BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act : XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-11-18
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collections agency continues to place harassing calls to myself & wife, and send additional threatening correspondence in order to collect on medical bills already paid to the provider of health care services. 

Attached : Bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX 2015Attached : Check payment, XXXX XXXX 2015 and cashed cash ( reverse ) with bank details of presentment XXXX XXXX 2015Attached : correspondence from J & L Teamworks dated XXXX XXXX 2015Phone calls continue to this day..

Company response to consumer: Closed
Consumer complaint received 2015-11-11
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
oCWEN LOAN SERVICER IS REPORTING ON MY CREDIT REPORTS TWICE. aS THOUGH I HAVE XXXX ACCOUNTS WITH THEM. XXXX XXXX IS DEFUNCT NOW AND LOAN HAS BEEN SOLD TO XXXX WITH OCWEN BEING THE SERVICER. I CONTACTED CREDIT BUREUA AND OCWEN FOR RELIEF HOWEVER NOTHING HAS BEEN DONE. THIS IS AFFECTING MY CREDIT AND DEBT TO INCOME RATIO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.

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: DISCOVER BANK
State: GA
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:
Discover has a habit of false advertising. They have refused to resolve a fraudulent monthy recurring charge from someone called " XXXX XXXX ''. They are fraudulently charging me XXXX each month. I have contacted both XXXX and Discover to dispute this and get no help. I have cancelled my card to stop the recurring charge and Discover simply moves it to the new account number. This matter goes back several years now. They owe me at least XXXX years of charges at XXXX per month. I have stopped using my Discover card as a result and am giving my business to my other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. Bank of America closed a residential mortgage loan based upon the forgery of my signature on the Security Deed associated with the subject residential mortgage loan. datedXXXX XXXX, 2007. 
2. Bank of America closed a residential loan as mentioned in paragraph XXXX, based upon fixing of my name where signature of my name printed below the space that was prepared for my signature, on the Promissory Note also dated XXXX XXXX, 2007. 
3. I was not aware of a closing nor present for a closing, nor did I grant anyone Power of Attorney in association with above transactions. 
4. I received a notice of my alleged indebtedness, therefore I requested from Bank of America a copy of their file to support the alleged indebtedness that I was told that I signed. I was sent a copy of the Promissory Note which is attached hereto.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had two account with chase one was saving and checking accounts. I had zero dollars on my checking account but had money on my saving account. My overdraft protection was off. Which mean Any transaction I made off my checking were to be declined. Since I made a purchase the card didnt decline I thought they were taking the money out of my saving accounts. It wasnt till my checking account was overdrawn by XXXX dollars they notified me I had an overdraft. They never took the money off my saving account to cover my overdraft transaction even though it was off on my checking account. I called to close the account. They never did and kept letting charges go through. They wont stop harassing me. They vandalized my car. Wont stop following me. Asking people for my personal information. Hacking into my XXXX accounts. XXXX accounts, emails monitoring and monitoring my messages without consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dealing with a lieing and stealing mortgage company. Proved four lies they have fed to us. Dealing with Bank of America lieing modification. Dept. Names on mortgage have every statement and cancelled payment transaction that prove we are responsible mortgage owners ... ... .. Bank reports false credit late payments on home .... We understand notes are due every month, their phone rep dept. and dept that generates statement balances and mails them to customers, tells the customers doesn ' have a payment due, after the modification is approved ... ... .. Same case as NORTH CAROLINA VS. BANK OF AMERICA ... ... Same XXXX payment exactly one year later ... .... Customer has been told they are wrong over and over ... ... .. Customers have every thing on paper filed in order by date ; waiting for the banks subpeona or the state of TN. Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: VA
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 been trying to get this issue corrected for 3 years now. XXXX Experian and XXXX has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all 3 bureaus don't match either.

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 2020-08-12
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: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Tenant Data Services Inc
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My application for an apartment was denied today because tenant data reported my credit score wrong. I have been working on my credit all year and all 3 of my scores are above XXXX. I was denied because I didnt meet the XXXX or over my credit score came up at a XXXX. When is this data updated?? I have worked my behind off all year to grow my credit score and with 3.5 weeks to spare, my children and I could be XXXX  because of outdated information. I would have never applied if I was worried about that being the factor that wouldnt get us into our new home.

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: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was working with my old mortgage company XXXX on a loan modification. The file was complete. They decided to transfer the loan to Fay Servicing on XX/XX/XXXX but the sale date was XX/XX/XXXX. XXXX told me they will stop my review because the loan was being transferred even though the file was complete and I had to work with the new servicing company. Fay servicing is stating they will not review my file because the sale date is within 37 days. It is beyond unfair to me that the loan was transferred within 37 days of my sale date which is blocking me from having the bank review my file. Fay also stated even if XXXX sent them the full modification file they would not use it because they have their own forms so I had no chance of a review because Fay took over the loan 30 days before the currently sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
About two weeks ago my regularly scheduled monthly payment to my private student loan servicer ( Navient ) did n't go through because my bank account balance at that time was a few cents off. Because of this, my bank did n't authorize the payment. I called Navient later that week on XX/XX/XXXX to ask if the company would try to withdraw an electronic check from my account again and he ( XXXX ) said Navient would n't try to withdraw the same payment a second time. Therefore, I made the payment online the following Monday ( XX/XX/XXXX ). The next day ( XX/XX/XXXX ) when I checked my bank account I saw that Navient did try to withdraw a second payment. Which caused my account to be overdrafted with fees being assessed to my account from my bank. I called later that day and spoke with XXXX ( XXXX ) who refunded one of the payments when I told her my situation and that I could n't afford to make multiple payments at one time. A week later, today ( XX/XX/XXXX ) I checked my Navient account online and it shows that I have n't made a payment for XX/XX/XXXX, and that my account is currently delinquent. When I called the Navient representatives they claim they never received a payment, although the second check from ( XX/XX/XXXX ) cleared. I 've spoken with representatives at my bank and they 're showing that I made a payment for last month. Unfortunately this is n't the first time that I 've experienced customer service issues with Navient, last year they claimed they did n't receive a payment that I made. It is obvious that Navient is n't telling their employees proper information about how payments that are n't received the first time are processed. This one payment has caused a never-ending inconvenience. If Navient allowed customers to make payments online without any restrictions I would'nt have to deal with the many mistakes that come from automatic withdrawal. This is yet another reason why we need to have student loan reform in this country! Especially when it comes to private loan servicers like Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My sister 's information is showing up on my credit report. This has become an issue because her bad debt is causing my credit score to drop. I need to know how I can get her information removed As Soon As Possible!!! A credit report has already been run. The Report # is XXXX. I do n't wish to have my credit run again as a hard inquiry as this will also reflect badly on my report. I was told that this report # would suffice for the issues in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: PulteGroup, Inc.
State: SC
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:
XXXX XXXX isnt reporting XXXX XXXX isnt reporting XXXX  isnt reporting my XXXX  XXXX XXXX card isnt reporting my XXXX car isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting

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: DISCOVER BANK
State: SC
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:
XXXX XXXX isnt reporting XXXX XXXX isnt reporting XXXX  isnt reporting my XXXX  XXXX XXXX card isnt reporting my discover  car isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt

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 2017-02-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I got a loan from one financial institution, which was then sold to another financial institution, and then in XX/XX/XXXX, was sold to another financial institution, Ocwen Loan Servicing. Since then, it has been very difficult to work with them. They have raised my interest rate without notifying me. They have my current address that they send my statement to, but I found out that they were sending letters to my old address that I have not lived in for over 2 years. And then they accepted my monthly payments, but did not apply the money to my mortgage. They put it in " Suspense '' and stated that I was delinquent, charged me late fees, and reported to the Credit Bureaus, which has ruined my credit. After much difficulty trying to contact them to discuss, they have stated that they will not help me straighten this mess out.

Company response to consumer: Closed
Consumer complaint received 2015-12-04
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: SQUARETWO FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so.

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 2016-05-10
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all 182 monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual a ) Please provide a complete pay history for the life of the loan. 
b ) I 'm in receipt of your recent Annual Escrow Account and would like a detailed explanation of the various charges. A copy of the same is attached hereto. Specifically I 'm inquirying about the specific fees and charges : - {$1900.00} for Projected ending Balance and " $ XXXX for " Actual Ending Balance '' Please explain this amount What portion is attributed to taxes and insurance etc? 
Is there a force placed policy on my account? If so please provide a copy of the forced place insurance policy and any and all notices you sent me prior to force placing insurance policy on the property. 
{$3400.00} in the Mortgage/Hazard insurance What type of mortgage insurance is this for? 
Please provide a copy of the mortgage /Hazard insurance policy Please provide a copy of the title insurance I was charged for Please provide a copy of tax and title certificate that I was charged for Interest rate Explain how the interest rate was calculated Maturity date Please Explain how the Maturity date was calculated Please provided Loan Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
on XX/XX/2016, the sprinkler system in my house failed and cause damage. All state did the evaluation and send a XXXX party check of XXXX named the Bank ( PennyMac Loan Services , LLC ) and homeowner ( me ) has the payee. The agent for the bank instructed me to endorse the check and send them. They will deposit the check and release the funds as the work progress in installment. I did as per their instructions. Made several Phone calls nothing happened. Today is XX/XX/XXXX. 
Now they are telling since we are in bankruptcy/ litigation. We are not going to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated college in 1999 and was a XXXX who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help.

Company response to consumer: Closed with explanation