BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: OH
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 was told that they ( Equifax ) did a complete investigation including contacting the furnishers of the information. I would like proof showing that they contacted anyone and if they did why are they reporting incomplete information on my consumer report that's falsely reporting information on my consumer report and by law it has to be removed. My rights have been violated multiple times it states in 15 USC 1681s 2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
So wheres the proof i gave you written instructions to furnish the data in the first place.And if you continue to report this account that is concidered willful noncompliance 15 USC 1681n ( A ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recieved a report from XXXX stating two accounts from JP MORGAN CHASE were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen told me for months that they only needed my 2013 tax returns to complete the package for assistance. When I submitted them to Ocwen, they change the requirement to submit a new request. I have submitted a new request with all items needed yet I get emails saying nothing is submitted. Its taken XXXX years or more for Ocwen to provide assistance and they are indeed difficult to help struggling home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a new home @ XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX  XXXX Mortgage XX/XX/XXXX, the loan was immediately bought out by Planet Home Lending and just a month later, bought by New XXXX XXXX, my complaint is against Planet Home Lending. In XX/XX/XXXX, when we purchased our home, we only had the choice to use the California XXXX XXXX hazard insurance which is fire only. When it came time for renewal in XXXX, we found a more comprehensive company and decided to change. Unfortunately, XXXX XXXX paid both hazard companies, so we had to contact the Fair Plan to cancel and they inadvertently refunded the amount of {$690.00} to Planet Home Lending who was no longer the mortgage holder, to complicate matters further, we paid off our mortgage with XXXX XXXX and own the property outright. I have advised Planet Home Funding with XXXX phone calls, XX/XX/XXXX and spoke to XXXX and was assured I would get a refund in days ; on XX/XX/XXXX I spoke to XXXX and she said she had to get information from their cash department and would call me back, she never did. On XXXX I wrote a letter asking for immediate refund of the premium and today XX/XX/XXXX I spoke to XXXX, a supervisor and she said she would call me within the hour ... she never did. They can not keep money that doesn't belong to them and I want my refund now. Can you help me please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX Filed False Paperwork into the county Records a crime PC115 causing a cloud on my title, Exhibit A XXXX XXXX Misrepresented themselves by substituting XXXX XXXX Exhibit ( A ) as Trustee then using TRUSTEE CORPS as a Trustee on other paperwork. 
XXXX XXXX took an action it was not legally entitled to take violating 1692 ( e ) ( v ) XXXX XXXX Failed to Disclose who the Foreclosing Party they allegedly Represented was ( Unjust Enrichment ) EXHIBIT ( B ) ( C ) XXXX XXXX used the courts and police & Sheriff Department to Forcefully Remove my from my Home by Filing False Court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
CitiBank Advantage card abruptly cancelled my card stating that I had " unusual payment '' history. When they refused to explain what that meant, I escalated to the office of President and CEO ... eventually finding out that is was because I paid my bill in cash. I was an " A '' rated customer ALWAYS paid on time. I offered to provide bank statements as to where the cash came from ( withdrawal from my checking account ) of XXXX some years ... and they flat out refused. They have tagged me as a person who can not have a CitiCard in the future. I maintain large balances at CitiBank, I have been approved by the XXXX ( in order to get a XXXX ) ... have an excellent XXXX own a home, lease a car..etc and ... I explained that I felt like a dolphin who got caught in a tuna net ... and would they please re examine, that I would provide any and all supporting documents or statements they would like..and it was a flat out " NO '' ( only real reason I cared ... .because I earned XXXX XXXX XXXX ) but it was wrong all together. 
To add insult to injury, in the midst of the dispute, as I awaited a response, I was late in that XXXX payment ( waiting to see how they wanted me to handle the balance since card was cancelled ). Although I paid balance in full ( $ XXXX dollars ) they reported that as a late payment to the credit bureaus and have refused, even as a one time courtesy ( an only time ) to remove it. 
I reapplied for the card a year later ( only for the XXXX milage ) and was refused. I have XXXX gold and platinum, so I do n't think I 'm much of a credit risk ... .after many phone calls with them ... it turns out that they have marked me much like someone on a " no fly '' list. 
It comes to mind every time XXXX as they advertise HEAVILY for Citi Advantage card ... .and I fly a lot.

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 2020-06-15
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-10-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Paid the amount agreed. Contacted the company they said I honored our agreement but the have XXXX to report this to the credit bureau.

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 2016-08-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Signed up for a CitiGold Checking Account using targeted offer code XXXX. Upon completing the requirements for the XXXX bonus ThankYou points, I got a letter saying I had completed the requirements and that the points would be deposited. Well over 6 weeks after completing those requirements, I have not received the points.

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 2020-06-15
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2016-04-15
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have made on time payments which were not posted to my billing statements for each of the past two months. The statement cutoff date is the third day of each month. My XXXX payment was received XXXX XXXX and my XXXX payment was received XXXX XXXX and neither was posted to the following month 's billing statement. I was able to verify the receipt date through the CitiMortgage automated telephone number. 
I have had multiple issues with CitiMortgage regarding proper posting of my payments and accurately reflecting the correct principal amount and minimum payments due with an unsatisfactory experience due to their poor system of internal controls. 
Please investigate and resolve this matter. 
Thank you.

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 2017-01-20
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have several Federal Student Loans serviced by Navient. Prior to entering repayment in XXXX XXXX and since that time I have had several issues with customer service providing incomplete or inaccurate information but one instance truly stands out. As part of financing my XXXX education my mother took out a loan on my behalf. Then-XXXX described this Parent Plus loan as being in my mother 's name initially but then being my responsibility to repay following matriculation. Without this loan I would not have been able to continue my XXXX or XXXX education. Prior to XXXX XXXX I received several communications from Navient concerning my loans and, since we believed that this Parent Plus Loan was now connected to my account, we assumed all loans were included on these communications. Fast forward to XXXX XXXX and my mother receives correspondence from Navient indicating that she has defaulted on this loan and they would be notifying the Credit Bureau and withholding her Income Tax check. We did not receive ANY correspondence relating to this loan itself at any point prior to this. To our horror, we learned that this Parent Plus Loan is actually still linked to my mother 's name and there is no way to transfer it to my name, either through Navient or otherwise. The Navient representative we spoke to, XXXX, said that we must either pay all past-due payments, interest, and fees within 30 days or enter forbearance : those were the only options given to us. XXXX went on to say, " I know, they did n't really explain these well a few years ago '' ( referring to the Parent Plus Loans ). Obviously we did not have XXXX of dollars to clear up these issues so we were forced into forbearance. The forbearance period is now over and I am unable to enter into an income-based repayment plan on this loan because it is not linked to my social security number even though I am the one paying it. Navient provided incomplete, inaccurate information and completely defrauds consumers. Navient preys on desperate students and forces them into payment plans which cripple them and allows for no room to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Macys did not reverse out my {$230.00} dispute Similar to cfpg 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 monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Card Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I answered a phone call from an unknown number who stated I owed for a {$990.00} purchase in a XXXX credit card. 

Ive never had a XXXX credit card and it doesnt show up on my XXXX  account, or any credit report I run. 

They filed it as fraud then found it to be valid. 

Midland credit management said there was only one purchase in the account and no payment was ever made. 

They are threatening league action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Cash advance

Complaint:
Hi, I have received a cash advance offer from Bank of America for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or {$40000.00}. and I paid {$1600.00}. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect their credit, or to get advice from credit bureaus before borrowing. 
Now to regain my credit score I have to pay back the bank which it cost me {$1600.00} for 4 months instead of 18 months. I requested to pay back their money and they reduce their fee but they have rejected that. ( B of A case # XXXX ) I consider this offers as a public fraud since this sales only based on their sales without considering if that has a negative effect to their client 's financial. This is the same thing they have done on refinance houses prior to 2008.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: PRESTIGE FINANCIAL SERVICES INC
State: IN
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:
inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX PRESTIGE FINANCIAL ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Medical Recovery Services, LLC
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I Receive a collection letter from XXXX at XXXX, Idaho XXXX stating that I owe an account with Medical Recovery Services , LLC. I replied demanding Validation of Debt as I did not know anything about such account. Account was never validated. Instead they took my account submitted to court for judgment. I submitted more letters demanding proof/validation of debt. did not respond and this account was declared as Default by the XXXX county civil Court Judge. They refused to answer my letters and refused to update account accordingly. 
XXXX/XXXX/2016 Application for Entry of Default XXXX/XXXX/2016 Application for Default Judgment XXXX/XXXX/2016 Affidavit in Support of Application for Default Judgment XXXX/XXXX/2016 Order for Entry of Default and Default XXXX/XXXX/2016 Affidavit In Support Of Writ Of Execution XXXX/XXXX/2016 Writ Of Execution Issued {$1000.00} XXXX County

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation