BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX  Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I signed up for Equifax Total Premier service on XX/XX/2020. After completing the sign up I created an online account. However, I was unable to login to the created account. I received a message that said call customer service. I contacted the toll free number only to be told that Equifax was unable to unlock my account and that I needed to mail a letter with a copy of my license and Social security card. I mailed it in. This past weekend my card was charged the monthly fee. I called customer service to inquire why this happened only to be informed that my paperwork was never received. I was given an excuse and a fax number to send my information over again. I faxed them over and called customer service again only to be told again that my paperwork has not been received. I was put on hold and transferred 4 times for over an hour and 20 minutes only to get hung up on. I called back again and now can not get in contact with a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting Act XXXX Accounts names XXXX, EQUIFAX MORTGAGE SERVICE, XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX  has placed my mortgage account in credit as 1 month behind. 
My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with XXXX XXXX. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. 
My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2016-07-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Owner of this unit has neglected exterior maintenance since taking ownership in XXXX 2016. On XXXX/XXXX/16 the water authority had to turn off the water due vandalism causing water to flood into the neighboring unit and cause further damage to the exterior of this unit. After two weeks of attempts to get this situation rectified due to neighbors expressing concerns with potential mold spreading throughout the entire row of homes I have received no return calls nor have the owners cleaned up the exterior or interior of the unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen was to deduct my mortgage payment from my banking account. For unknown reason the payment did not go through. Ocwen never contacted me. Only when we sold our home did I find out that they were reporting me late every 30 days. When I contacted them it was revealed that the contact information on my account was someone else 's to include the mailing address. When I asked to have these late payments taken off my credit report they stated to me " Well you were late even if we did n't contact you '' and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 
1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 
2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX XX/XX/XXXX. 
I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX   hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. 

Account : XXXX XXXX INT Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have requested to transfer my IRA account from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX OH XXXX, to Citizens Bank, to be deposited into my existing IRA Savings acct. The XXXX XXXX then sent me a letter dated XX/XX/XXXX, stating that the Trustee to Trustee Transfer was completed in the amount of {$8400.00}, and that the check for said amount was mailed to Citizens Bank-Retirement Services, XXXX XXXX XXXX XXXX, XXXX RI XXXX. Again, the letter is dated XX/XX/XXXX, and today 's the XX/XX/XXXX. The money has left the XXXX XXXX yet have n't reflected on my IRA account at Citizens. My numerous phone calls to Citizens produced no results, the money is nowhere to be found. It 's been almost a week and nothing happens. It appears that Citizens have lost it. OMG

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2015-06-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Citizens Bank held a Boat mortgage for about 13 years on a 15 year loan. The loan was paid off early, but they ( Citizens Bank ) lost the boat title. Now they want me to have run around after it. Which I did. I asked the banks customers department for my time and expenses. The flatly said no, that the Title was my problem. 
The bank, Citizens Bank, told me the lost my title, and it is my responsibly to go and get it and to pay for it as well. They issued a " Release of Lien, " Instead. My account # is xxxxxxxxxxx, and their phone # is XXXX. 
I was never late in 13 years of a 15 year loan, and they had my boat Title as Collateral all of this time. 

I have since drove around and received my title after sitting in a D. of M. V. office for nearly 2 hours, and paid the {$36.00} for a replacement title. 
I have since the bank to reimburse me {$150.00} for my time and travel, and {$36.00}, for the replaced Title. I think that the {$180.00}, is extremely fair, however this amount will go up as I spend more time on this issue. 

My XXXX regression is ; XXXX XXXX, I need help, as I am on XXXX and ca n't go running abound, especially for their mistake. 

My name is XXXX xxxx, xxxxxxxxx xxxx xxxxxxx xxxxxxxxxxxI have the Release of Lien if needed ( a copy, ) as I now have gotten the Title myself. 

The bank in question ; XXXX XXXX XXXX XXXX. XXXX XXXX, RI XXXXThank You, XXXX XXXX ; Citizens Bank.XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
to whom this may concern I would like to take this opportunity to make you aware that XXXX bank has stole money from XXXX XXXX. 
they are refusing to refund him the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Brock & Scott, PLLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The law firmBROCK & SCOTT, PLLC has been harrassing me and my family about an alleged debt without and debt validation or verification. 

Per FDCPA rule : The attorney thus violated 15 U.S.C. 1692e ( 3 ) and ( 10 ) ,1. The law firm invaded the privacy of an individual by unreasonably intruding upon his seclusion by communication through the USPS via first class mail in relation to an alleged debt that did not owe to the law firm. 

2. The law firm and its agent 's acted in a false, deceptive, misleading and unfair manner by repeatedly communicating with me via USPS mail without validating and verifying the alleged debt. 
See attachment :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2016-02-18
Company: Brock & Scott, PLLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX XXXX house in front of assistant clerk XXXX XXXX XXXX XXXX XXXX Clerk of Courts ... acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under fed.statue 1692a ( 3 ) and the creditor under fed.statue 1692a ( 4 ). The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The assistant state court clerk allowed a debt collector fed.statue 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. Clerk also advocated on behalf of the debt collector that the proper procedure for mortgage " acceleration '' was proper without " proof of delivery '' I was denied proper consumer protection in regards to FDCPA statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I want to receive in the mail, all information pertaining to my loan from its inception in 2004 through today. Fees charged, interested charged, payments made, etc in chronological order. 
Please include a legend so I can understand your abbreviations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up citi checking account last XXXX for promotional sign up bonus. Basically I need to deposit $ XXXX new money within 30 days of opening the account. Within 90 days, {$400.00} sign up bonus should be posted in my checking account. However, it has been more than 4 months but the sign up bonus still has n't been posted. Contacted citi many times but it takes forever to give me an solution. NEVER TRUST CITI!

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 2015-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went into Bank of America XXXX branch located @ XXXX XXXX XXXX, ma XXXX. I was making a deposit for a business that I am an employee of. The teller, XXXX XXXX, asked for my license in order to complete the cash deposit. I complied with his request and handed him my license. I asked for a copy of the banks privacy policy regarding personal information because he was entering into his computer all of the information that was on my drivers license. XXXX XXXX refused to produce this document. I called Bank of America customer service ( XXXX ) to ask for a copy of their personal information privacy policy and they refused to supply that as well. The phone operator told me that she could put in a request for this information to be sent to the account holder but that since I did not have an account I could not have access to this information. I strongly believe that the Federal Privacy Act is being violated in this instance. I have the right to limit the sharing of some of this information and I am not being allowed to do this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation