BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
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 submitted a previous complaint through the Consumer Financial Protection Bureau, under case number  XXXX . Thank you for removing the late payment fees from my account as a result of your mistake. At this time, I am requesting a credit balance refund check be sent to me at the address listed on file.     After reading Kohl 's response letter, I do not agree with the result of the 'investigation ' into the delinquent remarks placed on my credit report. The response provided by  XXXX   XXXX   XXXX  brought additional questions that I would like to have answered.     Kohl 's response indicated that, during  XXXX   XXXX , I elected to have only electronic billing notifications provided when there was a balance due and to suppress paper billing statements. While this  may or may no t be true, I do not recall making this election in  XXXX   XXXX . However, because this is the response provided by Kohl 's, I would like to know how and why I continued to receive monthly paper billing statements through  XXXX   XXXX , two years after the alleged election was made to ONLY receive electronic billing notifications? Furthermore, I would also like to know the exact dates that I logged into my account online to view my account activity.     Based on these questions, to which I 'm sure will not properly be answered, the delinquent remarks should be immediately removed from my credit report as it is an inaccurate representation of the status of my account with Kohl 's. I am also requesting that the " customer disputes reporting '' remark be immediately removed from my credit report as I never requested that my account be listed that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: CNG FINANCIAL CORPORATION
State: MD
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
A third party collection agency is calling my job on a debt that I paid in full in 2008 with another collection agency. This agency will not give me a name, number, or addrss to send them my paid in full letter. they are calling my place of employment and threating me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Citi Management Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
this Company call me an also my job about a payday loan in 2010 f i own a loan why they calling me know. leaving me messeage on my phone Im tird of these call an my boss is fed up too. they saying they can take my wage take me to court an ect. they call me with a number then they call with an unkown number they keep saying they going to process the paper work they few day later they call again about send money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unable to withdraw funds from PayPal account after fulfilling account restrictions for a second time and keep getting the run around on getting the remaining funds out of our repairafter account. This happened several months ago we fulfilled the restrictions they refused to release funds then and took calling them 3 times to get it released and now it is happening again with much smaller amount. Now we keep getting put on hold for so long they either hang up or we dial back and it keeps happening. They are refusing to give us access to our funds after fulfilling their limitations over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have opened this account specifically for XXXX shopping, my mistake was thinking the money was in the account and there was XXXX so I went shopping on XXXX then the bank did not send payments for product that cash app says I paid for. Those transactions fell off and were never paid to XXXX and I have spoken to XXXX about this situation and they said your bank did not send payment so no product. Now as I have said I have made XXXX in deposits and I spent XXXX this is what everything adds up to now. On the feed I went by each transaction added then went by each transaction and subtracted what was spent and the numbers above are what I came up with. this is not rocket science but they have clearly stolen money and you have clearly done nothing either I am sending new updated feed could you please add and subtract as I did. All the plus signs are deposits round ups and what was spent you can clearly see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my Equifax report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my Equifax report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my Equifax report and nowhere else and XXXX is marked late on my XXXX report and nowhere else. 

please update all to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: U.S. BANCORP
State: CA
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:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with US Bank. I've never applied with US Bank. I called US Bank XXXX XXXX XXXX XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a debt verification letter from your company. In response to that letter, on XX/XX/2022 sent certified mail, within my rights according to the FDCPA I sent a validation of debt letter requesting specific information on the alleged debt. On XX/XX/2022 I received the same letter with no additional documents failing to honor my written request concerning the validity of the alleged debt which from my understanding is a violation to the FDCPA. How is the alleged debt validated and verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TRANSWORLD    SYSTEMS INC.COLLECTION AGENCY { TSI } XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX .... sent a letter to me stating that XXXX has asked TSI to collect, from me, {$71.00} and to submit payment to : XXXX XXXX : ACCOUNTING { PHARMACY } XXXX XXXX XXXX XXXX FL XXXX This IS A SCAM because I have a credit on my account at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XX/XX/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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am having a problem with Ocwen Mortgage Company of which my loan is managed. I applied for the ability to pay my own escrow per their instructions officially sent to me in the mail. I was denied. The XXXX points in their requirements to allow me to do this was:1. You have been current on your mortgage payments for the past 12 months. 
2. Your loan does not have a negative escrow balance or any other outstanding delinquencies. 
3. You do not have a tax or insurance payment due in the next 45 days. 
4. You do not have a force placed insurance policy. 
5. Your loan has not been modified within the last 12 months to include escrow. 
They also said that additional exclusions may apply, but Ocwen only knows those exclusions. 

After meeting all these requirements, Ocwen told me I had to have a loan ratio of less than 75 % of my loan remaining to qualify for escrow payments on my own. In other words I still owe more than 90.52 % of the outstanding balance on my loan and I can not be allowed to pay my own escrow. 

Another problem I have is Ocwen adjusts my escrow upwards every year even though I have an escrow balance at the start of 2015 of over {$1000.00}. 

Is this legal? Can they just nickel and dime me every year just for XXXX even though I live in a small town outside of XXXX XXXX, Kentucky. The city, XXXX XXXX, KY is not that big a city to have the taxes and homeowner 's insurance adjusted every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalided and questionable items on my report the the agency didnt make sure was 100 % correct. 

in accordance with the FCRA everything has to be 100 % accurate on my report and under the US code 1681e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting accurate information.

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 2016-08-10
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am in XXXX from XXXX XXXX and am still in college under my parents insurance. I had a XXXX done and went by myself and accidentally gave the hospital the wrong insurance card. Needless to say, the scan was not payed for by insurance and I was liable for it. It has gone into collections and I was contacted by Merchants Adjustment Services. I tried explaining what happened and gave the caller my dad 's number because I am still under his insurance. A few years have gone by and I recently noticed it was still on my credit report. I called and asked if they could send me a bill in the mail so that I could take it to my insurance company just to see if there was a shot in the dark that they would pay for it, but the MAS rep was extremely rude saying they would not pay for it and refused to send me anything in writing eventually hanging up on me. MAS is not my insurance provider and they do not make the decision as to if my insurance will help or not. I do not understand why they will not send a bill if I owe them money. If insurance can not help, that is fine I will make payments as I can, but I would like to at least explore that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is my 3rd and hopefully my last Complaint. 
If OCWEN really wanted to help me, they would give me the time to get to a closing and not put the property on foreclosure sale only days prior to me concluding a deal and going to closing. 
Every time I get to a point of potential closing, I am thrown under the bus and put back for foreclosure. Now XXXX/XXXX/XXXX - 4 days before XXXX. 
I can not close by XXXX/XXXX/XXXX because in qualifying for a Reverse Mortgage I had to get married, Correct my credit, pay back Taxes and Provide additional income to prove I could pay for Taxes & insurance on or before time so as not to cause another foreclosure. 
I have sufficiently done so, but my Partner of 25+ years works as an XXXX jobs had to submit XXXX & XXXX Taxes although no Taxes were due because actual income was below Taxable amount for XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX apartments ( XXXX Florida ), which I rented from. All my payments were made on time. They are charging me this extra money, which I do n't know what it is for. I checked my credit report and it says that it was sent to a collection agency, however, I never received any notification of the debt to begin with. I do not owe them any money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am owner of my digital wallet with BlockFi in XXXX XXXX  and the wallet is in my name. Blockfi is in the process of filing for bankruptcy. The digital assets in my wallet belong to me, and should not be used to satisfy secured creditors if bankruptcy comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: LA
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/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2021 - XXXX XXXX I have no knowledge of this inquiry and didn't authorize this company to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well. 
XXXX XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX JPMCB CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm being discriminated by Transunion. My credit card bill is due XX/XX/2021. Today on XX/XX/2021, Transunion lowered my credit score by 3 points for having a balance on my credit card. THE BILL IS DUE ON XX/XX/2021, 17 days from today. 

Transunion has not answered my questions, I keep getting the run around. I pay off each credit card monthly. My credit score should not be lowered for a balance that's not DUE until XX/XX/2021. 

Transunion keep my XXXX XXXX the same for 5 months?

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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit report I have found inaccuracies on an alleged debt that is impacting my credit character as a consumer and is hindering me from getting hired at a specific place of employment. Information that should, if from the same furnisher, should be reporting the same across all three credit reporting agencies but are not, which by law is a violation.

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 2015-04-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
When applying for a job I learned that there are XXXX unidentifiable Bankruptcies on my Experian credit report in XXXX 2014. XXXX is dismissed and the other is discharged. I have been disputing this with Experian and every month for the past 9 months ( XXXX times ) it comes back as verified. Finally called experian and they told me that have verified the information as correct. I asked them to call the courthouse. XXXX came back on the phone and said the number is busy. I asked her to verify the number which she said XXXX. The number is incorrect I advised her the correct number is XXXX. Which also led me to research the address Experian had for the courthouse on my credit file. The address Experian has is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is the XXXX XXXX not the courthouse. The correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I asked Experian how can the verify the Bankruptcy 's are mine with the incorrect information they have for the XXXX courthouse to be able to verify the accuracy as correct. They could not answer my questions. I have spoken to XXXX different employees. I as also rudely treated. I also noticed that the dates they have changed from month to month. I called the courthouse and spoke to XXXX. She said XXXX called and only asked for information on XXXX XXXX and gave docket number. The courthouse is not permitted to provide information on the social security numbers. Federal Bankruptcy Law Rule 1005 and Rule 9037 does not permit full social security numbers to be either given or provided to. Can verify with an address. The address the courthouse has is not my address nor has it ever been my address. Because of Experian Unlawful practices they are putting a tremendous hardship for myself and my family. I am unable to obtain gainful employment in the industry of been in for over 25 years. I am unable to obtain credit etc. They are breaking the law FCRA. If this is n't taken off my report I have an attorney ready to take my case which is cut and try. I have all supporting documents and a file XXXX feet high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal account restricted on XX/XX/21. 
I had multiple transactions being processed, in thousands of dollars, that were supposed to be sent back to my bank account. 

Paypal has frozen my accounts and won't even say what they will do with the money until 180 days are done, my money. 

Paypal is illegally holding my account and money XXXX.

Company response to consumer: Closed with explanation