BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: WA
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 negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.

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 2021-07-29
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
USCB AMERICA keeps reporting multiple collections accounts on my credit bureau for an invalid debt. The amounts are due to accounting and billing errors by XXXX after a XXXX. I paid my copayments and deductibles and the reported amounts are due to billing/accounting miscalculations. Now USCB is reporting the info under four different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: AES/PHEAA
State: MD
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:
IT would be better to talk face to face, I work for XXXX  and could do a TEAMS call. 
Student loans from XXXX XXXX degree, I never had any Exit counseling ECT or education. I deferred for most of the 12 years I worked as a XXXX  employee in XXXX XXXX. They never offered me a payment plan, I made to little to afford to pay with a wife and XXXX little kids. I would have had most of my loans forgiven, with my 5 years a a federal employee. I am in the income repayment plan now, and they prior to this temporary relief from the president were literally Robbing me every month. I begged them for lower payments, they don't care that I am an XXXX  XXXX with XXXX children in private schools, holidays, XXXX food expenses Ect. they just lump me in a box, and gave me payments over $ XXXX month. I have been trying to get all my forgiveness months added, its XXXX. they want all docs Wet signed I am not sending my SS # over XXXX, and cant do it from work. in add Fed loans is going to stop servicing my loan. I am scared I will get messed up again waiting to see if loan forgiveness ever passes. 17 years public service, I should not be scared of my own government killing my financial freedom. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: PA
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 opened with Chase, about a purchase made on XX/XX/2021 by the merchant name of XXXX for the transaction amount of {$1600.00}. I got items from the carrier but the items I that I got were not the items that were listed on the website it was missing the graphics card. I would like to reopen this dispute. As The merchant was unwilling to accept a return for the package. As they did not send the full package as it was listed. The item missing was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase is unwilling to go further with this dispute even though I have faxed them all the required documents and they have been unwilling to help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The use of the debt collection tactic thats in question violates 15 us code 1681b, 15 us code 1681 a ( e ), 15 usc 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
Product: Credit card
Issue: Credit determination

Complaint:
I am a XXXX ; in NY on XXXX XXXX I applied with my wife for a us macy 's XXXX ; ihave no XXXX BUT I HAVE a XXXX ; I provided my identity - a XXXX driver 's license and I authorized a credit search ; I have never had credit problems I got a letter dated XXXX XXXX saying I can not get a Macy 's XXXX card but only a Macy 's card as I am not a resident of the XXXX I feel discriminated based on my national origin ; I have a XXXX American credit card and XXXX XXXX XXXX credit cards issued respectively by the XXXX and 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 2021-07-29
Company: CITIBANK, N.A.
State: NY
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:
These accounts don't belong to me. Please r

emove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX MACYS Account Number : XXXX  This is not mine.

5. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

8. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX This is not mine.

10. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

11. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

13. Identity Theft XXXX  Account Number : XXXX  This is not mine.

14. Identity Theft XXXX  XXXX  Account Number : XXXX  This is not mine.

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 2017-02-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
When I landed on the page to find more information about the CitiSimpilicity Card, there were some details of Terms and Conditions, but the webpage said to begin an application to find out more information. Because I was interested in transferring a balance, I began the application to find out more, only to find out that the credit limit I was applicable for was too low to transfer my entire balance from another card. But the company had already opened an account for me before I had the option to reject the credit offer they had offered to me. I do n't want the card because I ca n't use it for my intended purpose ( transferring the entire balance of my other card ), and when I called customer service, they told me they could n't stop my account from opening and that I have to wait until I receive the card and then close my account. I know this will hurt my credit score. I would n't have applied in the first place if I had had all of the information before being directed to apply for the card.

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 2016-11-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Home Depot has charged off this account stating I have never paid. I have been paying the XXXX group since 2013 and would like for this negative information removed from all of my credit reports! I have attached the credit report along with the supporting documentation that I have been paying the XXXX group and have settled and will be payed in full 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 2015-08-28
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called XXXX times in one day to collect a debt that is only XXXX days past due. I been contacted on both cell and home phones with messages being left.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage to Ocwen Financial Corporation in XXXX 2015. It is XXXX and I still have not received my title to the house. Looking online for complaints, I see this a common problem with Ocwen. My Mortgage loan prior to Ocwen was with GMAC Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX/XXXX XXXX REPORTING MY SECURED CREDIT CARD SINCE XX/XX/2021 AS OPEN WITH A XXXX BALANCE ... ..

THIS IS INCORRECT.. 

IT IS A CLOSED ACCOUNT WIITH A XXXX BALANCE I HAVE REQUESTED BOTH XXXX XXXX/XXXX XXXX & EQUIFAX TO CORRECT 4 DIFFERENT TIMES AS OF XX/XX/2021. IT HAS NOT BEEN FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in an active modification review with my lender Ocwen, as of XXXX/XXXX/2016 I was informed that additional documents were needed and was informed from XXXX ID # XXXX that the sale currently set for XXXX/XXXX/2016 was ON HOLD pending further documents in which was faxed over on XXXX/XXXX/2016. Now after following up with the lender I am informed the sale is in fact active and they are proceeding tomorrow XXXX/XXXX/2016 at XXXX XXXX leaving me no option but to file an emergency bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Specialized Loan Servicing Holdings LLC
State: CT
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:
My mortgage loan was transferred from XXXX  XXXX XXXX to Specialized Loan Servicing Company as of XXXX. I have been dealing with this company for just about 2 months and I am at my wits end with them. They sent our welcome packet late, has to call them to get new loan number to make payment. Their auto dialer called when it shouldnt have because they can not call us to demand payment because we had been in bankruptcy and it was discharged they did this twice before I called them to tell them to stop, and advised that we pay at the end of each month but within 30 days and I advised that per our modification and bankruptcy discharge, they can not charge us a late charge then my XXXX XXXX score drops 13 points because they reported us to the bureaus when they werent supposed to called them to get fixed, I got attitude and the agents were rude. They refused to transfer me to a manager, finally was able to s/w someone in consumer escalations she said would get it fixed and she did one of the first representatives told me I would need to prove they reported to the bureaus. I checked my XXXX  score today and it dropped 65 points because they reported it again called again and spoke with XXXX in consumer escalations who was very rude and basically advised it couldnt be fixed for upwards of 45 days I need it fixed before then .. he also rudely advised me of their business policy of no external emails for security and to speak with a manager it takes 1-3 business days that is ridiculous I need my issue fixed and escalated immediately I am to the point I am going to call a lawyer and sue.

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 2015-09-11
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was modified. We made all the trial payments needed. They came back to us and said they were sorry they made a mistake. We appealed it and then they came back and said they would honor the {$1800.00} payment but we had to pay {$5600.00} in a few days. We asked for more time but they said no. We appealed and was told to do nothing until they reached a conclusion. They told us to make XXXX 2015 payment which we did. They sent us new modification papers which only stated we had to pay the {$1800.00} and nothing else. We signed and notorized them and sent them back. They executed them and sent us copies. I made the XXXX payment on time and today XXXX/XXXX/15 they returned my money and said they want {$6100.00} by XXXX XXXX ( 4 days ) and also pay {$2900.00} for 6 months before we can pay the {$1800.00}. They said our modification was no longer good. I do n't feel what they are doing is right. Can you please help to straighten out this mess. We do n't want to lose our house over this because they are not taking our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Applied Data Finance, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : PERSONIFY  Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX and I have been a loyal customer with PNC for the past several years I have both personal and business accounts with them including vredit cards and lines of credit. 

On XX/XX/XXXX, I noticed several transactions in my checking account from pay for donations to an individual in the XXXX. 

This individual somehow was able to comprimise my XXXX account and send multiple donation to himself over the course of 3 months for almost $ 11k. 

I immediately noticed PNC bank of this and the closed down my card and began an investigation. However in less than 2 weeks XXXX presented the sellers side of the story which was : showing screen shots of the money being received and someone posing as me without mt name or email address. 

Thank him for absolutely nothing. I have been a member with XXXX sine XXXX. And this is the worst think they couldve done to me. 

My bank has claimed sine they can not raise the issue with XXXX, i need to get my money back ASAP. 

And look forward to your help. 

XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX and Equifax have re-inserted a Bankruptcy on my account when it was already deleted. It does not belong to me and it was fraudulently re-inserted back onto my credit report. This is illegal and against the law. XXXX  has already verified this account does not belong to me and has removed it. 

Bankruptcy Chapter XXXX-Discharged. Filed XX/XX/XXXX # XXXX  Court : US Bank Ct. XXXX , Il.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TD BANK US HOLDING COMPANY
State: MS
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:
TD Auto has received full payment for my totaled vehicle. I paid the final payment after receiving the final statement from the balance left after my gap insurance over month ago. This will be my second time complaining. I have two delinquent payments showing on all three of my credit reports! Im trying to purchase a home. I need this fixed ASAP! This has ruin my credit! Ive tried my best to work with them. They are the worse bank ever! They keep telling me i have To speak to someone in the insurance resolution department. After being on hold for hours and for multiple days customer service still says theres nothing they can do and that its a small department with a lot of calls and I need to call back. Please help me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
Four years ago I filed the attached sheriffs report and supplement. I have sent multiple copies of arrest and warrants from around the country including XXXX and XXXX XXXX County where I reside on the person listed on my sheriffs report, XXXX XXXX XXXX. Attached is the latest Grand Jury Indictments that list forgery.

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 2015-12-23
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hi My name is XXXX XXXX XXXX. I have recently came out of a bankruptcy with discharge success. Once I came out of the bankruptcy Ocwen ( XXXX mortgage ) would no longer take my payments. They gave me XXXX options : 1 ) pay the reinstatement amount 2 ) apply for a hardship modification. I have spent the last 7 months apply for the modification. I have sent and resent information to Ocwen over five times per their request. Now they have sold the paper on my loan to XXXX XXXX. It appears the process may have to start all over. I want to keep my house but I think I have been set up for a foreclosure. I need your help to maintain possession of my home. Please advise ... ... ... ... ... ... .. 
Sincerely XXXX XXXX XXXX Loan number with Ocwen : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen modified my mortgage. It took effect in XXXX and they took until XXXX to have it correctly processed the whole time my payments were ontime. They refused to update my credit report to show the XX/XX/XXXX payments and only started reporting ontime for XXXX and XXXX. Recently I checked and they had not reported anything since XXXX and it was not showing for XXXX, XXXX, or XXXX. I called and was told this would be corrected but they only showed the XXXX payment as received and now it looks like no payment was received for XXXX or XXXX and it is hurting my report and score and I am being denied credit because it looks as if payments were not made and now it looks like the XXXX payment is 60 days late.

Company response to consumer: Closed with explanation