BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
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 is missing that should be on the report

Complaint:
I have new and updated information. I sent a complete to Equifax on XX/XX/2022. Letting them know I did not authorize them to delete a file from my credit report neither did the furnished because the information on on the other two credit reports and I called XXXX. I didnt not authorize Equifax to delete XXXX XXXXXXXX from my credit profile I need evidence from Equifax that I authorized this account to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1. I scheduled a payment of {$440.00} to pay off my XXXX balance. But on XXXX, I found two transactions on my bank account, both of them are {$440.00} and charged by Apple Card , which means I am being charged twice without my authorization or acknowledgement. It is a serious violation. 

2. When I disputed it with Apple Card customer service, they said they will refund me, but refused to explain any details or admit the mistakes.  On XXXX, I found out my card balance somehow increased from {$230.00} {$700.00}. But since I paid off everything before XX/XX/XXXX, the current balance should be my XXXX spending which is {$230.00}. So I tried to contact Apple Card to fix it. But they can not find out the problem. It is a violation again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND XXXX AND EQUIFAX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX which I have no idea what the acronym stands for is a debt collection company that is reporting to the credit bureau a debt that I don't owe. The originator of the debt is XXXX in the amount of {$1500.00} I have no idea who XXXX is. XXXX is also trying to collect a debt that the originator was XXXX XXXX in the amount of {$1900.00}. This is false because my rent was debited automatically from my account. I have never received written notice from XXXX in reference to this debt. It is unfair that companies can just report things to the credit bureaus without sending notifications to verify accounts. I have no idea what the account numbers are.

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 2016-09-23
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I will layout my complaints as follows : XXXX. I feel that a loan work out was deny because I am XXXX 2. My file was lost for three months. I submitted the " Receipt of Application Assistance for Home Assistance Program '' on XX/XX/XXXX after my housing XXXX talked to a Bank of Albuquerque representative stating that they never receive the " The Receipt for Home Assistance Program-package. 
Although, we have a fax confirmation that states that the fax was transmitted. The Bank of Albuq. rep. requested we resubmit the package again which was on XX/XX/XXXX. 
In addition to this, my file was over looked previously for a year until I had to go to court on XX/XX/XXXX to reinstate the foreclosure documents. I disagreed. For 15 months that my file was overlooked, it has accrued late charges/inspection fees/late fees/taxes/hits on my credit which lowers my Fico score. Is this nickel and dime tactic adding to sabotage my chances of keeping my home? 
3. Taxes/Escrow : I called the Tax Accessor for my county an she stated that my taxes for XX/XX/XXXX were {$1100.00} and I could apply as head of household for " Freeze of Taxable Value in which they would freeze the amount of the {$1100.00} because I am XXXX. I also called an XXXX rep. to acquire a fair estimate for house insurance. After answering some questions about my dwelling she stated a quote of {$58.00} a month for house insurance and if I included my car it would go down to {$48.00} with a {$2000.00} deductible. Bank of Albuq. 
is charging me {$2400.00} more for home insurance a year. I would insure my home and include my car which would be around {$570.00} a year plus the {$1100.00} for property tax equals to {$1600.00} for both my Taxes/Home Insurance. They are over charging me ... ... ... why? 
4. Communication has been hard. This includes me also. 
5. Disclaimer : I had applied for XXXX around XX/XX/XXXX and did n't get awarded until XXXX XXXX. It took nearly XXXX yrs. 
to received it. One of my conditions is rare. XXXX. They asked if this hardship would be temporary or permanent? Is this a discriminatory question? 
This XXXX contributes to my physical conditions that transfer into XXXX daily. Unfortunately, the un- employment, involuntary reduction of income, and payment shock in the increase of the escrow and the adjustable mort- gage rate has place this mortgage dilemma as more of a hardship to everyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Received notice that I may be eligible for a mortgage refund by OCWEN " MISDATED LETTER CREDIT '' I was inform to submitted request for possible refund and that I would be informed of egibiliblity within 180 days. I submitted my request XXXX XXXX, I was recently informed by OCWEN that it would b ANOTHER 180 days from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a regular bank account with Huntington Bank online XX/XX/2022. I was able to have full access to the bank account with a debit card ( mailed to me 3 days later ). I was able to set up pay direct deposit and everything. However, after 3 weeks of having full access to my funds and receiving direct deposits from my employer at the time, Huntington Bank decided to put my account on hold until I walk into a branch and verify my SSN with a physical Social Security Card. Since the Social Security Administration was taking over 30 days to send a replacement social security card, I went to the local social security administration office to retrieve a stamped letter of receipt, verifying my eligibility to receive the replacement social security card. Ive called multiple customer service agents and bank employees of Huntington, and they all told me that they will only accept a physical social security card and nothing else. After a whole month passed as Im waiting to receive my social security card in the mail ( its still has not arrived ), Huntington then decided to fully close out the account. I called another customer service agent, and they finally informed me that I can walk into the branch with the stamped letter from the social security administration office. I was told that a cashiers check of the money that was in the account will be mailed to me. After I submitted the letter to the bank branch, the bank still refuses to issue my funds that was in the account before they closed it. The Bank started to request receipts of the money that was deposited into the account. I submitted all of the documentation requested in order to receive the check, and now they are giving me the run around about having to complete an investigation. Ive done my part, all I ask to receive the money that I worked hard for. .please feel free to ask any questions or request more detailed information if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX closed my account. This XXXX XXXX XXXX was opened on XX/XX/XXXX. In XX/XX/XXXX I had XXXX and my brother passed away unexpectedly. I have never missed a payment in the past with this company. In XX/XX/XXXX I was still struggling with XXXX and the death of my brother so my payment was late. XXXX closed my account however, I reached out to a representative on Saturday XX/XX/XXXX. His name was XXXX he informed me that if I paid the past due balance of {$200.00} that my account would be reinstated and the company would remove the 30-day late payment from my credit report. I asked him to send that to me in an email and he assured me he would put it in writing. Instead of paying the past due amount I paid the account in full. Not only did he not send the information in writing I currently can't even see the account. It is shameful that I have had this card for XXXX years and never missed a payment. When I was at my lowest this company did not extend grace. God forbid either of them is ever in this situation.

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 2016-08-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX I am recently divorced, without a Divorce Settlement, at the present time. Divorce has been dragging on for XXXX XXXX years. The Mortgage Company, for the jointly owned residence has been less than fair and have failed miserably to their own privacy laws. They have let my ex-husband call in and change the mailing address for mortgage account information 3 times, in which they rang pre-arranged payments, made by myself, who lives at residence, in my ex-husbands name on an account he has never been on. My personal checking account. They then sent him letters, with my banking information on them, at his new address, with his new girlfriend. The payments that were sent through in his name where sent back, as stop payment. I had to pay XXXX dollars more each payment, because of that, which was their fault. I have already went through the loan modification process with the Mortgage Company and ended up owing XXXX dollars more a month, now another XXXX dollars to that. Where did that help? 
Since my ex-husband has messed with account information. There has been a court ordered Protection Order set into effect, on him. The Mortgage Company has been notified, notified, notified and notified about the situation and that I reside at residence and my personal financial information, is my privacy. Since my banking information was given out to my ex-husband, I felt I needed to set up new accounts, for doing my personal financial business. The mortgage Company was sending payments thru on unauthorized dates, on the account that was compromised, by the mortgage company. Have experienced overdraft fees and stop payment fees, because of their actions. I did n't even know if my other monthly bills would be sent back, because of the mortgage companies action, because of their unfair methods of doing business. 
I called mortgage company and tried to give them my new banking information, but they refused to take it and now need a letter, giving them permission to send payments through on new account, that I felt had to be done to protect my personal finances. Why would I be contacting them and try to set up payments, only to be refused and oh now you owe more money, because of their way of conducting business. No one should have to put up with this, from any company and especially the unlawful practices, from these companies ... ... ... ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an Adverse account In Collections reporting on my credit report from for a {$210.00} debt balance to Credit Management LP. I had never heard of this company and I never signed a contract with them.

I contacted Credit Management LP by phone on multiple different occasions to advise them that I dont know anything about the debt that they are reporting and I requested that they remove it. In my calls I offered to pay the debt if the would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt had on my credit.I did not know that I could contact the CFPB to assist me with getting this erroneous account removed. This is not my debt. I have not  ever conducted any business with Credit Management LP. I have never requested their services or signed an agreement to pay Credit Management LP for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I do not have a CitiBank credit card. I have never had a CitiBank credit card. Yet, this company keeps calling me regarding my supposed " account. '' Today, they awakened me out of a sound sleep at XXXX. PST. I am recovering from XXXX, and did not appreciate being awakened. I looked on the CitiBank web site, and did not see the phone numbers that were left for me. I was told to call " XXXX. '' The phone number on my caller ID was " XXXX. '' I am also on the " Do Not Call '' Registry. I would like to know where CitiBank got my private, non-published phone number, and why they think I have a supposed " account '' with them. 
In addition, I discovered in 2015 that I am the victim of major identity theft. If someone opened up a fraudulent account with CitiBank, using my name or personal information, I would like to find out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2011 we attempted to refinance through our local bank. We wanted to refinance because our mortgage, through Ocwen Loan Servicing, is prohibitively high at nearly {$7500.00} per month. We had an appraisal done and had the new mortgage loan all set up. But the day before all legal papers were to be signed, Ocwen Loan Servicing contacted our bank and our local XXXX XXXX XXXX to say that Ocwen would only let us out of the mortgage obligation if we paid the entire remaining mortgage PLUS a $ XXXXXXXXprepayment penalty! Everyone at our bank and at XXXX XXXX were shocked and said none of them had ever heard of such a situation and it certainly sounded like predatory lending. We knew nothing to do about this situation until the recent XXXX XXXX article on the Bureau of Consumer Financial Protection. We have continued to pay this monthly mortgage fee so we do not lose our home and business. It is difficult and discouraging, especially since interest rates have dropped so much, but we are still stuck at 9.75 %. We have tried asking Ocwen to let us refinance at a lower rate, but they have ignored us. Our local bank is still offering to refinance us at a much better rate, but we can only do so if we are able to get out of this prepayment penalty obligation with Ocwen. Please see if you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Transworld Systems has a collections account for XXXX XXXX XXXX. The debt I owe is partially valid. However, they called me today at XXXX Mountain Standard Time. The address on file is my address located in XXXX, CO. My phone number and prior account with ADT was in Eastern Standard Time. They have sent collections notices to my XXXX, CO address -- thus they should know what time zone I am located. Simple SSN skip tracing will also show my moving in XX/XX/2016. 

I called the phone number back and they read the debt statement to me per law. When I advised the agent their company had broken the law calling me the agent did not have a response. She stated they are in eastern standard time. And then continued to collect the debt from me. This call is a violation of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive just reviewed my credit report and noticed the following inaccurate items. I understand that before any account or information can be furnished to the credit bureaus ; all information and accounts must be 100 % accurate, verifiable, and properly validated. I am not disputing the existence of this debt, but I am denying that I am the responsible debtor. I am also aware that mistakes happen, I believe these accounts can belong to someone else with a similar name or with my information used without my consent either from the furnisher itself or an individual. 
I am demanding physical documentation with my signature or any lagally binding instruments that can prove my connection to these erroneous entries. Failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. 

ARS ACCOUNT RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: LEXISNEXIS
State: NJ
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted an online money transfer via moneygram.com due to them advertising XXXX minute transfers using debit/credit cards. I submitted the transfer at XXXX eastern time; however I didnt receive a confirmation/reference number via email as they stated so i waited a while in case it would take a little longer. At XXXX I called the customer service number to check the status of my transfer because their ad states up to an hour. when i spoke to a rep at XXXX I was told it will take another hour and XXXX minutes to complete my transaction; I then pleaded and asked could they process it quicker and honor the their promise of 10 minute transfers, because my husband was out of state and needing the money. I was told they were experiencing high call volumes/transactions and he couldnt do anything about the wait time and it would take XXXX as he stated. It is actively now XXXX eastern time and the money is still not available. It is exactly XXXX minutes since I called to follow up. Moneygram should not be allowed to market a XXXX minute electronic transfer if they are not going to honor it. In this day of technology there is absolutely no reason why it should take more than two hours and counting for something promised at XXXX minutes. This is affecting the livelihood of consumers who use this service. The purpose of utilizing a XXXX minute transfer is because we have an expectancy of fast delivery (XXXX minutes). Today is Saturday XX/XX/2015 at XXXX which means we now have no access to banks and bank transfers as an alternative so we solely depended on this Moneygram transfer as a resolve. At XXXX most moneygram locations/agents will be closed. This means that my receiver will not be able to access the immediate/emergent needed funds until tomorrow.

Company response to consumer: Closed with monetary relief