BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-09
Company: Navient Solutions, LLC.
State: TX
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:
Navient changed my loan terms without informing me or obtaining my conset. I was on a 10 year repayment plan with auto debit, and they converted it to a 30 year plan paying only interest. When I called they were not helpful, and did not clarify why this was done. I am not sure if this is going to be corrected as they told me it will take a couple of weeks and I will need to follow up closely on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have talked to the company about my debt. I explained that I had a major car accident with an enormous amount of medical bills. I was not able to work so I don't have an income. Also, at the moment I am not working neither is my husband 's company is open. 
I asked for a deferment or payment deduction and they did not want to hear it. So, in turn now they are calling my parents and husband, etc. 

The company is PayPal and Synchrony bank The phone that calls is unlisted : 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 2016-09-28
Company: HW Holding, Inc
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This was at a managed rental property where I was being harassed by a neighbor because of my XXXX. After several calls to the local police the property management told both of us that if one leaves they would not hold us to the remainder of the lease. Being the newer tenant I took that offer but did not ask for it in writing, trusting their verbal agreement. Several months after finding a better place they claimed through a collection agency that I owed them for the remaining months I did not live there and several weeks before even moving out posted an eviction notice at my door from the local Sheriff 's office despite never having a notice to appear at court. I discarded it because I was planning on moving out any way. I contacted the collections, dba " Hunter Warfield Inc. '' that referred me to management dba " XXXX XXXX XXXX " that just referred back to collections. I even noticed reviews on apartmentratings.com that this was a common practice by this property management.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Today is XXXX and I am writting regarding a loan with Ocwen Loan Servicing which I paid this loan off on XXXX. My records indicate that I overpaid the loan by {$6200.00} and in calls with the servicer they verify that it was paid in full and overpaid by the amount I have indicated. I have been waiting for a final statment and reimbursement of the amounts overpaid totaling {$6200.00} since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hello my name is XXXX XXXX I am a XXXX year old male with very limited funds. i thought about pursuing a career in XXXX at XXXX College online school. i only enrolled but i never started the courses or used any materials and their system will show that i have never used their services. the class once finished was supposed to be priced at a cost of {$870.00} for full tuition yet Instead of cancelling my account after noticing i havent started the class or used any materials they send the full tuition debt to collections for {$870.00} which i feel is unfair and unethical practice and I paid an initial cost to enroll but never used anything so why would they pursue payment for a service that wasnt used at all .their system shows proof that i never used it. i am now being contacted multiple times daily by a company called Ability Recovery Services LLC. I could understand if i even started and read the first page of the course but the fact that i only enrolled but never used anything yet they expect full tuition is outrageous. I think any company that is selling a service such as pace by pace course online should never charge a consumer for materials or courses never used at all. i only enrolled.

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 2017-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft, and Dept of treasury has fraudulent accounts on my credit profile that need to be removed immediately.

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 2022-05-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion is reporting data and a credit score to XXXX  XXXX XXXX. The score is horrific and contains two major negative items which are not related in any way to me and has been confirmed by XXXX  XXXX XXXX as not relating to my credit relationship with them. 

I have tried contacting TransUnion on multiple occassions to access my account but they claim they have no record of me which is wholly and totally untrue. They are reporting data to XXXX  XXXX XXXX about me, whether it is correct or not and hugely impacting my life with this incorrect information. And when I try contacting them about it, they continuously tell me they have no information about me. I have called five times and i have been passed from one department to another with no remedy. I can not accept this anymore and TransUnion must be held accountable. My life is being ruined by them and I can't even access what they are publishing about me to my bank. This is a living nightmare and there is no way to hold them accountable. They have recommended I simply 'wait ' a couple of months. It's totally unacceptable. Every day continues to negatively impact me with TransUnion taking no steps to fix their errors. 

Please help 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 2016-04-06
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Payoff process

Complaint:
I made a payment to pay off my us bank credit card in the amount of {$12000.00} and us banks system decided to take that payment out twice. So they overcharged me {$12000.00}. I called them right away once I noticed my checking account was in the red. I was told it would be taken care of right away, the next day the money had not been put back into my account, had to call us bank back and was then told I would have to wait XXXX5 days for the {$12000.00} to be given back to me ... ..I told them this was not an option and was not right for them to hold money they should not have removed from my account to start with, I never athorized {$24000.00} only the {$12000.00}. I have been on the phone for over 2 hours now trying to find ways that they can give me my money back. They just keep saying thy can not do anything. i am very very upset that they first off took that much money from me and second telling me they wo n't give it back to me right away. Thy will not release my funds for at least XXXX5 days and are not willing to do anything to fix the mistake their system made.

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 2022-10-07
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX continually put things back on my credit that I have been disputing and they are over 7 yrs. I went through a nasty divorce and so much is not my responsibility but I have had to ride out the 7 yrs. I will never use XXXX XXXX again. There is obviously a theme. 

I cant afford credit reporting so I can see all bureaus but these are on both Equifax and XXXX. Im guessing these have been reported to XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A check written on a SunTrust Bank Checking account was deposited at XXXX XXXX  after the payee was altered with white-out and changed by the depositor. The check was accepted by XXXX and drawn on the SunTrust account. The fraud was reported by SunTrust to one of the named/authorized parties on the SunTrust account. A fraud case was opened by SunTrust but nothing has happened in over two months and SunTrust has refused to refund the account or provide any details of the progress to the authorized party.

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 2017-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a copy of my credit report and there were two account reporting on Equifax that I disputed several times. There are 2 collection accounts and neither are reporting a company name. They say unknown. How is that validating anything? One has an account number of XXXX the other XXXX. There is nothing that I have or ever received with the amounts they are reporting too. Please help me Equifax is n't taking me seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I received pretender lender loan servicer " Ocwen Loan Servicing '' mortgage statement, XX/XX/XXXX. between XXXX and XXXX Ocwen Loan Servicing used Homeward Residential and American Home Mortgage robo-employees as a court XXXX tool to phony up a XXXX lawsuit against me by using forged fabricated documents and robo-witnesses. Ocwen Loan Servicing made several attempts through the years to rip off my home I own free and clear. I do not owe Ocwen Loan Servicing a single penny, never have and never will. Ocwen Loan Servicing used fraudulent foreclosures, using its cozy relationship with altisource to phony up fraudulent trustee sales, using sale threats as a weapon, that if I did n't sign the loan modification settlement they would proceed with fraudulent trustee sale and I would lose my home I own free and clear. I have serious health troubles, I signed the fraudulent {$750000.00} loan modification under stress and fear to stop the altisource fraudulent trustee sale that was taking place in just days. Ocwen Loan Servicing and its lawyers have been harassing me for years, which has caused me serious life threatening permanent health troubles which will be proven in court. With the support of my doctors and new lawyer I will be given my rights back and be given a fair jury trial. I will be retaining attorney " XXXX '' XX/XX/XXXX, she will be serving Ocwen Loan Servicing with summons. Ocwen Loan Servicing stop harassing me, stop using your cozy relationship with altisouce to further threaten me and push me around. I do not owe Ocwen Loan Servicing a single penny. I will not pay pretender lender loan servicer " Ocwen Loan Servicing '' {$750000.00}, over {$200000.00} more the {$550000.00} Option One Mortgage Loan that was paid off over 10 years ago. 

I pray in the name of XXXX that you please give those Ocwen XXXX employees terminal XXXX so they will stop harassing me and leave me alone, and so they will feel the pain of what its like to be tortured for years. Amen!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: MI
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 have unauthorized inquiries on my credit report that I didnt approve or authorize and I would like them removed immediately. The inquiries are from the from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RS Clark and Associates are erroneously attempting to collect an inaccurate charge for services rendered by XXXX XXXX. RS Clark and Associates are attempting to collect a debt on {$110.00}. The amount they are attempting to collect fails to include the credit balance that is evidence on the statement showing {$19.00} that RS Clark and Associates forwarded to me in attempt to validate the debt. RS Clark and Associates also have failed to include the amounts that I have been sending to XXXX XXXX all along as payment on the debt. They are reporting every month to the 3 credit bureaus that I continuously owe XXXX when I do not. I have attempted to dispute this account to no avail. 

RS Clark has erroneously reported that I became delinquent and has re-aged my default date by one ( 1 ) year in half and has failed to update all of the payments sent to XXXX XXXX. Re-aging of default date ( s ) is a common tactic debt collectors use in order to make it appear as if they can continue to collect on a debt legally

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Total Card, Inc.
State: IL
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:
I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX pm. XXXX XXXX  failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX XXXX ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is illegal to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a XXXX, told me she doesnt know their schedule and failed at informing me how I can speak to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: AMERICAN HONDA FINANCE CORP
State: KY
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:
I initially contacted honda regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via American Honda was correct. I can clearly see that payment information is reporting inaccurately across all XXXX bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS is the servicer of my loan I didn't have to pay my mortgage for three months due to covid-19 when I started back paying my mortgage I notice on my statements my escrow account and the principal account was in the negative and my principal balance was going backwards meaning every time I paid my mortgage my principal balance is going higher and everything else is going higher in the wrong direction in the negative. 
All I ask them for was a modification to lower my interest rate from 11.29 % especially now when the national interest rate is 2.29 % at this time. 

Also, why don, t I have a ( VOM ) verification of mortgage available to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
I created a debt management plan through XXXX. I signed up with this program early XXXX and proposals were sent to each creditor. Each creditor accepted the proposal and agreed to accept payments through XXXX. Nordstrom marked my payments as being late after agreeing to the proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.

Company response to consumer: Closed with explanation