BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a  XXXX   XXXX   XXXX  credit card that was being reported to all 3 credit bureaus since its opening in   XXXX  , suddenly my positive credit card payments and account were removed from Equifax about 8 months ago. Nothing is reflecting on my Equifax credit report but is showing up on  XXXX  and  XXXX .I have contacted   XXXX   (  XXXX   XXXX   XXXX  and Equifax numerous time and the credit card assures me they are reporting correctly However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my  XXXX   XXXX  is even asking them to do.   I have a valid, pays as agreed account that the credit card issuer says should be reported to Equifax as it being done with the other two bureaus and Equifax is refusing to do so, even with submitted written documentation ; no one ever authorized any change.   I need help badly with getting Equifax to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account balance owed with Wells Fargo was {$7000.00}. I called Wells Fargo to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is Wells Fargo would agree with the amount for monthly installments, he finally said that Wells Fargo approved my request to pay {$120.00} per month. When I would call Wells Fargo, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by Wells Fargo for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company on XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XXXX XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email on XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to Wells Fargo initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XXXX XXXX I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on 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 non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: IN
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:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number 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 2021-06-04
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid this account, and when I did Credit Collection Services promised they would delete it from my credit. Their own online disclosure stated the account would be deleted. It is still on my credit as a {$0.00} collection account, which is not what CCS promised at all!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 status incorrect

Complaint:
Carrington Mortgage has placed my mortgage account in credit as 1 month behind.

My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with Carrington Mortgage. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. 
My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I are going through a financial hardship we were on the Hardest Hit Funds Program with Neighborhood Housing Services of  XXXX   ( NHS ) . We were approved on  XXXX   XXXX   XXXX  and made our fist payment to  XXXX  that same day. We were instructed by o ur counselor fr om  NHS t o begin sending our mortgage contribution payments to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  begging on  XXXX   XXXX ,  XXXX . I received a notice letter on  XXXX   XXXX ,  XXXX  from   XXXX   XXXX   my servicer at the time, that my loan had been transferred t o PennyMac  effective  XXXX   XXXX   XXXX . On  XXXX / XXXX / XXXX  I received a notice of default from  PennyMac in the am ount of {$5300.00} I immediately called them to question, the representative at that time said the State was late in sending in my contribution payments but the matter would be resolved at the end of our contract with Hardest Hit Funds. Our  two year term has  expired on  XXXX   XXXX ,  XXXX  and  PennyMac is st ill requesting payments for  XXXX ,  XXXX  and  XXXX   XXXX . My  counselor  and I have sent in proof of payments made from my account to  XXXX  and from the State to  PennyMac and it clearly shows that I am not in default of any missing payments. PennyMac has responded to me that they are accurate in stating that I owe those months and if there is any dispute it should be with the State Funding Program.  I have showed them clear evidence of payments and the underwriter in care of my account says there is nothing they can do for me at this point and I have make my account current in order to avoid foreclose. This is a matter of power over the defenseless people like ourselves that the banks take advantage of. My husband and I feel hopeless and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Atlanticus Services Corporation
State: WA
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 found a delinquency on my credit report on Aspire Mastercard. I called in and they could not find my account. 

I then received a call on a delinquent amount on my account. I told the customer service agent that I tried calling in and they could not find my account. I explained I closed this card and my name changed. I have no way of using the card or account and closed it and then disputed the charges. They were to have someone call me back. No one called. 

I received another call. I then put in an online complaint ( e-mail attached ). I feel like I have been very clear on this. I closed the card, my name changed, I do not owe them any money, I have not made any purchases. Their response is very generic and they just say I can't get a new card. I do not want a new card. I need the charges researched. I think these may be fees from them not completing the closing of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Simon's Agency, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Simon 's Agency Inc. is the bill collector trying to collect on a account that was opened XX/XX/2014. they said the original account belonged to XXXX XXXX Special SVCS. I wrote several letters to the credit bureau and to Simons Agency stating that this account does not belong to me or was it opened by me. I asked for original and signed documents for this account and the Agency just send me copies of statements. I wrote several time and I keep getting the same respond. This account is only showing up on XXXX of my credit report, the other 2 bureau XXXX and XXXX has deleted and removed this account from my credit report. I would like for this account to be removed and deleted from XXXX as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Integrity Funding Ohio, LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for SCRA so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen stalled our modification in many, many ways over a span of 8 months leading to them building up ridiculous fees on their behalf. Stalling tactics included : lack of instructions for filling out their paperwork, lack of instruction by phone for their paperwork, when asked several times, the changing of case representatives to make it more of a hassle when you talk to someone, dragging their feet after paperwork is turned in ( months ) just to then be informed there 's an error. The list goes on!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Synovus Bank
State: TX
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:
This account was set for paperless billing ( Electronic Delivery of Statements ). 

The electronic statements on the First Page specify that there will be a notice on the front of the statement prior to the annual fee being charged. There was no " front '' on the electronic statement, and thus no notice for electronic statements. 

The letter attached was sent with proof of delivery to ensure that they would close the account in a timely manner. 

This account currently has a balance due of {$21.00} due to the {$29.00} Membership Fee Charged XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Medical Data Systems, 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:
A collection account has reappeared on my credit report after previous being disputed and removed account has reappeared with another collection company name I have never had any contact, communication or contract with this company

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 2017-08-31
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX I called Ability Recovery Services LLC and set up weekly payment arrangements with XXXX XXXX. He told me that because I responded to the debt so quickly, that it would not be reported to credit reporting agencies. I repeated this back to him to verify that the debt would not show up on my credit report. On XX/XX/XXXX this debt showed up on my credit report. I immediately called ARS and spoke to supervisor XXXX XXXX who told me that was no their policy and there was nothing he could do. He advised me that he would go back and listen to the tapes but it wo n't change anything. I pay them {$200.00} a month from a {$1300.00} a month salary to get this debt taken care of as soon as possible. My credit score dropped 4 points because of this. XXXX XXXX told me if the debt is n't paid in 30 days, they report it, which I was never told. I 'm trying to repair my credit and would have tried to make arrangements to pay in full had I known this. Not happy about the lies. Poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX 2017 after receiving numerous robo calls for collection of past fees I asked to pay my balance in full and to close the account. I paid {$86.00} and was transferred to another dept to close the account. Two weeks later I was sent a bill for {$38.00}. After calling their customer service they said it was paid late and I owe. I stated that I was on their recorded line and I asked to pay bill in full and to close account.They said their employee was n't authorized to make that statement.I asked for a written explanation and was told they do not have to provide a written explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections company,  XXXX . Now, both are appearing on my credit report and  XXXX  is mis-representing the date the account was open. The open date should have been  XXXX / XXXX /  XXXX   but they are claiming it was open in  XXXX . They are also reporting that I missed a payment in  XXXX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: OH
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:
The company was requested to investigate issues on my consumer report. Said company claimed they investigated the issue, however I was not provided with the proper paperwork to confirm the issues were indeed investigated. After receiving a letter claiming the information was investigated and accurate, they later removed some of the inaccurate information which they have been falsely reporting on my consumer report for a year.

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 2022-03-02
Company: CITIBANK, N.A.
State: AZ
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:
My credit card was charged for things I did not purchase. A large number of the charges are listed as being from XXXX. I don't have an XXXX XXXX account. In fact, I have no payment arrangement with XXXX whatsoever. I called the number listed for XXXX several times, but each time, either it says call back, or puts me into a phone tree. The phone tree always returns me to the a menu I have been on before. In other words, it puts me in an infinite loop. No wonder the original address of XXXX Headquarters was 1Infinite Loop. 

Another charge was from XXXX. I don't even own a a XXXX. 

There is also a billing for XXXX XXXX. I did originally subscribe to XXXX XXXX, but quickly rescinded my subscription. 

When I disputed these charges, I got a message saying they would contact me if they needed additional information. Of course they never contacted me. Finally they said the dispute had been resolved by refunding XXXX dollars and some cents on the XXXX billing of {$42.00}, {$26.00}, and {$10.00}.

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 2018-03-28
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
so ... here is some fraudulent paperwork I have asked the company about but to no avail do I get an answer ... no ... you can clearly see XXXX set of papers no scribble scratch on top left corner ... clearly endorsed by decision one mortgage ... these are from XXXX ... next set..some scribble scratch top left corner ... certified true copy ... its says ... no readable name ... no date ... and clearly decision ones signature disappears ... these are from XXXX ... next set ... clearly top left ... scribble scratch has disappeared ... and clearly decision ones signature appears again ... this is XXXX ... decision one has been put of business since XXXX ... .this is clearly wrong!!! looks to me like someone is made up papers to get my home with!!! i have more too ... let me get answers on this first ... thank you!! and this stuff is now going out everywhere bc the company will not answer me!!! I tried

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Financial Data Systems
State: NC
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:
Financial Data continues to report a collec tion account from   XXXX   XXXX   on my credit report that does not belong to me. The account belongs to my son, who has the same name as me. I recently filed a complaint against  Financial Data because they would not remove this account from my credit report. They responded w ith a copy of the contract, stating the account belonged to me. However, in contrast, the very document they supplied displayed my son 's drivers license number and signature ; not mine! I called  Financial Data a nd spoke to a guy named  XXXX , who claimed to be a supervisor. He did n't seem to care that they were reporting my son 's account on my credit report. He told me the only way they would take the account off my report is if I paid them {$450.00} for an account that does n't even belong 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 explanation