BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AZ
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:
Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX XXXX  have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Tuesday, XX/XX/2020 I logged onto the website of Lakeview Loan Servicing ( https : //lakeviewloanservicing.myloancare.com )  with the intention of finally paying off my mortgage. I filled out the required form, submitted it, and was met with the error : " Error Sending PayOffStatement Email ''. Immediately afterwards I called the customer service at XXXX. I waited for a while and was told that there was no representatives available, and the call was ended. I called again the following day, and again was not able to talk to a representative - this time I was sent through a loop of menu items that gave me no option of talking to a representative. I tried calling other numbers for Lakeview Loan Servicing listed online : none of them responded, and all of them had the voicemails full so I could leave no message. Finally, I tried to email them through " secure email portal '' and received no response. Because the email was sent through their portal and they did not send me a confirmation email after submitting my email through their portal, I have no record that it was sent. Since then I have continued trying to call Lakeview without any kind of response. Now it has been two months that I  have been trying to payoff my mortgage to no avail, and have had to pay my regular monthly payment WITH interest. This unresponsive customer service is unacceptable, especially for a company overseeing something so important as the mortgage for my 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 2020-01-04
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing assumed our mortgage on XX/XX/XXXX from XXXX XXXX XXXX. The City of XXXX property taxes, in the amount of {$5500.00}, were due on XX/XX/XXXX and a copy of the bill was emailed to Shellpoint on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the property taxes remain unpaid, despite multiple telephone calls and emails to Shellpoint Mortgage Servicing. Telephone calls were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, each time with escalation to a supervisor. Emails were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CORELOGIC INC
State: VA
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 not gave permission for these companies to run my credit : XXXX XXXX or Credco to run my credit. Please remove this from my reporting. Thank you so very much! 

XXXX XXXX has run my credit on these days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credco has run my credit on : XX/XX/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 2020-01-04
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
All of the accounts on the attached file are from XX/XX/2015 and I have written to all the credit reporting agencies and they ignore me. 
It is not legal to show a charge off/write off and STILL show a balance due. It has to be one or the other. 
This has destroyed my credit and I have reached out to all of them, yet to no avail. I have been turned down for a mortgage because of this. 
I would appreciate any help you may offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
this was opened XXXX XXXX,2017 this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.

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 2020-05-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Details : Convergent outsourcing is attempting to collect CELL PHONE DEBT which is almost 6 years old. 

Original creditor : XXXX Amount : {$1600.00} Age of debt : 6 years ( XXXX has it as 4 years ) Issue : this debt has passed FEDERAL statute of limitations ( FDCPA ) of 2 years by a significant margins Ask : remove this item from any credit reporting agency ( from XXXX AND including XXXX ) Creditor Information CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , WA 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 2020-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One home loan company bought my loan from the XXXX XXXX XXXX  late last year. The servicing has not followed the legal documents for my mortgage which states that they are responsible for paying my property tax. They failed to do so last year and I accrued late penalties. I had to contact them and the XXXX XXXX XXXX to get them to pay it and the late penalties. 
This year they again failed to pay the property tax due in XXXX of this year and I have accrued overdue penalties. I called them last month on XX/XX/XXXX. Almost a month ago. They confirmed that they would pay the XXXX tax and send proof that they would cover the penalties cost as it was their fault. I called them and they claim they paid my property tax but refuse to pay the penalty saying it's my responsibility. 
The taxes are supposed to be paid via my escrow account which I have been paying on time every month. 
I am afraid that this is affecting my credit score and that I will get a tax lien on my property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-17
Company: CITIBANK, N.A.
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: Other problem

Complaint:
I ordered a " XXXX XXXX XXXX XXXX XXXX '' from XXXX, XXXX on XX/XX/2018. It worked for a short while then started having issues. After troubleshooting the issue I contacted XXXX, XXXX regarding these issues and had to send it back to them for service. After receiving it back, it was in worse condition. At this point, my purchase was after 30 days but within 90 days, so I contacted Citi Card Benefits on XX/XX/XXXX with all the documents they requested to initiate a 90 day return protection claim for a refund {$300.00}. After the initial contact, I contacted every 15 days to figure out what the status was. It took them until July 18th, 70 days later, to get me instructions on sending the item to them. I sent the item to them in the original packaging and using the original shipping box XXXX, XXXX used. 16 Days after I sent it, on XX/XX/XXXX, then sent back a reply claiming I did not send them back everything and that power cord, software and two screws were missing. I replied back stating the I had sent everything XXXX, XXXX had sent to me. I did not receive a response back and received back the printer a short while later, poorly repackaged and in worse shape. There were four screws missing, the extruder was detracted, the power cord was not in the box, and the metal frame connecting the exturder and fans to the belt was bent. The SD card containing the software was still in the box. A week later, I received a letter stating that the claim was denied due to missing parts. My attempts to contact the Citi Card Benefits have resulted in promises on a call back, with no call back.

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
Consumer complaint received 2020-01-04
Company: BAY VALLEY MORTGAGE GROUP
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am requesting the following inquiries be removed off of my credit reports all three XXXX, XXXX XXXX and XXXX due to fraudulent activity and being a victim of fraud since XXXX. The following dates show XXXX XXXX placed an inquiry on all three of the credit reporting agencies without my consist. Please remove the following dates due to being a victim of fraud. 
XX/XX/XXXX XX/XX/XXXX Bay Valley Mortgage group fraudulently pulled my credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit. 

XXXX XXXX fraudulently pulled my credit on the following XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello. My complaint is with SLS XXXX XXXX XXXX, XXXX XXXX XXXX co, XXXXthey are servicing my loan, in which i am in the midst of loan modification. They are in the habit of waiting an hour before my trustee sale to notify me of missing documents. I had a trustee sale date set for XXXX XXXX, and up until XXXX XXXX i was told that my package was complete. i was following up with them every 2 hours to make sure i had a complete package and on XXXX XXXX, i was notified a document was missing and if i sent that document to them, they would postpone the trustee sale. I did send that document 10 times, they received it and told me they wre postponing the trustee sale. at XXXX XXXX on XXXX XXXX, one of their employees advised me that i was misinformed about postponign and the bank is proceeding with the trustee sale as planned. it was too late for me to take any action, even if i was to reinstate my acct, it was too late. I did a bankruptcy at XXXX XXXX that same day to postpone the trustee sale and schedule some kind of reppayment plan. the trustee sale was postponed bcuz of the bk and they started reviewing my loan modification it has been a month, no response, and i have trustee sale set on XXXX XXXX. i am asking them to postpone the sale since all the documents are in, and i am being reviewed. but they are not postponing. they are waiting as before to the last minute to deny me or advise me of documents missing. can you imagine, one whole month has passed and they are not doing anything with my file and waiting for the day of trustee sale to advise me of status. 
I am requesting for them to postpone the trustee sale since all documents are in and i am being reviewd. it is not fair for me to be notified of a denial decision the day before the trustee sale at XXXX XXXX. please review their procedures to see if they are within rules of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the collection account is reporting an active payment history and there's no contract between myself & XXXX. XXXX nor Experian making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 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 non-monetary relief
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My credit report was given to a company and marked as a hard inquiry on multiple separate occasions when the creditor had not bearing or rights or permission to have full access of my credit report. I ask that these be removed from my credit report as I did not authorize access to a full credit report to be obtained by the following companies! 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/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 explanation
Consumer complaint received 2016-05-26
Company: CITIBANK, N.A.
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
they froze my line of credit

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 2020-08-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is regarding the new XXXX credit card offered through Synchrony Bank. I have received numerous mailers regarding applying for this card and how it offers {$10.00} off/eligible line when used to pay your XXXX XXXX bill. So I applied and got accepted to take advantage of this perk. I applied on XX/XX/XXXX, was approved, and received the card on XX/XX/XXXX. I promptly added it to my account and had it set up for auto pay. The bill deducted on XXXX with no discounted amount when using the card. I contacted XXXX, and the customer service rep apologized for the confusion, but admitted that it actually false advertising. The card doesn't offer you a discount over what you would receive just by using auto pay like I already do. I was lead to believe that by getting the card I would be receiving an additional $ XXXX/off per line as told by a rep at a store and the mailers, as well as, app advertising. This is false advertising. I would never have signed up for another credit card when it lacks this basic benefit. XXXX XXXX should not be misleading customers, and the ads should advertise that this is not a discount if you have auto pay. They should also not be informing reps to mislead customers.

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 2020-08-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have not been able to log on to my Navient account portal in over a year. The website simply says " Were sorry an error occurred. Please try again. '' I have called the company numerous times and they have tried changing my login information and resetting my account but nothing has worked. When I call the company says they will follow up with me after they discuss the problem with IT, but they never call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Fair collections and out have reported inaccurate information to transunion, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but transunion refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and XXXX ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting wrong information in my credit report they are reporting and account that does not belong to me is from a collection company that is probably braking tha law also by reporting wrong information on people 's files to see if they can damage their credit without actually investigating if the account belongs to that particular consumer. 
The name of this collection company That I have never hear of is MONTEREY collection svc.

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 2020-08-05
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
Chase credit card. 

I disputed charges from a XXXX school, XXXX, after I had canceled my membership. I provided clear proof of the canceled membership, in the form of an email from XXXX general manager. Yet Chase upheld the disputed amount and withdrew funds from my bank account. 

Indeed, Chase withdrew MORE than XXXX charged. 

My statement shows Chase withdrawing payments as follows : Date Amount XXXX {$69.00} XXXX {$98.00} Total : {$160.00} Total charges by XXXX after my membership cancelation date of XX/XX/2020 XXXX {$69.00} XXXX {$29.00} Total : {$98.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received any information that I owed a debt to this company in writing. I am not aware I owe this company any money never did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Receivables Performance Management, 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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2016-11-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I used my Citi Bank Credit card for a charge to XXXX XXXX XXXX XXXX/XXXX/2016 for a vacation package. The cost was {$4000.00} and I put {$2000.00} on my creidt card for a downpayment. The vacation club office person gave me a flash drive with all the signed documents and refused to give me a written copy of the agreement. I did in fact go back to the motel and tryed several differant times to open the flash drive with out any sucess. I called the XXXX on XXXX/XXXX/2016 to inform them I want to cancel my contract right now and a full refund issued to my credit card. The lady repersentive assured me she was going to cancel my membership and a refund would be issued. On XXXX/XXXX/2016 a lady from the XXXX XXXX called me and I explained to her I canceled my membership the day before cause I decided to do so, she said I see here on the computer where you membership is canceled and a refund of {$2000.00} has been issued. I have been in contact with my Credit card company CITI Card and they have refused my charge back claim. I am demanding a full refund of {$2000.00} be put back on my card plus anyother charges and interest CITI Card has charged me for XXXX 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