BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hello, My name is XXXX XXXX. I am writing in regards to a complaint about American Express Bluebird Card # XXXX. 
XXXX XXXX, 2015, I submitted a Bill Payment of : {$67.00} to XXXX XXXX. 
To date, this payment has yet to be posted to my Credit Card account as a payment, and I can not receive any assistance from your overseas Customer Service agents. 
They tell me this the payment was completed, and paid out, but can not prove such with a date stamp, copy of a check or signature of who signed and where they cashed the check. 
Your service is the utmost inaccurate and dubious thing I have ever come across. 
I would like to know where my money is and why it has not been posted to my CreditCard account. 
My Credit Card customer care team requires proof that they cashed the check and your XXXX agents are not very resourceful and helpful in getting this resolved. 

I am very angrily awaiting a response from your disputes team and hopefully from American Express Corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: R & B Corporation of Virginia
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted this company several times. I was advised that they will not remove this account even though I told them that this bill was paid. I also sent emails that XXXX also said this bill was paid i sent receipts they refused to remove this from my credit report. I received a email yesterday stating that they will not remove this inaccurate information from my report. This bill needs to be remove immediately. 
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A negative collection impact for Credit Control Corp, was placed within my credit le in XX/XX/2020. The Act species that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Credit Control Corp : to follow the law : Contact XXXX  at once, or remove this collection account as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: RMS-Recovery Management Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My name is XXXX XXXX XXXX, I am currently attempting to ensure that my credit report has accurate information. I have contacted Recovery Management Services and asked for documentation of this debt. I was told by Representative, XXXX XXXX that if I wanted documentation I would have to dispute it with the credit bureau and that they would respond to them. He stated that it should not be on my credit report, but refused to give me documentation. I attempted to explain to XXXX XXXX that as a consumer I have a right to ask for documentation. He became irritated stating that I was listening and hung up on me. When dealing with the Credit bureau it is always best to have documentation to ensure that the correct information is shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested on XXXX occasions a " life of loan payment history " from Ocwen loan servicing on XXXX loans they service. They took over servicing from bankrupt GMAC/XXXX bank in XXXX. These XXXX loans are adjustable rate mortgages and I question the principle balances reflected on my statements. These loans originated in XXXX and XXXX. To date they are unable or unwilling to supply me with the " life of loan payment history '' every borrower is entitled to upon request. Please help resolve this problem with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX after an on the job XXXX where I worked for the same company for 20 years. XXXX I have been jumping through hoops with Washington XXXX XXXX XXXX XXXX for 3 years now and so forced to live on 60 % of my former income while they decide my fate. My condo is being foreclosed on XXXX XXXX. I tried to do a short sale and was told I would qualify for the Making Home Affordable Program which would give me $ XXXX to relocate. I brought a buyer with a cash offer to the mortgage co, Ocwen, who had my first and 2nd mortgage. They accepted the buyers offer but they sold the 2nd mortgage to a private investor who will now not accept the offer made to them but wanted $ XXXX more. The buyer came up with $ XXXX more for the XXXX but then Ocwen said okay they got more now we want $ XXXX more which will put the price of the condo at more than the fair market value. Now they have told me because the XXXX mortgage holder is private, I do not qualify for the XXXX XXXX anymore and they will not accept the cash offer they originally said they would accept so they are forcing me to foreclosure. They will force me to be homeless rather than accept a buyer. I did not sell the loan to the private investor Ocwen did. The money would have helped me to find another place and pay first last and deposit. Now they wo n't accept the sale for a reasonable price and I do n't know what to do. Can you assist in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have previously disputed the public record items on my consumer credit profile with the CRAs - XXXX, Equifax, and XXXX. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX XXXX Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: GA
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/2020 after trying to open a new bank account EQUIFAX had incorrect personal information on my name and date of birth. After a phone call to EQUIFAX on XX/XX/2020 I was told to upload my Social Security and Drivers License to correct and update my personal information on my credit report. On XX/XX/2020 at XXXX EST the Social Security and Drivers License was uploaded and sent with the confirmation number XXXX emailed to me with the Estimated Date of Completion XX/XX/2020. On XX/XX/2020 I received a email from EQUIFAX that I had no disputes filed with EQUIFAX. Will you please help me as they have my mothers birthday as mine as well as incorrect name on my report and I can not open any accounts with inaccuracies and sloppy record keeping by EQUIFAX. 
Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Credit Plus Inc
State: VT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a fraudulent hard inquiry on my XXXX credit report from a company called Credit Plus. I disputed this inquiry directly with the company and recieved documentation, see attached, stating that they have no knowledge of this inquiry either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare contacted me via a mailed, written Escrow Analysis on or about XX/XX/22. The document explained that my loan account had an escrow shortage of {$10000.00}. It further noted that I could submit that amount in full to correct the shortage and reverse the resulting increase in my monthly mortgage payment. 

I mailed LoanCare a check for the full amount of the escrow shortage of {$10000.00} on XX/XX/22. The funds were received by LoanCare on XX/XX/22. According to their records, {$7100.00} of the {$10000.00} was labelled as " curtailment '' and sent to the principal. However, the entire amount should have been applied to the escrow account instead. 

I contacted LoanCare initially through their online contact form on XX/XX/22 and asked that the {$7100.00} amount be re-applied to escrow. That request was unsuccessful as I was not recontacted by the company. 

I subsequently contacted LoanCare by telephone on XX/XX/22. I repeated my request and was told that the reversal or re-application of funds would be processed within 5 business days.

I re-contacted LoanCare by telephone again on XX/XX/22 as the re-application of funds had still not gone through. I was informed that the request on XX/XX/22 " was not clear '' and that the request would be submitted again with more detailed description.

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 2017-03-27
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i 'm XXXX have XXXX and state insurance.it 's not my fault if they do n't do the paperwork right and submitted to my insurance.sometimes my insurance wo n't approve different test i need so my doctor has to get me pre-approved to have any test done.XXXX my primary insurance they cover XXXX and the state pick up the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My personal items were taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to notify them as well. These accounts are fraud!

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, I requested my credit report and credit score from TransUnion by mail. I included a {$15.00} check with my request, knowing that the credit score itself had a fee. 
TransUnion cashed my check on XX/XX/XXXX, per my bank. 
On XX/XX/XXXX, and then again on XX/XX/XXXX, I mailed a follow-up inquiry to TransUnion for the status of my credit report and score. I received no response. 
An XX/XX/XXXX phone call to TransUnion led me to talk to XXXX, who " could not pull up my file '', so he asked me to call back. On my second phone call, XXXX said my request was " being processed '' and would take up to ten more days. 
Confused by the information being given, on XX/XX/XXXX I had a bank representative at XXXX XXXX, from which my {$15.00} check was drawn, call TransUnion to get some answers. Supervisor XXXX at TransUnion stated that he found no record of my request, that XXXX had told me only the day before was " being processed ''. After an hour on the phone without a clear answer, XXXX tried to pass me off to another Supervisor, but this seemed futile. The call was ended. 
On XX/XX/XXXX, my credit report from TransUnion finally arrived by mail, but it had no credit score included, stating that the score needed to be paid for. My {$15.00} check, cashed by TransUnion on XX/XX/XXXX, was that payment. TransUnion has not provided me with the credit score I specifically asked for and also paid to receive. I would like TransUnion to provide me the credit score I requested three months ago. 
Sincerly, XXXX 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 2016-06-24
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX XXXX, am currently in Chapter XXXX ( Case # XXXX ) and filing a complaint against Ocwen for Loan # XXXX. I am in the process of a Short Sale with Ocwen on my family 's home for over 50 years, then my property for 15 of those 50 years. I am simply asking my relationship Manager to suspend or postpone my Foreclosure Sale for a 30 to 60 day period allowing my Short Sale to come to fruition and from that Short Sale, I would not receive anything but moving expenses which I am OK with. This would complete my Short Sale and give me moving expenses in Lieu of becoming Homeless from the XXXX/XXXX/2016 Foreclosure Sale. My relationship Manager XXXX XXXX would simply inform XXXX XXXX, Ocwen 's foreclosure Attorney to remove XXXX XXXX XXXX from the XXXX/XXXX/2016 Foreclosure 's Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was current and XXXX XXXX XXXX XXXX until COVID 19 hit, XXXX XXXX  was closed and I had a great reduction in income I have been in the forbearance but it ended and I was approved for a deferment then I was service transferred. My understanding was I would be current but I was told yesterday I am behind due to the time lag it took for Fay servicing to get my loan updated and in the mean time Fay servicing would NOT accept payments I can afford to make normal mortgage payments but cant reinstate the loan or afford a higher payment, please put the payments in the loan so I can be current and keep my home I AM NOT receiving unemployment My other property that has the exact same situation located at XXXX XXXX XXXX XXXXXXXX GA serviced by Fay Servicing with loan number XXXX was approved for a repayment plan I have the exact same financials used for both but the normal payment for XXXX XXXX XXXX is {$390.00} and the normal payment for XXXX XXXX  is {$560.00}. Please re review my loan for the repayment plan as it should be qualified more than XXXX XXXX  was with a higher mortgage payment and same delinquency as both were current when COVID 19 started I and my wife are XXXX XXXX XXXX XXXX who served in combat in XXXX and we want to avoid foreclosure and keep the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REASON TO BELIEVE I'VE BEEN A VICTIM OF IDENTITY THEFT AGAIN AND THE CREDIT BUREAUS ARE NOT HELPING 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 2020-07-09
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: Information belongs to someone else

Complaint:
filed ftc on all the accounts listed : XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$9.00} XXXX   Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*154.00 % Creditor Contact Details XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$210.00} High Balance {$210.00} Remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My husband filed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, after a very long and difficult period working with XXXX, we modified our mortgage under the HAMP plan. Please note, that I was the primary borrower on our mortgage but had NOT filed bankruptcy. We also a XXXX mortgage with Ocwen, who refused to work with us on a modification on our XXXX mortgage. Ocwen advised that they could not speak with my husband regarding the bankrupsty, however, as I had stated to them on numerous phone calls, I was not part of the bankrupsty so they should be able to converse with me, but refused. When asked how we could settle approximately one year later, they said the load was written off, however, we never received a lien release, but went by their word. Ocwen purchased the first mortgage from XXXX and then shortly shortly after, sold the mortgage to XXXX. We have been making payments faithfully for over two years with Ocwen and XXXX, but now that we are only with XXXX and due to the modification agreement after five year, which will be in XX/XX/XXXX interest will adjust, so we went to one of our C.U to refinance our mortgage ( and we were approved ) and that is when trouble again begain as the title searched turned up the second mortgage lein. My husband tried to call the Ocwen immediately, but was told that a lein research release takes a minimum of 6 months and can only be done via fax. This is totally unexpectable and as faithful consumer, we have worked diligently to keep our credit rating in good standing, only to once again, be help back by the big banking industry. We have been dealing with this type of treatment for approximately 10 years, starting with XXXX and would really appreciate some relief when we work so hard to follow all the rules that the banking industry has established, however, only to be repeatedly abused by these big corporation. This is no doubt Unfair, deceptive and abuses acts and practices two fold. Thank you for any advice and or guidance you can provide..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: CITIBANK, N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I received a letter from Citibank telling me that if I opened a new Citibank Checking Gold account I would receive XXXX XXXX XXXX AAdvantage bonus miles. I needed to open the account with {$50000.00} and use promo code XXXX. I was also required to make {$1000.00} in debit card purchases, and setup a bill payment for two consecutive months. 
I have met these requirements : the debit card purchase was completed on XXXX XXXX, 2016 for {$1000.00}. I made bill payments on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 to XXXX. I had other bill payments as well, but this shows three consecutive bill pays ( exceeded the required two ). 
Upon opening my account, online, I chatted with a Citibank representative and asked why it did not ask me for my XXXX XXXX, the representative said it was not needed and that will be credited automatically when I met the requirements ( see enclosed ). 
On XXXX XXXX, 2016, I chatted with a representative at Citibank asking where my miles where because nothing had been credited to my account ( see enclosed ). The representative said they would do an investigation and it would take XXXX business days. After 4 days, on XXXX XXXX, 2016 I spoke to, XXXX, who said he did not know why I did not hear from them but he would escalate it and I would hear the next day. On XXXX XXXX, 2016 I called again, spoke to XXXX, and then I was told it would take some time longer because they were backed up. Called again XXXX XXXX, 2016, spoke to a gentleman and he said it would take 19 days to get an answer, and that no one told me it was XXXX days, even though as you can see I had this in writing. 
I called Citibank Executive offices and was transferred to XXXX at XXXX she said she had 14 days to research the problem and would get back to me. On XXXX XXXX, 2016, she called me and said that I would not be getting the miles because I was not eligible? I told her I had confirmed it on XXXX XXXX, 2016 and she said well that representative did not actually say you were getting the XXXX so you will not be getting any miles. However, as you can see from the attached transcript XXXX did say I would be credited automatically when I met the requirements. And my inquiry clearly stated it was about XXXX XXXX XXXX miles, yet XXXX says, no one ever said that. 
To date I have still not received my miles.

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