BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-06
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We need our : YEAR END TAX STATEMENT. We have not received it yet, from Roundpoint Mortgage Servicing Corporation. 
We called on XXXX/XXXX/16, We were told : in 3 business days, but we did not receive anything. We called again on XXXX/XXXX/16, left and message to be called back but never received a call. We called again on XXXX. XXXX, 2016. In desperation, we tried to set up an online account and were absolutely unable to do so. We also sent a certified letter a few days ago.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Current information that is on my credit report is not validate and need to be updated. I currently XXXX and this incorrect information is causing a lot of stress on my behalf.

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 2017-04-16
Company: JDJ Investments, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX and XXXX are both reporting a balance totaling {$2100.00} despite being the SAME company, this is not ethical reporting. XXXX is reporting on behalf of XXXX in the amount of {$1000.00} while XXXX hired a second organization reporting the same dollar amount. In addition, the items in the employment contract were NOT provided however, 5 years after by 6 week employment, XXXX reported an outstanding balance to 2 separate collection companies. These items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: TX
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:
These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX  XXXX # 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 explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
I have asked 3 credit bureaus and creditors reporting negative accounts for all original signed documents associated with the information of all accounts that all 3 are reporting.I haven't disputed the accounts as not mine. Ive corresponded with them trying to receive copies of my accounts reporting negatively so that I can have all the information I need. All 3 credit bureaus and the creditors have not sent me the documents I have requested since XXXX of 2020.

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 2016-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they call me two or three times a day. they already have a judgement that they cant collect on because i am on social security. i tried to resolve this debt yeas ago but they woudnt help then. i am ill nd these calls are very stressfu.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Experian Information Solutions 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:
Hello, As you can see from my previous complaint - I simply asked Experian, XXXX and XXXX to update my loans/credit cards as paid in full. Without my consent, Experian has removed XXXX XXXXXXXX XXXX which reflects my credit worthiness to other bureaus as showing I am able to pay in full. Im not understanding why these bureaus exist if they never do anything right. I find myself filing a complaint at least 3 times a year. Im also not understanding why they would think its a great idea to remove a file that shows someone credit worthiness. In addition, Im certainly not understanding why they remove items without the consumers consent. 

I repeat : I never gave them permission nor did they have my consent to remove XXXX XXXX XXXX. I simply wanted them to mark as paid in full and I provided the letter showing it was paid in full. My request was simple and straightforward. Im not sure how they can misunderstand such a simple request, and its written. No where in the comments did I say remove. I simply asked for an update regarding payment status.

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 2015-06-11
Company: ERC
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:
THIS DEBT IS NOT OWNED BY ME. I HAVE BEEN A CLIENT OF XXXX SINCE XX/XX/XXXX AND HAVE THE SAME PHONE NUMBER REGISTERED WITH XXXX. I WOULD NEVER CONTRACT TO XXXX AS I DISLIKE THE SERVICE AND HAVE NOT FORGOTTEN MY XXXX EXPERIENCE WITH THAT COMPANY IN XX/XX/XXXX. PLEASE PROVIDE FULL VALIDATION FOR THIS ACCOUNT ; SIGNED CONTRACTUAL AGREEMENT ; WHERE THE ACCOUNT WAS OPENDED ; HOW IT WAS OPENED ; HOW THE SERVICE CHARGES WAS PAID ETC.,

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 2017-02-10
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I entered into agreement with Commenity Bank ( XXXX ) wherein I had equal payments for 4 years. I was a three days late in XX/XX/XXXX. I rectified that and brought the account to current. The next two months I made a little more than the payment due. Today I received a call demanding I bring my account current and make an immediate payment ( acct no longer late ). When I called Commenity Bank, I was told that the card is " a revolving account '' and a " promotional APR account ''. The late fee ( s ) are applied to teh revolving acct first, then the remaining is applied to the other account ( mind you, it 's ONE credit card with ONE item on it ). That put me in a cycle of " catch up '' even though I was making the original, agreed payment amount. They were using money from the payment and applying it to the " late fee '' first, making my payment for the month an insufficient amount. I have never encountered anything like this before and I feel this should be looked into because I 'm sure I 'm not the only one being misled by their credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I called speedy cash to provide my bankruptcy case number, lawyer 's name and phone number the day after I filed. Speedy cash then proceeds to deduct money out of my account after this information was given. The customer rep I spoke with said she noted it into my account. I called a second time after this happen and a different rep said there was no record of the initial phone call..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: MD
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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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:
Equifax continues to report disputed unknown collection listed as XXXX XXXX which is a collection account for XXXX XXXX. This unknown collection account was immediately deleted from XXXX  and XXXX. Collection was previously listed and properly deleted from all 3 credit bureaus when listed with a different collection company 3 months prior. Equifax continues to verify and list this unknown collection account and fails to verify the collection as requested and required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2017-08-25
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
frost Arnett is attempting to collect a debt with out sending validation, the invoices sent do not have any information that is correct nor do they have my signature. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I  do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Avadyne Health Holdings, Inc
State: TX
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 account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX my husband and I, jointly, refinanced our home through Ocwen Financial Corporation. In XXXX we filed a Chapter XXXX Bankruptcy confirming our mortgage through Ocwen. We were able to overcome financial difficulties and become current on our mortgage. In XXXX my husband died and I continued to pay the mortgage. I have perfect payment history. My credit history shows only the XXXX Chapter XXXX and NO PAYMENTS to Ocwen. I have called and written several times asking them to correct this issue. They have done nothing. My credit score is adversely affected by the negative reporting and I have no positive payment history because they have refused to correct the reporting. I think this is a violation of my rights as a credit consumer. I have made repeated attempts to correct this through Ocwen and the XXXX. Please let me know what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX had only XXXX mortgage that eventually ended up with Ocwen Loan Servicing. The original loan was for {$110000.00}. The XXXX late payment of 30+ days took place in 2006. Ocwen has posted the same loan XXXX, and has purposely cut off several years of payment history. Even though the loan has been paid in full, the 7-year rule applies pertaining to the posting of credit histories. All Ocwen loans must be deleted permanently, not just the duplicated items. Ocwen Loan Servicing is now being forced to sell off their servicing assets by court order that started with Federal Trade Commission sanctions. My credit is being destroyed by Ocwen Loan Servicing illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
One in applying for a mortgage modification my loan account manager told me not to make any payments while the modification was being processed meanwhile when all was said and done and the modification was granted I was told that I had to pay the entire balance that they would not except any partial payments Pretty much left me in a bind but all the payments were made and so I do n't feel like I should be penalized or it should show that I was late 30, 60 120 days etc .. I was simply doing what I was told at the time so it was my bank account manager gave me the wrong information for them aware I have just been laid off and put on XXXX and my has been going through his XXXX round of XXXX XXXX and had to be having a XXXX and so that 's why we need the modification and that 's why there was late payments. Can you please change the standing of the payments to reflect that that was not my fault that that 's what I was told to do because I 'm trying to refinance the mortgage right now so I 'm trying to fix my credit report thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Since the beginning of this year I have been applying for a remodification for my mortgage while in foreclosure status but have been denied twice by my loan servicer Ocwen. After they have moved the sale date twice as a result of my remodification application, I was informed by XXXX different people on XXXX different occasions that my property was not in foreclosure anymore, but delinquent. But the company still went ahead with their foreclosure proceedings and foreclosed on my house on XXXX XXXX. I only received a from their trustee after the proceedings occurred, and that letter was dated XXXX XXXX. I have filed a dispute with the XXXX at Ocwen for wrongful foreclosure, due to their employees willfully lying to me about not being in foreclosure, but they have denied any wrong doing, and are proceeding with the foreclosure. I live in this property with my wife and kids, and I should n't lose the when I have been falsely informed so I can lose the home. I would like to remain in the property and make my monthly mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
This is a response to an old case XXXX. 
* Ocwen has now commented fraud by signing Schedule A in modification plan * Ocwen did not answer the first response with how modification plan was delivered *Attached evidence shows Ocwen over charged a forced placed insurance over 32k in 1 1/2 years as Ocwen never showed how it was refunded besides their faked out paper work. 
*Ocwen did not show who they paid City school tax to in XXXX, XXXX, XXXX as attached shows true evidence that XXXX XXXX only chrages for school taxes. Ocwen charged me as much as the entire yearly taxes just for city school tax. 
*Trail is set for XX/XX/2017 as I have now file a counterclaim and have no attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: TN
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:
This is not a DUPLICATE report and this is not filed by a 3rd Party. 

I just reviewed my credit report and there are some Hard Inquiries that I don't recognize. The Hard Inquiries are listed below. 

XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

FLORIDA XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FLORIDA 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 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Bank of America said they ended a promotion waiving fees on savings account. They said they sent a notice but i did n't receive one. I asked that the {$20.00} in fees be refunded and they refused. I would like the {$20.00} ro be refunded to me.

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 2022-08-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX XXXXXXXX Date updated inaccurate fcra violation delete account

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 2020-09-26
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ON or about XX/XX/2020 I worked with PNC bank about an attempted charge of $ XXXX to a company " XXXX '' as well as XXXX $ XXXX payments on my debit card to food take out and delivery companies, one was XXXX. I was told about a credit by PNC 's card protections services and it would be sent to the fraud division. Wait a week and call ( can't find the number ) for results of what they found ... I waited a week and called THEY HAVE STONEWALLED ME. I can get no information to go to the police and pursue this, which I think is local. I will try to pursue this with the police but many days have gone by and I was misled about pursuing this. I have requested a complaint against PNC but get no evidence this will be done.

Company response to consumer: Closed with explanation