BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On  X/X/17    i received a notice from credit karma that my score had dropped  XXXX  points from information provided by  Barclay  bank. Considering that i had  XXXX  accounts in excellent standing which  XXXX  forced me to close because they had suddenly slashed my credit lines to make it look like i was maxxing out my cards which i was not, the way they have reported has caused massive damage to my scores. After i paid the balance in full on all accounts and closed them they then posted interested charges so it shows accounts closed and with balances.It also appears that they have not reported the accounts closed by my request, They are also reporting balances to  XXXX  that do not exist. I have repeatedly return calls from their office of the president to no avail. I have attached screen clips from information appearing on my report from credit karma as well as information clipped right off of the  Barclay card website showing the contradictions. The excessive inquiries by Barclays h as also been clipped and submitted in a prior complaint. I have also contacted the House Banking  Committee  to report ho w Barclays has treated me and they requested complaints on record with CFPB. It is very disturbing that Barclays would launch an ass ault on my credit where i was an excellent customer with them.

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 2017-05-10
Company: CITIBANK, N.A.
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:
XXXX   XXXX   XXXX  bought a debt fro m Citibank Best B uy which was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in  2015 . Now  XXXX   XXXX   XXXX  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: ENCORE CAPITAL GROUP INC.
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:
MCM purchased debts fro m    XXXX   XXXX   XXXX   which in   XXXX   both debts were disputed for Fraud, a relative of my husband opened them without my permission. MCM bought the debts in  XXXX  and I have disputed both accounts .I provided MCM a FTC Identity Theft Report and requested them to dispute the accounts through   XXXX   XXXX     .
I am a victim of Ident  ity Theft, this debts are not mine!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10
Company: BARCLAYS BANK DELAWARE
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:
XXXX  bought in  XXXX  an Identity Theft debt from Barclays Bank which was disputed in   XXXX  , Barclays had already removed it from CRA and then started to report it again. I have disputed the account through  XXXX  but they have not yet mailed me the requested documents.  Barclays say s the account belongs to  XXXX , I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX and Chase heavily advertised that any airline tickets purchased through XXXX would come with XXXX free checked bag. At check on, I was charged a {$25.00} baggage fee and was told by the person at the counter that this was just what happened. I anticipate that this will happen at each of the XXXX legs of the particular trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for & was told {$500.00} is required to start the apllication process for a mortage through Chase Bank. I paid the {$500.00} & called back to start the process after gathering my documents for submission, due to questions before mailing my documents & was told, I have to find a property before being approved. How do I know what price range to shop in? That is NOT what was conveyed when my {$500.00} taken. This mortgage is contingent upon me selling my home, which is currently on the market. When I purchased my first home, I did not have to pay an application fee. My mother has had XXXX XXXX & is now living with me which is reason prompting a search for a larger home. Her accounts are also through CHASE & at this time, we are discussing gradually closing our accounts. I specifically recapped that once I paid the {$500.00} that we can move forward, and was told yes. I am VERY dessatisfied with this process & would like answers. I will also file complaints with the other relative agencies as well. I was discouraged from sending my documents in & in fact, was stopped from compleing my sentence.Thank you for taking the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: MO
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:
On  XXXX   XXXX  I dispute d 2 common wealth accounts that was listed on my Experian report In which one account was rem oved but the other remained. I send the validation letter with a return receipt to make sure it was received. I have no knowledge or record of the common wealth account being reported on my report. I have disputed this unknown medical account with the reporting collection agent and havd no valid response. I requested for physical proof of verification to this alleged account that is being reported on my credit report.

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 2015-04-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN LOAN SERVICING , LLC IS COMMITING FRAUD BY INCREASING MY MONTHLY MORTGAGE PAYMENT FROM {$1400.00} TO {$5200.00} PER MONTH. I AM BEING ASKED TO PAY THIS PAYMENT ON XXXX/XXXX/15. IF I DO NOT PAY, MY HOME WILL BE FORECLOSED ON. SEE ATTACHED FRAUDULENT ESCROW ANALYSIS. I complained on XXXX/XXXX/15 to XXXX, ID XXXX and XXXX ID XXXX but no result. was promised by XXXX that he would call me in XXXX to XXXX business days but neither him or anyone else from Ocwen has contacted me. He acknowledged that the escrow analysis was incorrect as it reflected disbursements of {$50000.00} instead of {$7800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've sent several letter asking the company to send proof that the account belongs to me and I still have n't received anything from the company and they are still reporting to the credit bureaus

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 2022-04-18
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2015 someone opened a car loan with Credit Acceptance under my name. I have disputed this several times for all credit bureaus and through them. They only removed it from my XXXX and it was agreed to be removed from XXXX and XXXX as well years ago. This has caused my credit to go to XXXX! I never had a car, they dont even know where the car is and I never got this 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 monetary relief
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was calling in to the credit card company, to make a phone payment for  XXXX   2017 , as I do every month. The voice message informed me, before I could even make payment, that I was charged a {$25.00} late fee on  XXXX / XXXX / 17  ( for no payment made ) and now I owe, as of when I made call on  XXXX / XXXX / 17 , {$84.00} for month of  XXXX  and {$100.00} for current month of  XXXX . I then reached out to representative this evening to ask why I was charged a late fee for  XXXX  and expected to m ake x2  payments now ( for  XXXX  &  XXXX   ),  when I made {$100.00} payment on  XXXX / XXXX / 17  for the month of  XXXX .  (  Mind you, I also made {$100.00} payment on  XXXX / XXXX / 17 , so  XXXX  was paid up as well ) .The  XXXX  representative told me that since my payments are due on the  XXXX  of every month, I paid my  XXXX  bill too soon so it does n't count towards my  XXXX  bill and since there was no other payment made closer to the  XXXX , it was considered no payment made, I was considered delinquent in payment and now I owe for both  XXXX  and  XXXX  with late fee. This is crazy to be penalized for an early payment made during the month a payment is due. I closed this account some time ago and I am just making payments until balance is zero. It just seems like the bank is taking advantage of paying consumers. I have not yet made my  XXXX  payment. This is so very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Couch Lambert LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously paid a collection account that was originally a stolen account. XXXX XXXX found the stolen transactions and removed {$27000.00} worth of unauthorized charges from the collection account. There were still about XXXX worth of charges remaining and I agreed to pay the remaining balance in full to finally end a three year issue. 

Counch & Lambert , LLC is responsible for the account and agreed to send me a " PAID IN FULL '' letter once the account was paid ( the representative told me on their recorded line ). I have not received a paid in full letter yet and would like to have it ASAP. 

Do not reply back to this complaint with a copy/paste of my last complaints. Simply reply with the paid in full letter as PROMISED on a recorded line for records of this invalid collection account your company attempted to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Colony Brands, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Swiss Colony  has been a thorn in my  XXXX . This company have sold the original account under my name and social security number to a collection company called  XXXX . I have complaint on  Swiss Colony  many times about the account is not mine and I have went through the credit agencies as far as placing a fraudulent alert on my credit files b ecause of Swiss Colony not believing me. Now   XXXX    have written me a letter to collect a debt for Swiss Colony but Swiss Colony still ha ve this account open on my credit files as of today. Okay, my mother have paid this account for me. On the letter from  XXXX , they mentioned that I can pay a discount of 50 % of the asking pric e Swiss Colony is asking for which is {$130.00} and 50 % of that is {$68.00}, paid. My mom paid it for me on the    XXXX / XXXX / 2017  with her bank card  XXXX   XXXX . I had received a letter from  XXXX  on the  XXXX / XXXX / 2017 . My mom paid the 50 % for me  so Swiss Colony can closed the account, but they never did. Swiss Colony still have this account current and open a fter they have sold the account to  XXXX . Also, I have disputed Swiss Colony account before the collection agency brought the account and Swiss colony still have not place the statement on my credit files that I have disputed the account by asking them to provide any information under my name and social security number to validity of the debt that I owe to them . Swiss Colony knows that  the debt is paid and they still have the account open and current on my credit files. If they dont delete their entry from all my credit files I will take them to small claim court. I have proof of everything that could have them pay me for their lack of communications and lack of their actions to clear this situation/matter up.  XXXX  have proof th at Swiss Colony debt under my name and social security number is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I 'm trying to apply for a mortgage loan but  XXXX  score is missing in my tradeline. I called the company and I was told it would take a month to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 contacted the credit reporting agencies on  XXXX / XXXX / 2017 , by mail. As required by law they still have not responded my to request

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 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion continues to lower my score from XXXX to now XXXX and I have paid all creditors off and or timely the last year. I have now new collections and a mortgage farmed my mortgage out to XXXX companies last year whic didn't do soft rather hard pulls which was detrimental as well. 
They dropped me XXXX points due to my XXXX at 50 % available yet I pay the card off monthly in being cycles.

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 2017-03-29
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to CFPB XXXX for a history of the case which I thought was resolved when my mortgage provider, OCWEN sent me documented correspondence acknowledging approval of my request for a loan modification on XX/XX/2017. 

Now OCWEN is reneging on their approval of my loan modification in which they accepted and received trial payment funds in the amount of XXXX on XX/XX/2017. On page XXXX of the new loan modification agreement it clearly states the funds received on XX/XX/2017 were applied to the account for the XX/XX/2017 payment and the next payment is not due until XX/XX/2017 OCWEN is now saying I owe them a payment of XXXX for XX/XX/2017 when clearly the document I am attaching refutes this. They never contacted me nor provided written documentation to support their claim therefore I am not liable for any payment in XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On   XXXX   XXXX   I noticed an increase on my mortgage payments and I did n't know why. I called and called many times to  Ocwen  to explain to me why was there an increase on my monthly mortgage payments. To no avail I stopped making my mortgage payments because they were n't affordable due to the increase. On   XXXX   XXXX   XXXX   there was an event conducted by Ocwen to help homeowners that are struggling with their mortgage payments so I attended to this event and spoke to Ocwen face to face and explained to them that I wanted an explanation to why my payment increased and also wanted a modification to lower my payments. The representative that I spoke to that day said that they were n't going to be able to do much for me because i 'm paying a lot of property taxes and that I had to work with my property tax assessors office to see why my property taxes are high. So I went with my to the assessors office and explained to them what my mortgage company had said about my property taxes and they could not figure out why Ocwen said what they said, that there was no increase on the property. At this point I felt confused, So I submitted all of my paper work for a modification and I was denied due to my account being delinquent more than 90 days and second they could not achieve a 20 % of the payment reduction. I was late due to my payment increased and could not get an answer to why my payments increased. And that these decisions were made my the investors g uidelines. So then I went to seek help from a Hud counselor to see what they can do for me. My Hud counselo  XXXX  started making phone calls to  Ocwen  until she figured out why there was an increase to my payments becuase something was n't adding up, until she was trans ferred to department to department she finally got someone that was able to help her. We were explained the reason why the increase and it was due to me having two parcels in one lot. We both looked at each other confused like what we never heard such thing. So we said okay and we ended up calling our tax assessors office to confirm abou t the  XXXX  parcels. One parcel was mine  XXXX  and the second  one   XXXX  belonged to my neighbor. So all along Ocwen was having me pay my neighbors property taxes and no one at Ocwen had the nerve to correct this error. This was the reason why my payments increased. So we called  Ocwen  again and explained to them about the situation that they made was a huge error on their part and that it needed to be fixed right away. My property will be in default soon due to this error and they have failed to provide me with an accurate and reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I appiled for a loan modification 2 years ago with my old mortgage company. I needed help and made that clear to them. I even had help from a XXXX party loan modification company. After going through every hoop imaginable with my lender, at the final stage of my approval process, they send me a letter stating my loan has been sold to another company and that I 'd have to reapply, for the XXXX time, for a loan modification with my new lender, Ocwen. 
Very discouraged, to say the least, I applied all over again with Ocwen, and had to deal with even more hoops to get my loan modification approved. After another year of sending in documents and dealing with countless Ocwen customer service reps and conselors in XXXX, at the very last stage for approval, I was sent another letter stating " the owner of my loan has fullfilled their quota for loan modifications and I am now denied. " I felt like I got royalIy screwed, again, and there 's nothing I could do about it. I could n't beleive this happened to me again!

Company response to consumer: Closed with explanation