b. ( a ) ( 2 ), 15 U.S.C. 6801., & 15 U.S.C . 6802.

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 2021-12-24
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:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is
substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XX/XX/XXXX I 've tried to get a loan modification through Loss and Mitigation at Caliber Home Loans. XX/XX/XXXX they close out my file and reopened it on XX/XX/XXXX again Caliber Home Loans closed out my account. I have sent them via email an application for the Loss and Mitigation process and other requested documents. Every time I phone them back I 'm told I need to send more documents that they did n't receive or claim was n't signed. On Thursday XX/XX/XXXX I sent them more documents. Time is of the essence since my property will be foreclosed on XX/XX/XXXX at XXXX XXXX, Colorado time. I would like to save my home as it is my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX and 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 from 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 2017-05-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix 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 2015-09-13
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, i filed for Chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX, while in the bankruptcy payments which were made through the bankruptcy trustee totaled {$110000.00} in principal payments and {$10000.00} in arrears and {$7100.00} in post arrears, totaling {$130000.00} in payments.According to caliber home loans out of the {$130000.00} that was paid reduced my mortgage principal only {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Dear BSI Financial Services, Attached please find IRS FORM W-9-REQUEST FOR TAXPAYER IDENTIFICATION NUMBER AND CERTIFICATION. Please fill out and return to me at the address noted below and I will send you the 1099 for the attached payment by Check # XXXX for {$13000.00}. Attached are : 1-Check # XXXX payable to the Law Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2-Motion to Compel Distribution of All Funds in the Court Registry to the Plaintiff 3-Order Granting Motion to Compel Distribution of All Funds in the Court Registry to the Plaintiff. 4-Request for Payment Form Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
Hello, my name is XXXX XXXX and 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 from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2015, Citibank NA issued a tiny check to me as refund for " certain fees [ that ] were billed by Citi during periods when not all of the program benefits were provided. '' This is in association with the {$700.00} XXXX in penalties levied on Citibank in XX/XX/2015 for misleading consumers into buying services they did n't need, did n't know they were paying for, or did n't do what the services purported to do. 

I found the misplaced check today and even though it was a very tiny check, called Citibank to see if they could reissue it. 

The number I called that was listed on the check led me to a phishing effort in another country that tried to get me to give them my credit card number in return for a " {$100.00} gift card to XXXX. '' I then called Citibank Customer Service, which took a great deal of searching and re-calling in order to actually talk to a human. After literally 90 minutes with a call center obviously staffed in XXXX XXXX, I was told they had no idea what this check pertained to and could n't help me, but maybe I could take it into a branch. 

Granted, this is a tiny check and barely worth my time -- but what interests me is that Citibank, having scammed some XXXX customers in XX/XX/2015, is now claiming that they have no idea that that issue existed, that refunds were issued, or that they have any responsibility for the refund. 

It seems to me that Citibank is compounding the original fraud. And while my unrecoverable tiny refund check is not all that important to me personally and would barely cover the cost of a cup of fancy coffee, Citibank 's disingenuous behavior regarding this issue does matter, potentially multiplied by a few XXXX consumers.

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 2021-12-24
Company: Incomm Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I received a vanilla gift card from an employer for {$200.00} XXXX gift on XXXX XX/XX/2021. I went to the website to activate the card and it said there was {$200.00} balance! The next day I tried to use the card at XXXX XXXX and it was declined. I went back to the website and the card was invalid! I then called customer service and she said XXXX was charged by an online merchant! Looking at the XXXX  there are hundreds of complaints of fraud from this company. There is no way without insider connection that anyone would know how much money and when the card is activated! I received an email to fill out a form to disagree with purchase but I am hesitant to give any of my personal information to a company without any security!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My complaint is for PHH mortgage Florida. 

I have had a reverse mortgage with the company for 10 years. I started a refinance this year with a separate company and needed to obtain a payoff letter. 

On XX/XX/XXXX : my lender submitted a request to obtain a payoff letter. I signed the necessary documents and my lender submitted the payoff request. PHH mortgage was unresponsive. I called in behalf of my lender on XXXX and requested a payoff letter. The customer service representative told me I needed to email the request to a specific payoff email. 

I submitted the request o nXXXX and received a confirmation email stating that my request was received. The email stated 3-5 days was the expected time for a payoff letter. 

In XX/XX/XXXX I asked for the status of the payoff and was told that my mortgage was transferred to PHH Florida. I called the PHH Florida service number and was told that due to the amount loans being transferred there were traffic jams with the payoff requests. I told them I had a closing scheduled on XX/XX/XXXX they said they could not guarantee the payoff by that time. 

On XX/XX/XXXX I called and was told that they had 10 business days according to Illinois law. I had to delay my closing. 

In XX/XX/XXXX I called and asked the status of the payoff request and was told again that PHH had 10 days to give me the payoff according to Illinois law. 

The date is now XX/XX/XXXX and it has been 10 business days. I still have not received my payoff letter and I was forced to relock my loan rate. I am XXXX XXXX XXXX and I feel this company is taking advantage of elderly people by holding payoff letters to not allow refinancing. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am having an issue with Bank of america. They have disconnected my online banking and i have not been able to access my account online or make payments to my credit card due to this. I have tried contacting them on fixing this situation and they are not helping me resolve this matter.

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