BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: Advance America, Cash Advance Centers, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have loan thru the this company, i recently had a problem where someone hacked into my checking account, i reported to all my creidtors, all of them worked with me except these advance america. when i let them know, i was told not problem, i made a part of a payment, since the bank would only let me have a portion of my funds, I was told that would be fine. even before my next payment was due, i received a email stating that i was in default and that i would have to make these ridicules payment over the next 6 months! These people are nothing but liars and cheats!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CAINE & WEINER COMPANY, 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: Old information reappears or never goes away

Complaint:
I co ntacted Caine and Weiner o  n   XXXX   XXXX  2017  re garding a collection account debt on my credit report which is not mine. I sent a letter certified/read receipt which they accepted and signed for. For    XXXX  2017 ,   the collection account debt was removed from my credit report.. However, it reappeared on my  XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Medical Data Systems, 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: Account information incorrect

Complaint:
O n  X/XX/2017  I checked my credit report and see that the collection agency is duplicate reporting for the same account.

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 2019-12-05
Company: Experian Information Solutions 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:
Experian refuses to delete a negative XXXX XXXX XXXX account that is too old to report. Experian has date of first delinquency incorrect and will not correct.

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 2017-06-07
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
So, I refinanced with Pacific Union Financial back in XXXX XXXX 2017.  Never have been late. Have done everything they have asked me to do. Have provided everything they have asked for. On XXXX17, I get a call, " sir, due an error by us, Pacific Union financial, we are going to take your present escrow ( up to date ) cash and pay the old escrow account. And you, sir, will be responsible to make up the difference for our mistake. '' Or words to that effect. I sent an email to the person who did my VA refinancing ( XXXX XXXX NMLS # XXXX Mortgage Consultant / Sr. Loan Officer Direct Line : XXXX Cell / Text : XXXX Toll Free : XXXX ) asking for clarification. Later in, In the shortest and simplest of way, I was told that although they made and acknowledged their error and mistake 5 months ago, they will raid the money from my new escrow account to cover for their mistake. Almost 6 months later. As I thought about it, I realized i had been told " We made a mistake months ago but it 's up to you to make up the difference of your new escrow account once we drain it so we can cover for our incompetency. I am a former XXXX. I also care for a XXXX XXXX XXXX  XXXX veteran. I work 2 jobs. I never asked for anything nor do I want anything, other than honesty and accountability. This error was n't discovered 2, 3, 4 not even 6 weeks after. It was almost 6 months later. And now all I get is a hollow excuse of " we totally messed up but you are going to get XXXX for OUR incompetence and lack of attention. '' i got a lot of " if this '', " if that '', justifying why I was going to get penalized in order to cover their mistake. 1-2 months after closing, I get it. But, after almost 6 months..?? How is that fair? I did nothing wrong and I have always complied with everything they asked and wanted from me.. A billion dollar company, yet, I have to cover for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On   XXXX    XXXX   XXXX  my Bankruptcy was  discharged, And  when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.   It states these, Derogatory public record or collection filed . ( N ot listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  Trans Union is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review   XXXX   XXXX   XXXX   too thanks agai n

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 2017-06-07
Company: I.Q. DATA INTERNATIONAL, 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: Personal information incorrect

Complaint:
Rented an apartment. Father was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: WI
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been a member of Navy Federal Credit Union for well over 27 years. But in the last three years I have noticed a clear and distinct drop in service, care and overall concern for their members both new and old. Recently when I had a erroneous charge on my XXXX account, when I called to challenge the erroneous charge, I was given the run around and told to speak to a supervisor. When transferred to the supervisor I only got his voice mail. Despite repeated calls and voice mails to this supervisor, to date, I have never received a call or follow-up. And when I called their main office, I was actually told by the rep, " Oh well ... do n't know what to tell ya! '' When I asked to speak to her supervisor, I was disconnected. I have written, called and sent various emails and again no response or anything. So even with well over {$30000.00} dollars in funds of checking and savings and a member of over 27 years, there has been nothing in the way of service or assistance. I will now move my funds out and go elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: Army and Air Force Exchange Service
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, I am having an ongoing problem with Military Star over an account that I disputed with them, requesting information and sufficient tangible documentation in order to verify and validate the debt owed. The matter was resolved when it was removed from my credit reports due to the company not providing adequate information in a timely manner. 

The account then popped back into the credit bureaus without any notification to myself as to its reinsertion or documentation related to the original dispute. Again, I dispute the item and the company does not provide an in depth investigation and simply marks the account " meets FCRA requirements '' which it surely does not because it fails to document me. It has failed to do so on numerous occasions. 

I am asking this agency to assist me in this matter and provide oversight which in my considered opinion it needs. The account is reported as closed and also as open. I don't understand what this company is doing. I have tried numerous times to dispute the debt, which I stand behind being grossly inaccurate and not mine and have this company continually changing information even after it has been removed. Violating the FCRA by putting information into my consumer credit file that is not verified via documents and generally giving me the run around every time I ask for clarification. 

Please assist me in 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
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
report of a paid civil judgment on my report that has wrong information filed XXXX XXXX 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my mortage is serviced by select portfolio servicing aka investor   XXXX   XXXX   XXXX   XXXX   I have not received acall in 4 months fore a loss mitigation option first house was foreclosed then bank resinded the sale of house I received aphone call thatit was resinded and a letter from bank but the house was never put back to my name like sps promised 5 months later house goes up for foreclosure on  XXXX  now imhere crying fowl feel like sps committed a violation and wants toforeclose on my home withnot giving me the opportunity to keep my home pleaseinvestigate and help with my issue losing home with nohelp offerd thanks  XXXX   XXXX   is my nam e thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Took out both private and federal loans. When tried to contact all loan companies ( XXXX XXXX, in particular ) was told I 'd have to pay hundreds of dollars to even start to defer my loan, which I can not financially afford. So rather than working with me on any amount I pay they will not LET me pay anything until I pay a few hundred dollar fee. I ca n't catch up, and they all refuse to work with me. The loan owners keeps changing and have never been able to produce my original promissory notices, which I believe is illegal ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Once again I have to submit a complaint via this channel because you REFUSE to assist me on the phone or the website! My payment was due on XXXX. I always pay online but this month you have a new website and it says a " You can not make a payment at this time call a phone number. I called that number and get someone in a foreign country. I tell them I want someone in the US and I get an argument. I call back again and eventually get XXXX. She says she'll take the payment but it will cost {$17.00} to do it over the phone. Then it's {$7.00} because the website doesn't work. When I do it on the website it's FREE! She finally agrees to do it for free but then wants to apply it to the wrong loan. I have a home loan and a HELCO. She wants to apply it to the home loan which has already been paid for the month! I then call XXXX, who I had spoken with previously because of another issue. He's never available. I leave 2 messages. 2 days later and I don't hear back. I look at the complaint I filed earlier for the same time of issue and find the name of XXXX and a different phone number. I call that number. Message says that XXXX isn't available and sends be back to the Customer Service queue and it goes to someone in a foreign country AGAIN! I end up hanging up because he starts arguing with me! ALL I WANT TO DO IS MAKE A PAYMENT!!!! This is the second time I haven't been able to make payments. Every day that goes by the interest on a HELOC is continuing to add up. I really think this is a way for PHH to make additional money. If they can make it impossible for people to pay then they can continue to charge interest on the outstanding balance! With all of the loans they have this would add up to a lot of money real fast!!!!! I have had this loan with them for less than a year now, it was transferred from Ocwen. In less than a year I have had issues with payments for 4 months now. I have had issues with them and my home owners insurance. PHH claimed that the insurance policy didn't have the correct loan number on it, however, when I used PHH 's automated system it immediately pulled up all of the insurance information. At some point someone needs to step in and get these people in line or shut them down!!!! Unfortunately, the ONLY option the consumer has is to refinance and then there are all of the closing costs which must be paid so it makes it much more expensive! I can't believe that it should be this difficult to just make a payment on a loan!!!!!!!!!!!!!!!!!!!!!!!!!! Absolutely absurd!!!!!!!!!!!!!!!!!!!!!!!!!! I just tried to take a screen shot of the message but now you can't even get in to the site!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: MI
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:
Back in my early  XXXX    XXXX   which I am now almost  XXXX , I moved to   XXXX   for a business opportunity. After three months I got promoted and had to move to   XXXX  . In conclusion it has been over 5 years and there is a credit reporting agency even though I paid it off, it still shows a dregotory item on my credit report just as bad as a bankruptcy. There are a few credit cards and all things that were not my fault from a roommate that signed a lease without me knowing and 2 years later I received a bill and paid for it. My credit report has been ruined for 5 years. I even have a mortgage in my name a car lease in my name. But the problem is I always have to have a co-signed and I always pay outrageous fees because my credit is always poor from 5 years ago. I paid all these debts off. Most of them I did n't know went into collections until I moved back to  XXXX . I need help.

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 2017-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A version of this Complaint was filed on  XX/XX/XXXX  (  XXXX  ). After speaking with a CFPB representative I am refilling the complaint as instructed. The company against whom the complaint is filed  - Bayview Loan Servicing, pr eviously misrepresented to the CFPB that the matter was in litigation. While there is a foreclosure matter pending in litigation, the company against whom this complaint is filed is NOT a party to that litigation and thus it is required to respond to the CFPB complaint. The company has recently confirmed it is not a party to that litigation stating in part : Bayview is not a party to the foreclosure action. See Exhib it 1 hereto, p.3 at paragraph 2.   <P/> Bayview will likely make the false claim that its " counsel '' will review and respond, however the attorney that will likely respond is NOT representing  Bayview or  XXXX  ( th e previous loan servicer ) and is admittedly not  Bayview  's counsel.  <P/> The responding attorney has no actual knowledge of the actions regarding the previous loan servicer which ceased business operations in  XXXX . The attorney is simply paid to say whatever it needs to in order to conceal the fraud outlined in my complaint.. It has proven that in the Exhibit attached hereto as Exhibit  1 w herein matters therein directly contradict other claims the attorney has made.  <P/> Complaint and documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: AZ
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 a charged off account with   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX   has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from   XXXX   XXXX   XXXX   attempting to collect on the debt as well as a letter from   XXXX   XXXX   XXXX   regarding my   XXXX   XXXX   XXXX   account dated  XXXX   XXXX .   When I contact   XXXX   XXXX   XXXX   they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a charged off account with  XXXX   XXXX  Bank.  XXXX   XXXX  Bank has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from  XXXX    XXXX   XXXX   attempting to collect on the debt as well as a letter from  XXXX    XXXX   XXXX   regarding my  XXXX   XXXX  bank account dated  XXXX   XXXX .   When I contact  XXXX   XXXX  Bank they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.

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 2017-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a dispute over a laptop and Capital One did nothing to get it resolved once the company came back with an answer, which was all lies. When I went to get my rebuttal back to them, they wanted outrageous proof. They wanted another retailer to state what their policy was. All of the people that I contacted refused to assist me and told me that it is between me and the merchant I am arguing with. Capital One refused to process it and they did nothing for me, offered no alternatives. <P/>The merchant was XXXX XXXX XXXX and the amount was a total of XXXX. The people I spoke with from Capital One could barely speak English and were not helpful. One would tell you one thing, then the next one would be like no that 's wrong do this. The requirements are impossible to meet to win the chargeback and Capital One knows this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a Bank of America checking account ending XXXX, which is closed on XX/XX/2022, however on the same day when I close my account I have a {$430.00} deposit into that account. Now this deposit is still in my closing checking account. Please check the attached closing statement from BOA. I called BOA on XXXX and have been told I should receive the refund by check within 10 business days, but until now I don't see the refund by mail.

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 monetary relief