BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: NV
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 is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as XXXX days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of XXXX days in a month of XXXX days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to annualcreditreport.com this month to obtain my free reports. For the past 4 years, Equifax has been the only CRA that refuses to grant me online access to my report. They always deny access and instruct me to request my report in writing. Again, this is the fourth consecutive year. I complained about this once before ( a couple of years ago ) to CFPB, and Equifax mailed my credit report at that time. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a negative balance of - {$2800.00} on my account and despite TEN ( yes TEN ) requests to zero out my balance, the company has not issued a check or refunded the credit to my autopay account. This is illegal, withholding money that is rightfully mine and likely profiting off the balance. This has been on-going for over 2+ weeks now with various pointless conversation to their customer service. The negative balance is a result of dispute from a cancelled cruise, where all proper documentation was already mailed to Citi.

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 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a payment through their on line application. I didnt receive a confirmation do I did the transaction again. I still didnt receive a confirmation so I did it a XXXX XXXX time. They on line banking system messed up and Im paying for it by losing interest! I now have a credit of {$10000.00} I tried to do a charge Sunday night and it was declined. I called and spoke to an agent who said it would be returned in 2-5 days. So I called AGAIN today to be told it could take up to XXXX days to get my credit back. Ive been in banking for XXXX  years so I know how electric services work. Im furious over this! I want a complaint filed against unethical practices by Bank of America Credit card!

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 2017-01-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax and my car loan company XXXX will not work with me to add XXXX back on my credit report. I disputed the late payment from XXXX we have been going back and forward about this dispute for over XXXX months and neither company is willing to do their job. I paid XXXX a month from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Complaint is about Fay Servicing and how they keep you in the dark about the status of your loan and how deceptive and unprofessional the employees are. My mortgage loan was initially with XXXX XXXX XXXX who I had been working with on a Forbearance Extension for XXXX & XX/XX/XXXX due to my financial hardship after losing my job in XXXX of XXXX due to XXXX. I had submitted an updated Loss Mitigation application along with my most recent bank statement and proof of my unemployment income on XXXX XXXX XXXX. I recieved a letter from XXXX on XX/XX/XXXX stating that my loan was being transferred to Fay Servicing effective date XX/XX/XXXX. I called XXXX on XX/XX/XXXX and spoke to XXXX who assured me that even though my loan was being transferred all documents in regards to a Forbearance Extension would be forwarded over to Fay Servicing and they would then complete the review and make a decision in regards to my options and a Forbearance Extension. It has been a nightmare eversince. On XX/XX/XXXX I spoke to XXXX who informed me that he just so happens to be my account manager. I asked XXXX if he rececived my documents from XXXX and he informed me that they just sent a letter to me with an option of XXXX XXXX.I asked him what happened to my request for XXXX XXXX which he never answered. He said how do yo expect to pay this you don't have a job. I explained to him that due to XXXX how i lost my job and XXXX had a XXXX XXXX. XXXX responded with " What Are you talking about XXXX happened a XXXX  ago. Evidently he is not aware of what is happening outside his cubicle. I asked him several times does this mean that you are declining my request for a XXXX XXXX and all he would keep saying is do want to accept the XXXX of forclosure? I repeated once again so your saying they will not do a XXXX XXXX and his final response was I did not say that. Is that want you want to do? I said yes and then XXXX said I will send out an application. At this point i am so stressed and frustrated with this company. It stems from the top and I will tell you as a professional myself who had worked as a XXXX XXXX XXXXXXXX for XXXX and at my last job business banker this company is XXXX, Deceptive and Unprofessional. They shouldn be stripped of their license and not be allowed to do business in any XXXX!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I called Chase XXXX XXXX card phone number to submit a credit card dispute. The representative had trouble understanding me and enter incorrect information on the dispute. I requested to talk to the department supervisor named " XXXX '' at their XXXX XXXX Office. I ask " XXXX '' to send me a formal chase credit card dispute application so I can put everything in writing and they will not be any misunderstanding. XXXX refused to send me such application. I asserted my right under Fair Credit Billing Act and ask XXXX to send me the application. He again refused. He said he can not send me dispute application to my address because the dispute can only be handled via phone and they can not help me with the dispute based on my verbal answers to the representative even though I told him the representative had an English accent and can not understand my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
Wells Fargo has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. listed below are the actions they have done.

1. Wells Fargo has labeled my accounts with the credit bureaus as a Account Included in Bankruptcy, account in XXXX  XXXX Bankruptcy and Loan Modified. None of this is correct and this has a major impact on my credit score.

2. Wells Fargo does not list their account as Purchased by another lender, or that they Transferred to another lender.

3. Wells Fargo list date of last payment and 1st delinquent payment as XXXX/XXXX/201. Last payment was XX/XX/2016 because account was paid off and was closed XX/XX/2016. 
Wells Fargo list the account on my credit as if it is a second mortgage.

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 2015-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I put {$300.00} on a prepaid credit card and only spent on a purchase with XXXX in the amount of {$10.00} and XXXX purchases of {$1.00} each with Silhouette. I went to use it again in 2015 and checked my balance and there was no money left on the account. There were XXXX transactions that I did not make to a XXXX XXXX XXXX in XXXX XXXX XXXX CA. I do not even live near XXXX XXXX XXXX or shop in the vicinity. I filed a complaint and sent them the receipt for the card that the XXXX 's XXXX where I purchased it in XXXX XXXX was so kind to give me. I then received a letter stating that they had no response from me and that the transactions appeared valid. They then closed my case even though I attempted to communicate with them by Fax several times. 
They have never answered any of my faxes. I have not tried to reach them recently since my husband was very ill and I was unable to deal with this problem. But I am now trying to get help to make some attempt to resolve the matter. I do n't believe the credit card company made any attempt to investigate but is just keeping the money and making it difficult to communicate with them. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I HAVE SENT IN NUMEROUS CERTIFIED MAIL TO ALL XXXX BUREAUS IN REGARDS TO IDENTITY THEFT I SENT THEM MY IDENTITY THEFT AFFADAVIT # XXXX NOTARIZED AND STAMPED I SENT IN CONSUMER FINANCIAL PROTECTION BUREAU # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Chase Auto Finance ( CAF ) is either unable or unwilling to provide accurate consistent documents and most importantly a reliable final bill. After several calls and letters, I still do not know what my outstanding charges are or if I 've received credit for all of my payments. They do not reply with any explanation. Instead, their replies are simply copies of documents already provided. In addition, during XXXX, XXXX and XXXX of 2016, CAF continued to collect lease payments even though the lease had matured in XXXX of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender keeps " holding '' our monthly payment to apply a late fee. 
payments sent through the bank or mailed always post between XX/XX/XXXX-XX/XX/XXXX regardless what day the payment was mailed on. Their investigation department took all of 5 minutes to review and determine that the payment was late and imposed the {$110.00} late fee. 
They continuously call my cell during work hours leave messages on my cell contact my husband every day to make the payment using their automated service- which they charge {$19.00} - I get 3 calls a day beginning on the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan services changed to Freedom Mortgage on XXXX. I was only notified a few days prior and was not provided a loan number to make my next payment. 

Ive contacted the company via email and chat and have been offered no help and their chat staff was not knowledgeable. 

I want to make my payment but can not and am incurring interest on the principal I want to lay down. Freedom Mortgage is basically ensuring extra interest income by withholding loan information required to make payments and I feel that is criminal.

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 2020-03-01
Company: Aqua Finance, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2019 I entered into an unsecured loan with Aqua Finance of XXXX WI for the sale and installation of an inground pool. Aqua Finance determined that I didn't have enough equity in my home to qualify for a home equity line of credit for the project so the offered an unsecured revolving line of credit. In XX/XX/2019 without my cause and without notifying me Aqua Finance placed a lien on my home in XXXX XXXX Texas. Aqua Finance still continues to report the debt as an unsecured debt to the 3 major credit bureaus despite securing the debt with real estate. The loan should have converted to home equity line of credit allowing me to deduct the interest on the interest of loan. My former spouse is still on the title of the property she was not notified of a lien or judgement placed against her interest. This lien places my former spouse and I in an economic disadvantage regarding the ownership of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Netspend Corporation
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I was sent a unsolicited pre-paid Mastercard Debit with my name on it from an organization called netSpend, XXXX XXXX XXXX, XXXX TX XXXX, supposedly associated with a bank named " XXXX '' I did not ask for or apply for this card. It appears to be a fully functioning card ( except for activation ). I do not want cards that are linked to my identity being sent out without me having applied for or requested a card. I see this as potentially putting my identity or my financial security at risk. This is a lousy practice and should not be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'M LOOKING FOR SOME ASSISTANCE WITH DEALING WITH A COUPLE OF FRAUDULENT ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT. THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE I WAS HOPING TO GET THEM REMOVED FROM MY REPORT AS SOON AS POSSIBLE BECAUSE IT'S CAUSING ME STRESS AND KEEPING ME FROM BEING ABLE TO BUY A NEW HOME.

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 2016-06-20
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( XXXX ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with XXXX response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC and I entered into a loan modification over a year ago. And have been making regular monthly payments for over a year now. However, Ocwen only choses to credit the payments it decides to deposit on the dates it decides to deposit or in some cases returns back the funds. I send a payment but they never credit it to the account. Ocwen also does not report payments that were made and credited to the account correctly or at all to to the credit agency 's. Ocwen now wants to try to foreclose on my property, but will not except payment from me. Then a new modification Ocwen sent just over a month ago, was signed and sent back with payment. Ocwen accepted the funds only to return them ten days later and file a foreclosure. 
Furthermore Ocwen since the original modification was completed over a year ago has been holding {$45000.00} in my escrow account. Two months of ecsrow is all the that can be held in an escrow account by law. Ocwen is holding over ten times that. 
Ocwen needs to credit my account the escrow overage amount of over {$40000.00}. 
Ocwen is also holding a {$10000.00} insurance claim check they refuse to endorse and mail me for Hurricane damage to my roof. Finally Ocwen is also charging me {$2300.00} a year in flood insurance I do n't need because i am not in a flood zone. And refuses to credit back the insurance payment even though Ocwen has acknowledged the property is not in a flood zone. 
I have been dealing with Ocwen for a number of years and have found them to be XXXX of the most corrupt financial institutions in the nation. I have every intention on continuing to pay my mortgage, but how can i do that if Ocwen will not except my payment. I hope to resolve this problem and the many other discrepancies on my account as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: WI
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:
Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-03-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This the RE : Account # XXXX this has been on my reports and would like this to be removed because it just not been validated correctly

Company response to consumer: Closed with explanation