BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX or XXXX of XXXX our mortgage account was sold to another company ( PHH Mortgage/Financial ). The Original loan with Ocwen Mortgage was for {$130000.00}. Around XXXX we went through a modification due to financial hardship, which raised our balance to {$150000.00}. The current balance is almost {$30000.00} ( {$180000.00} ) more than the original loan. We have requested the original documents for the loan, and the modification documents with amounts. The company have not sent the documents as of yet, which has been over several months ago. 

We became aware of this issue in XXXX when we were wanting to seek refinancing and lowering our current mortgage payment and viewed our credit report. On the report it had two amounts for a balance {$130000.00} and {$180000.00}. 

We are seeking assistance to understand the grave discrepancy in the two amounts and to seek guidance with dealing with the mortgage company to remedy this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Prestige Financial Services has been constantly calling me, threatening me and harassing me at my place of employment. I 've received calls from them on the following dates below : XXXX XXXX, XXXX ( 2 times ) XXXX XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I 'm making payment of the vehicle as scheduled but for so me reason, they representatives do n't communicate with each other on the status of my account so they take turns randomly calling and harassing me. This is causing me to be unproductive at work due to the constant harassment from them. They should NOT be calling me and harrassing me with threatening phone calls at my place of employment I need it to stop immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: AZ
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 already addressed XXXX 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance Owed : {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Square Inc owns a company called " Cashapp '' i have been using for a few years now. i recently received payments for a vacation my friends and i are taking. in total i received XXXX, on XX/XX/XXXX and XX/XX/XXXX i elected to cash out my funds to my bank account. the money moved to pending and said id have it available by friday. friday came and the funds were still not added yet. by saturday they had moved the day i should have access to tuesday XX/XX/2019. when i checked this morning it said that they closed my account and the reason for closing wasnt very specific and then when i looked at the section i was told to refer to none of it matched why my account should be closed. none the less the funds were still stuck in pending status. on the app it told me to use a different debit card since the one on file was being blocked for some reason. i tried using 2 other cards and both were still blocked. i contacted customer service ( they dont allow you to talk over the phone with anyone ) so i sent an email, every email i sent i got the same automated response. regardless of them closing my account ( which makes no sense ) i should still be able to be returned my funds and so far i havent seen anyway. i looked online and over 1000 people were dealing with the same issue. Cashapp is scamming people and they need to be stopped. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX Last reported XX/XX/2019 {$250.00} Open balance XXXX  XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Duvera Billing Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft while living in XXXX, Virginia. On or around this time, an account was opened in my name with a company called DUVERA. This original loan amount was {$2400.00}, and has now climbed up to {$7600.00}. I didn't notice this account until it came up on my credit report. After I was aware of this fraudulent account, I called the credit reporting agency and was told to contact the company at the number listed in the credit report, which I did. This was after I disputed the account with XXXX. They argued with me that the account was in fact mine and there was nothing I could do but pay for this account that I have no knowledge of. At this point, I have done everything that I know to do and i still have this on my credit report. Any assistance that you could give would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Ad Astra Recovery Services Inc
State: MS
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:
Unfortunately, I am a victim of identity theft. I was robbed a few years ago and the perpetrator took my car, wallet, and phone. Inside my wallet included my cards, license, social, etc. Since that horrible incident happened there has been several fraudulent accounts opened in my name. My credit report reveals credit cards, a car loan, apartment collections, and addresses I have never resided at and the list goes on. This is so frustrating. Can you please help me remove delinquent accounts that are not mine. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a complaint on CFPB that Bank of America reported a hard inquiry on my credit file without my consent. Bank of America decided to remove the hard inquiry in question, except they never actually did! It 's been 2 months since they sent me the letter stating they would remove the inquiry, but as of today 's report, the inquiry has not been removed.

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 2017-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 recently received a letter dated XXXX XXXX 2017 from Capital One stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite Capital One 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite Capital One 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the Capital One department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Problem is keeping up with what 's going on in my account. I go into my account using mobile banking and some transactions are a certain way then, I go back in about 3 hours to a day later even and the transactions are in totaly different order. My payroll deposit went in on a Friday morning around XXXX XXXX I went in my account on Saturday around XXXX XXXX  and it was showing that my check had n't even got my account and all the transactions I had made had all been placed in a negative overdrawn status. I 'm completely breaking down at work when I saw this. I call my manager asking him why the company took back my payroll check. He looked in his account with XXXX XXXX and his was fully processed and deposited. Keeping in mind that just Friday at XXXX XXXX my check had been fully deposited not in processing status. My whole bank sheet was in a sea of t red colored disarray!!!! I wanted to order lunch from my favorite Chinese restaurant and could not. I screen shot a picture of my account on my phone and you could clearly see my payroll check was gone and all, ALL my transactions had been put in negative status!! This is n't the first time this has happened. I ca n't even keep a good record because Everytime I go in to check my account there are different transactions in places where they were not an hour or day before when I checked!!!

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 2019-11-20
Company: Phoenix Financial Services LLC
State: CO
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:
The company did a report to my credit a medical bills with no reason because I have insurance and they didnt charge to my insurance or send the bill to me before, when the insurance already paid the bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was furloughed during the pandemic and applied for forbearance from my loan servicer in early 2020. I was not advised that I would be responsible for repaying the entire past-due amount after the forbearance period. I have contacted the servicer and requested options to repay the balance over time, I have offered some lump sum payments and have been denied without any resolution except selling my home or foreclosure. My loan is with a private lender which seems to have no intention of working with me. In my latest appeal, I offered to pay XXXX of the XXXX that of the forbearance amount. This offer was declined without any other offer to help us. This seems unfair and I know that government-backed loans are receiving better treatment. I am only asking for time for my income to return and to raise cash to pay this unexpected balloon payment.

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 2017-10-23
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: Old information reappears or never goes away

Complaint:
Would like my Equifax and XXXX reports update to show only 1 hard injurie not 9 old hard inquires same compsny over as does my XXXX XXXX  report on XXXX 2017 showing only 1.and updating my length of new credit all positive length of time over 5 months.thank you for your time.XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Florida XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$370.00} XX/XX/XXXX, {$940.00} XX/XX/XXXX, {$290.00} XX/XX/XXXX. I DO NOT!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to the Department of Education/XXXXAidvantage in regards to the incorrect, damaging late payments on my student loans that antler being reported as accurate to the credit bureaus. These late payments were reported for a 2 month time span between XX/XX/XXXX and XX/XX/XXXX. To my knowledge and per the agreement with the loan companies, it had been established with the loan provider that my student loan payments were under deferment during this time. I have never received a notice and/or alert that these accounts would be in a derogatory status. Had I been properly notified in a timely manner, I assure you I would have been able to contact the loan provider and make the proper arrangement to continue satisfactory account status. According to the FCRA, there is no rule or statute preventing an update to the derogatory payment status. I have not been able to come to a resolution regarding my student loans and request that the last payments are updated according to the agreement in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with over $ XXXX with XXXX XXXX  XXXX. 
I tried to transfer the funds out of XXXX to XXXX. I attempted this online but was advised that transfers above $ XXXX require a phone call. 
I called at XXXX PST to request the transfer. The agent took my information and said she submitted the request. 

I checked at XXXX pst and the transfer has not been scheduled. A XXXX  agent advises that it make take 1-3 business days for an outgoing transfer. 

I find this to be unacceptable. Neither XXXX or XXXX have this type of delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on the XX/XX/2019 I went to the wells fargo XXXX XXXX XXXX XXXX XXXX  florida XXXX and requested to withdraw {$250.00} from the ATM, which I never received, next I call the customer service and put the claim number XXXX, I told them to revise the footage because I never received the money, they gave me a provisional credit, then on the XX/XX/2019 they denied the claim and debit the money from my account saying that there was not a misdispense on the ATM, that I took the money after 29 seconds, I never took the money and that's why I insisted to check the footage, I don't know if It took longer that normally does and when the money came out the car behind me took it. I'm a very honest person and I have never had any ATM claims with them in the past

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 2017-06-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been disputing this collection since  XXXX  and beyond and collection company has been reporting negatives to  XXXX    XXXX   and  XXXX . This debt collection belongs to my dad  XXXX   XXXX   XXXX  in which he filed a Bankruptcy chapter  XXXX  on  XXXX   XXXX  in  Federal Court and it was discharged  on  XXXX   XXXX . The amount of {$3700.00} has been terminated in Bankruptcy chapter   XXXX  ..The Bankruptcy chapter  XXXX  file case number is  XXXX . I am a single mom with  XXXX  children can not afford to pay debt or have any negatives on my credit report..Please contact my dad for any information on  XXXX   XXXX  Apartment debt in  XXXX  california  .This debt is al so on my mom  XXXX   XXXX  and my sister  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 2017-10-23
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX I paid {$190.00} to XXXX by Postal Money Order and have call them month after month to remove this from my credit report and it still shows and they keep telling me that it should not be on there. This has been going on since XX/XX/XXXX every month they tell me it 's not on there and they have requested from XXXX XXXX XXXX XXXX to remove it but nothing. 

The information show collections in XX/XX/XXXX is wrong

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XXXX XXXX Equifax published a derogatory mark on my credit for {$1400.00}. 
I tried to applied for credit card on XX/XX/XXXX of 2019. I got declined because of the dergatory mark. My credit score is really low. I can't do nothing to boast it up. I dispute with Equifax 3 different times. I got declined all 3 times. I faxed them my Id and social security on XX/XX/2019. I called back a week later and nothing they said they didn't get my file. So I'm trying really hard to get this off of my credit report. I dispute with other credit bureaus and got it all off. The only one I can't get it off of is Equifax. They are very lazy.

Company response to consumer: Closed with explanation