BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: Early Warning Services, LLC
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:
I have requested that my report be updated and delete what can be deleted. 4th request.

They are terrible company. Early warning they fix nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I was trying to add a personal statement to my report when I was hung up on 3 times and lied to about the description of my statement. The accounts are unverifiable and I have requested disclosure from XXXX and Experian and the process of the reinvestigation procedure and they are still reporting the account has been verified even tho I contacted the creditors and they cant verify them. This was on XX/XX/2021. I have been sending letters since 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 2017-03-22
Company: Valley Credit Service, Inc. (OR)
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received multiple calls from debt collector ( Valley Credit Service ) on a debt I had already paid ( to XXXX ). I told the collector the 1st time that I had already paid my bill in full. They did not investigate until over a month later after threatening me with legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-20
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Servicer ; seterus paid XXXX flood ins premiums causing a {$3000.00} negative escrow and by paying XXXX flood agencies they voided XXXX another. Then they refused to acknowledge the paid XXXX when XXXX was alread in place. They later added forced place coverage costing me another {$350.00}. And due to paying recent XXXX premium late they cost me an additional {$330.00}. On top of {$4800.00} to XXXX - that was canceled and flood was in place at time they paid XXXX. I am XXXX and no reasonable assistance has been given and it has taken a stressful tole

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2017-01-30
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/2016, I contacted CitiMortgage once I notice that we were behind on the mortgage. At that time, we were four months in the rears. I contacted the modification department hoping that I could set up a payment arrangement through loss mitigation department. Our specialist was XXXX XXXX who worked with us all the way until recently XX/XX/2016. I have sent all the required documents at least three times even after she said all the information was in. On several occasions she told my husband and myself that other people were more urgent because they were actually in foreclosure. In the mean while they expressed that our case would be closed if we did not sent in more documents, which often were the same. We hurried to send in all request even if they were duplicate by email within the two-day window given. We wrote countless letters explaining the same information. In addition, were required to give information such as my teachers ' contact which had nothing to do with determining my salary thyat was verfied by others in the loss mitigation department. Each time our specialist informed us that the loan officer was requesting all these documents. At this time we 're now more than 5 months out without a resolution of a plan. In the meantime, XX/XX/2016, we received foreclosure letters. We sent the court a letter stating that we would like to have a mediation to come up with a plan to keep our home. All while Citi gave us a new case specialist who yet once again asked for updated information in which we are still complying to date. Also, we consistently received conflicting information from the loss mitigation phone line, supervisors, and specialists. 
This has really caused a hardship and we feel we are in limbo. We have made every possible effort to have resolution yet nothing has happened.

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 2015-10-20
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I have an account with rush card prepaid, my payroll check goes direct deposit to my rush card, I was suppose to get my money today XXXX/XXXX/15, and come to find out that rush card company has been holding their customers money, due to a glitch in their system that has been ongoing now for 12 days and we are in hardship right now due to this issue. I have been calling their customer service number and they hang up, I am so frustrated, they do n't answer to give us any information on when I am able to get my money, please help me, I am so desperate I have XXXX children, and I have no food and my light is about to be turned off because I cant pay because rush card is holding my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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:
SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-26
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:
SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting collection letters from Resurgent Capital in regards to a credit card that to my knowledge I never had. In addition at the bottom of the page they have this " by law we have to " etc etc. Basically states that if I write a letter disputing they will provide proof. If I do n't the debt will be assumed real. The problem is they leave no mailing address on the bill. When I call they want my social sec # as they say that is protocol and will not give me address. I have went thru this with several reps. I finally got XXXX and she gave me the address which was different then the one that was randomly placed at the top of the letter without a business name, so you were not sure if that was correct. Obviously that address would have never gotten to them ... .HMMMM? The reps name I spoke with was XXXX, she said her last name when she answered but when I asked her to repeat it she would n't. She gave me this mailing address ; Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
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:
On XX/XX/XXXX I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to XXXX ( XXXX ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/XXXX per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/XXXX I have not received any response from XXXX, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e XXXX and credit bureau ( s ).

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 2021-02-26
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
XXXX XXXX will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am working towards PSLF. Several of my federal loans ( loans XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not received credit for eligible payments I made during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these four months my loans were in active repayment ; my loans were NOT in forbearance/deferment ; my then monthly payment was {XXXX} based on my income ; my employment has been certified for those four months. 

Those four months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are counted as eligible payments for my following federal loans : XXXX XXXX XXXX XXXX. It is accurate and correct that these four months should be listed as a PSLF eligible payment for all of my loans. It is incorrect for only loans XXXX XXXX XXXX, and XXXX to receive eligible payment credit for these four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CO
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:
AFTER DISPUTE YOU ADDED SAME PAST DUE ACCOUNT ON MY CR TWICE SAME ACCOUNT i HAVE 4 2 WERE DISPUTED YOU ADDED THE SAME 2 SO NOW I HAVE 4 SAME 2 TWICE DONT KNOW HOW TO EXPLAIN TO YOU SO WHY DONT YOU CHECK IT INSTEAD OD ASSUMING SOMEONE DID THIER JOB , CLEARLY THEY DID NOT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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 have submitted documentation to Experian proving that my auto loan account was never late and Experian refuses to update. It is costing me a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get phh mortgage to pay my taxes for XXXX and XXXX ever since XX/XX/XXXX. I've sent the amount on what needed to be paid and they still didn't send my payment in time and the taxpayer had to send the check back because the payment amount changed. Phh mortgage insured me my taxes will and were paid and as of XX/XX/XXXX, my taxes are still not paid. I've sent emails and was told it would be reviewed in 10 days when it supposed to been handled in XX/XX/XXXX. My taxes are deducted from my mortgage payment I pay every month.

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 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am a XXXX XXXXr who works at XXXX XXXX in XXXX, OR. Our county received CARES funds to support vulnerable clients in XX/XX/XXXX. These funds were put onto Bank of America Rewards Card and given to certain clients in the amount of {$500.00}. This client is a single mother who speaks XXXX. She has not been able to use the majority of the funds on the card, because the card consistently denies purchases. She has called the Bank of America customer service line several times to try to sort out issues. On XX/XX/XXXX this writer attempted to call Bank of America with the client and the bank refused to provide any information to the card holder with someone else on the line. The four customer services representatives who we spoke with used predatory practices throughout the entire call. They kept transferring our call " to a different department '' or would transfer the call without informing us of the transfer. During one call, the XXXX speaking customer service representative told the card holder to " shut up '' or he would hang up the call. He later transferred the card holder to a supervisor who does not speak XXXX. The balance on the card is now lower than it should be. The card holder has experienced verbal abuse and discrimination by Bank of America 's call center. She needs support in order to utilize the few XXXX dollars so that she can buy food and other essential items for herself and her child who has XXXX. As a professional, I was shocked by the blatant cruelty that came from the customer service representatives and extremely disappointed that an entity as rich as Bank of America uses such predacious tactics to cheat a vulnerable person out of such a small amount of money. This system is unacceptable.

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 2020-03-26
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2018-06-28
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When discussing the original loan estimate with XXXX XXXX XXXX # XXXX. She noted that in order to obtain my business, Quicken Loans would be offering {$3500.00} in lender credits, as well as Quicken covering the lender 's title insurance for my loan ( see email attached noting what Quicken would cover ). Multiple times during the call, I noted that it was {$3500.00} in lender credits AND Quicken covering the title full well knowing that a portion of title would be paid by the seller ( {$1000.00} as stated in our purchase agreement ). I signed the estimate disclosure which broke out the {$3500.00} in lender credits as well as {$910.00} in " Lender Title Insurance Adjust '' ( see attachment sent directly from Quicken ). I was under the impression that Quicken would be covering the roughly {$4400.00} in total closing costs per our discussion and the items signed. When I received my first closing disclosure, it was riddled with errors with Quicken trying to pass off seller paid closing costs as lender credits ( see attached ). It took numerous phone calls over a 3 day period to finally get any resolution. At that time my loan was ready to go and I received my final closing disclosure. As my current closing disclosure stands, when looking at total lender credits it totals {$3500.00} which incorrectly includes some title credits I thought were going to be in addition to the {$3500.00} I was receiving. Quicken is reporting the total seller paid title costs ( {$1000.00} ) as buyer paid ( {$910.00} included in section C. and {$160.00} included in section H. ) and then adjusting them out of the final cost to close ( which I should correctly not be paying ). The problem lies in that I was told per my estimate I would be getting {$3500.00} AND Quicken would cover lender title costs, currently in my closing disclosure it shows {$520.00} and {$570.00} in title lender credits, which is being incorrectly added into my lender credit total as those should be separate to lender credits. I spoke with XXXX 's boss, XXXX XXXX XXXX # XXXX, he stated that the {$910.00} in " Lender Title Insurance Adjust '' was always just Quicken backing out the seller paid portion of title which was not directly addressed to me when I signed for the original estiamte. The email, as well as the signed estimate disclosure mislead me to believe that I was in for a larger amount of closing cost covered that was actually given. I am due to close on in 1 business days and therefore do not have the time to discuss further and can not pull the loan now as it will jeopardize the purchase of the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a notice on XX/XX/2020 that my credit limit was being decreased from {$2000.00} to {$650.00} because my credit score with XXXX was reported as XXXX. That information is entirely incorrect, my score has never ever been that low. They also stated this may be due to my account with best buy but the account has been below 30 %. I was not given a 45 day notice, the limit was decreased on that day which caused me to lose 21 points from my credit score because my proportion of loan balances to credit was now reduced by {$1300.00}. I attempted to reach out to best buy because the issue is on their side and I received no help and was told to reach out to XXXX  for a dispute. However, on XXXX  's website all of my information is correct so there is nothing to dispute.

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