BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: MS
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:
For several weeks, I have repeatedly asked Equifax XXXX XXXX XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Capitol One Mortgage claims in XX/XX/XXXX FEMA notified them that my house was now in a flood zone. Told them my house had not moved nor had the river. They did a forced-placed insurance policy for {$3000.00} a year flood insurance, due to me not providing proof of flood insurance for XX/XX/XXXX they again forced-placed flood insurance and added the cost of XX/XX/XXXX and XX/XX/XXXX coverage to my monthly payment in XX/XX/XXXX. Which doubled my monthly mortgage payment. When inquired how they determined my house had managed to move itself into a flood zone they said FEMA notified them and gave FEMA 's XXXX number to inquire myself. I contacted FEMA, who advised that my home was NOT in a flood zone. They did n't understand how Capitol One would think I was. FEMA sent me their maps showing my residence was indeed in the " XXXX ''. Provided the maps to Capitol One who said the maps were n't enough proof, regardless of the fact that the map shows its from FEMA. The required a LOMA. Asked why I had to get an amendment since their was nothing to amend due to my house NOT moving into a flood zone. They did n't care they demanded a LOMA letter before they will consider removing the forced-placed flood insurance. The LOMA takes up to 60 days to get, I filed request on XXXX/XXXX/XXXX. 
The adjusted mortgage payment did n't start until XX/XX/XXXX, I made what I know to be my normal mortgage payment on time, they refuse to credit it to my mortgage because according to them it is n't the full payment. So they have my money and are just " holding it '' Well it 's my normal mortgage payment the part I have n't paid is their insurance payment. I have n't made " my normal '' payment for XX/XX/XXXX yet because I pay on the last day of the month and they are already threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A loan modification was denied and an appeal was faxed over to the lender. Since it was n't emailed to the correct department they refused to review the request. A notice of error was submitted today requesting a copy of the guidelines listed for the denial. A 20 % reduction in P & I is not a RESPA guideline and the homeowner shows he can afford his payment without that reduction.

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 2017-05-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi B ank advertised in  XXXX   XXXX  that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new  Citi B ank checking account. The bonus will be rewarded within 90 days. I opened a checking account with  Citi i n  XXXX , deposited {$15000.00} on  XXXX   XXXX ,  XXXX . The bonus is supposed to be deposited into my account on  XXXX   XXXX ,  XXXX . I called the bank many times but as of today,  XXXX   XXXX ,  XXXX , the bonus {$400.00} was not there yet. Because I have to work as an   XXXX  for  an   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , I do n't have time to follow up on this matter. I happened to know th at Citi B ank has done the same for many others until the customers complained to CFPB, then it turned around to say they could not verify customer account, but after a few days they went ahead to pay.     M y Citi  account number is  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 2017-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Opened my Capital One credit card never was late on a payment. After I start noticing issues with my bank I still never missed a payment closed that account and opened XXXX Bank. In XX/XX/XXXX I called to make a payment and the customer service rep told me just pay out of my account and I was explaining to him I did n't want to do that with all the issues I was having and I did n't want my payment late he assured everything was ok. I went to my bank had them send a letter to Capital One verying my account and number to make the payment I call back to Capital One and I 'm told my account is closed within XXXX minutes. I have called severs times talking with managers account XXXX and collections and have gotten nowhere. I feel what they did was so wrong especially since they were aware of my issues and I asked not to try and take the payment out my account. They closed my account and has not returned my security deposit to the date. I would like a fair chance and investigation and to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: DC
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:
O  n  XXXXXX 201  7,  I  pulled my  3 in 1 cre dit report through   XXXX   - it showed that I had  XXXX  collection accounts on my Equifax report - I am not liable for these accounts. I submitted a dispute online for all  XXXX  accounts. On    XXXX    17, I  received a response on stating that these accounts were verified and are in fact mine. However, I am not liable for these accounts. Upon the direction of the communication I received from Equifax - it stated that I should file a complaint with your agency against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to obtain my annual free credit report from Experian online and received the message shown on the attachment.   I replied to the message by mail including a request for the report and information as to why I could n't get my report online.   I am attaching a copy of the credit report.com reply whichI find completely uninformative.

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 2015-08-26
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle in XX/XX/XXXX after I left the military, it cost XXXX, I did make some late payments but made those up when paying the regular payments. Total payments have me paying interest as much as the car cost as you will note on the attachments, the car was paid at XXXX and the interest paid is XXXX, that is almost XXXX paid on a XXXX vehicle XXXX was the lien holder and while in dispute with them over additional late fees that I did n't owe they sold their financials to TD auto ; I continued to make payments to them while still attempting to correct the bad accounting from XXXX. I lost my job and my apartment after they wrote off debt of XXXX. That was in XX/XX/XXXX, never getting the bad late payments cleared up with them, my mother made XXXX payments on my behalf while I lived in my car and the balance of which included bad charges from XXXX of XXXX was at XXXX. I started working saved up {$720.00} to just pay it off and be done with it as a settlement. TD Auto not only did n't want a settlement they have now added on late fees on an account they have written off of their books of XXXX more. If they can continue after profit and lossing a debt to add late fees, it will never be able to be paid, it certainly should n't be legal to do so. They could add fees in perpetuity at this rate. It appears to me to be criminal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My legal name is XXXX XXXX XXXX My physical address is XXXX XXXX XXXX XXXX, ca XXXX I am Self Employed at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, ca XXXX i need the other names, addresses and employers removed from my credit report as they are no longer 100 % true and correct. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a customer of online Bank  SIMPLE  for quite some time. Recently, they changed partner banks to  BBVA Compass . I thought transferring to the new partner bank, via SIMPLE 's web site would go smoothly as I was already an existing customer. However, there was a technical issue, which they REFUSED to disclose, which prevented my transition to   BBVA Compass.
SIMPLE instructed me to close my account with the old partner bank and when it was fully closed, to go online and open a new account, which would be with BBVA Compass.
I did that two weeks ago and never heard a thing from SIMPLE, o  nly to call them today to find out that they can not open my account, And, refuse to give a valid reason, other than, " it is a technical issue. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have already submitted a complaint and wish to add this information. SPS and or   XXXX   are complicit in committing a felony on  XXXX   XXXX   records  filing a fraudulent assignment in  XXXX  claiming  XXXX  is successor in interest to  XXXX  which has been proven a legal impossibility in my case and thousands of cases across t he US. On top  of that  XXXX   XXXX  has evidenced  one hundred  percent of the assignments she investigated in  my county ar e VOID and fraudulent.     Thank you for your complaint  XXXX  about SELECT PORTFOLIO SERVICING,  INC..     XXXX   XXXX  has certified every page.  100 percent of  the assignments on  XXXX   XXXX  records she investigated only being allowed to investigate homes not in foreclosure, all were fraudulent and VOID.   This is concealed by mayor  XXXX   XXXX  in complicit with the fraud on  XXXX   XXXX  records and most evident o n all county records in the State of  Washington.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   You can see in Exhibit A Trust Long Beach Mortgage Loan Trust  XXXX  is a faulty trust  XXXX  has been paid a settlement for  due to this trust is VOID and never existed.      XXXX   XXXX   XXXX   On   XXXX   XXXX   XXXX  , the FDIC  Board of Directors approved a se ttlement among the Receiver,  XXXX  and  XXXX , which would settle the lawsuit filed by  XXXX , the Indemnification lawsuit filed by   XXXX   and  all clai ms for indemnification made by  XXXX  against the Receiver, including  two other  lawsuits disputing  XXXX s responsibility for tax liabilities of the failed  XXXX   (   XXXX  Settlement ). In exchange for releases from  XXXX  and  XXXX , the Receiver will pay  XXXX  {$640.00 }   XXXX   in c ash in settlement of its administrative claims in the receivership and will give  XXXX  an allowed general unsecured receivership claim for {>= $1,000,000}. The  XXXX - XXXX -FDIC Settlement agreement can be found at this link :  XXXX - XXXX -FDIC Settlement agreement - PDF. SEE EXHIBIT A The  XXXX - XXXX -FDIC Settlement remains subject to judicial approval in a procedure to be filed by  XXXX  in California, and if approved, will result in the dismissal of the  four   XXXX -related actions pending in the  U.S. District Court for the District of Columbia and the appeal pending in the U.S. Court of Appeals for the District of Columbia Circuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: National Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 am filing a compliant against Credit Bureau    XXXX , on  XX/XX/XXXX  I disputed a Fraudulent account on  XXXX /   XXXX    my credit report ... thru  XXXX  &  XXXX  ,  XXXX  sent results back as verified and belonging to me, however  XXXX  deleted the account. I also sent a debt validation letter to  XXXX /  XXXX  and receive a letter stating they will be no longer collect on this account,  XXXX  has not as of  XX/XX/XXXX  removed/deleted this from my credit report.
 XXXX / XXXX  account #  XXXX  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a medical bills on my credit report who was already paid by my insurance still showing due and I start received some calls from collection agency about this debt who made some treated about this issue. I do n't have any knowledge about this issue and never received any last invoice from the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Oxford Law, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XX/XX/XXXX Oxford law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with XXXX XXXX which I do not. They disclosed I owe {$5.00}, XX/XX/XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14
Company: ESCALLATE, LLC
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A. I made payment arrangements with XXXX after a visit to the hospital that cost me {$660.00}. After making XXXX payments of {$37.00}, XXXX was not listing all my payments in their balance and stated I was behind. I requested an activity statement on more than ( XXXX ) occasion and none was provided. They sent my account to collections while in dispute for {$360.00}. I owed {$290.00}. 
B. They sent the account over to a collection agency that is affiliated with XXXX and began to add excessive fees and costs. They never attempted to reconcile the account even after I spoke to a collection agent on the phone and told them of my dispute. 
c. They have sent the account to XXXX XXXX XXXX XXXX in the amount of {$800.00} plus dollars according to the credit reporting. I have never received anything in writing from XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-05-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have send a loan modification package to shellpoint on  XXXX   2016 . all requested documents were send to the bank on time i got a response from the lend er 2  weeks ago regarding my loan modification status shellpoint had declined my loan modification because they said i have equity i have ordered an appraisal report from a lisenced appraiser value came out at  XXXX  i also odered a pay off statement from the bank and i owe {$410000.00} i have no equity please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX filed a Tax Lien, which was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien ). However, this is showing up as public record/tax lien on my credit reports. Tax collector advise to dispute with credit reporting as they are not reporting it. I am disputing this as account is paid, and tax lien should be removed as it in not accurate information reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: MLD MORTGAGE INC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a {$120000.00} fixed rate 15y mortgage with XXXX % down with The Money Store on XX/XX/XXXX. We spoke about closing XXXX/XXXX/15 but did not since the commitment was issued XX/XX/XXXX. I submitted all documents requested XXXX/XXXX/15. The contracted closing date was XXXX/XXXX/15, which they also now missed. Since submitting all my requested documents on XX/XX/XXXX, The Money Store has continued to delay the closing requesting unreasonable documents, not originally requested. Each time I submit documents, they come back with yet another request. For example, there are beneficiaries listed on my bank accounts and The Money Store demanded that I obtain a letter from the bank stating my beneficiaries can not withdraw any money from the account. Once I submitted that bank letter, then they asked that my beneficiaries sign something to the same effect. Another example is The Money Store requesting me to contact the title company I sent a wire to requesting the copy of the cashed check for the money I gave to my mother to pay the balance due on the purchase of her home XX/XX/XXXX! I have perfect credit with no debt and an annual salary of over {$100000.00}. I have plenty of cash in my Money Market account to cover the XXXX % of the purchase and to cover all closing costs, yet The Money Store continues to make these unreasonable requests delaying our closing and pushing us back beyond the contracted closing date. What rights do I have in NJ regarding this issue? The sellers of the house are looking into their legal rights since I have violated the contracted closing date due to The Money Store. I have requested an extended closing date and have yet to hear back from the sellers. The Money Store has had some management changes. I wonder if they are hoping I move onto another lender due to the benefits I reminded them about - {$1000.00} back at closing, no application fees, no commitment fees, no lender fees. Their commitment letter to me listed the fees, which is when I reminded them of the benefits listed on their own website! The loan officer said he was not aware of them and said after checking with his supervisor, it was determined I would receive those benefits at closing.

Company response to consumer: Closed with explanation