BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been a member with Citibank for four ( 4 ) years with multiple products ( checking, savings and credit card ). Within these four ( 4 ) years with Citibank I have been a stellar client ; having never been late on a payment and keeping my utilization low. I was a big fan of their Double Cash Back card and recommended this card to many friends. However, Citibank has drastically reduced my credit limit from {$11000.00} to {$300.00} for no apparent reason. I received a new line of credit ( that was not a Citibank card ) that I needed to use the full balance on. My current Citi card had a {$0.00} balance. Citi reduced my limit and stated that I had 60 days to dispute/correct my credit report ; which I continuously did for those 60 days. I drastically lowered my utilization on that new card from roughly 90 % to roughly 15 % within that 60 day timeline. I have never given Citibank a reason to question my payment history or be deemed a high risk client. This lender having stripped my credit limit so drastically has me feeling stripped of a four ( 4 ) year relationship as well. Obviously I am an individual who is actually concerned with their credit score and understands its many factors. I completely understand the how the pandemic has affected others from paying their cards, however I obviously see that I am just a credit score number rather than an actual client for the past ( 4 ) years. If Citi saw any reason to be concern, could I have not been granted a " warning '' or be given 60 days to correct the balance BEFORE the credit limit dropped. This would have been done out of courtesy to save face that clients are not just another number to these institutions. I constantly stayed in touch with the representatives to keep them updated and truly build a rapport and more than once, on many different levels, I received conflicting messages that failed me as a customer from the representatives mentioning pulling from credit bureaus that differed from their correspondence. If I corrected the action within the 60 day timelines as instructed, why may I not receive my limit back? Needless to say, for those individuals who do understand that the purpose of credit is to also use it, I was punished by Citibank for doing that exact thing and paid down my utilization by over 50 % in 60 days, during the same pandemic that made you deem me a risk. I will not close the card obviously, because of the credit history, but no worries Citibank, I have removed all my other products from your institution.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with XXXX XXXX. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Loan were charge off, went to collection ... had settle in full with collection but original collector continue to report after settlement. ITs not accurate report, please remove/delete loan from credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When the Public Service Loan Forgiveness ( PSLF ) program was announced, I called my loan servicer Nelnet immediately ( XX/XX/2008 ) to find out more information about this program and to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. 
I was assured by Nelnet staff that my loan type XXXX XXXX XXXX XXXX ( XXXX ) and Graduate repayment plan were eligible for the PSLF plan. They specifically told me I did not have to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program '' they explained. They stressed most importantly that I had to make all my payment on time. 
I told Nelnet specifically that I wanted to be sure I was eligible under the PSLF program as I am employed by the local government. They assured me that working for a local government would qualify for this program and not to worry.

After completing all 120 payments on time and staying employed by the local government for 10 years I submitted my verification form and notified Nelnet that I was ready to submit my final paper work for the PSLF program. The servicer said everything looked great and I should be fine. After inquiring again into this matter to double check that I wasnt missing anything, a person came on the phone and informed me that NONE of my payments qualified for the PSLF program. I found out that I was given incredibly incorrect information by Nelnet the entire time. I requested to speak to a manager or someone with authority and was passed around to a person who  admitted to the error and said they could do nothing to correct this. 
During this entire time in my repayment period, I called several times to continuously ask them to make a note in my account to record and note that I had called and confirm that I was on the right path for the PSLF program, they always assured me they did this. After paying these loans on time for the past 10 years ( as I was told to ) under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest to {$44000.00}. I feel that because I was told this information and guided by an approved servicer that all my payments should be applied to the PSLF program or at least Nelnet should provide a similar resolution for this enormous error. I've committed my life for the last 10 years ( 120 months ) to public service and several life career decisions and opportunities were passed knowing I had to maintain this status to complete this program. This error has jeopardized the financial future for family. Nelnet please do what is right and provide a solution to this matter. 

TX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I am getting approximately 10 to 15 calls from this company Credence Recourse Management. Today I got 5 calls in less than 40 minutes.. I work so I ca n't answer however all of the calls that I have received from them have never left a message in regard to why they are calling.

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 2018-03-20
Company: ASSOCIATED BANC-CORP
State: WI
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: Investigation took more than 30 days

Complaint:
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage. 

It is now reflected on my credit score and Associated Bank has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement. 

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). During their investigation, Associated Bank confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received phone call at my work phone number from Associated Credit Services phone # XXXX trying to collect debt owed to XXXX XXXX. I received this phone call while I was in meeting with my XXXX XXXX and my co-employees heard everything that was said on the phone by the debt collector. First of all this is not my debt and this company simply XXXX  the name and called me at my work phone number. I was embarrassed by the phone call and I hung up. I returned the phone call later and spoke to XXXX XXXX at Associated credit services who asked me to verify date of birth and mailing address after verification I was told that you are not the person that we are looking for. My issue is that this debt collection agency called me at my work to collect debt that was not mine. Associated collection services Inc 's collection practice should be examined, because I was harrassed and embarrassed in front of my colleagues for debt that was not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Smith & Smith Investors LTD
State: IA
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:
XXXX collections, and Hawkeye adjustment are violating my rights under the no surprise act of 2022. 

I have medical bills that out of network provider is attempting to charge me with out my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr.Cooper ( Nationstar ) is a mortgage company that services my mortgage.

There was an NSF fee charged on my account which is more than the scheduled of charges listed on their website. 

https : //www.mrcooper.com/XXXX  They are charging an NSF fee ( {$50.00} ) that is more than the legal amount allowed by the state I reside in ( Ohio ) . 

I reached out to the company to get a refund Via a chat contact on XX/XX/2022. The company representative was unwilling to discuss or refund the excess fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
I purchased a car and used America Honda Finance to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid America Honda Finance the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with America Honda Finance was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted America Honda Finance to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to America Honda Finance. After 45 days America Honda Finance hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have done multiple requests with XXXX Mortgage to consider giving some help in my HELOC loan # XXXX and after fulfilling all requirements I have been denied XXXX They are now trying to add my XXXX mortgage to my XXXX XXXX to deny me some kind of help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX opened for {$300.00} XXXX XXXX XXXX opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX I was also a victim of the Equifax data breach, XXXX XXXX XXXX XXXX data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX me and my ex wife divorced. In the divorce decree I was to take over payment of the house, and she quit claimed deeded the house over to me. We were in Chapter XXXX Bankruptcy before the divorce and I continued making the payments to the trustee and it was discharged in XXXX XXXX. I attempted to contact Ocwen Loan Services to establish a routine pay habit, Ocwen advised me they could not talk to me due to I was not on the account. I argued with them and told them of my situation and that it was a joint home loan, and my ex wife has not been seen or heard from in three years with no way to contact her, and I also told them she was incarcerated and after being released she has been anonymous to anyone. They advised I was nowhere on the account, I again advised them they were in error and asked for an address to send the payment, ( which was not late ), i sent payment which they did not accept. I have been trying to refinance the home and was pre - approved due to my discharge and being remarried and having ample income to support a refinance. I have called Ocwen over XXXX times with the same response, " we can not talk to you '', the underwriters today, XXXX/XXXX/XXXX, did a XXXX way conference call with Ocwen and witnessed the same treatment and agreed it was insane due to my credit report now showing 60 days late on the payment and it is a joint account. I again contacted Ocwen and advised them if it shows up on my credit and that it is a joint account that proves I am on it and I want the delinquency removed from my credit report, they again would not talk to me nor let me pay stating i am not on the account. Now the underwriters stated they could not approve the refinance becaus of the 60 day alleged delinquency. Please help me get this taken care of, also I see many complaints on this company for bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX the " originating '' company and they said they can't find any debt that matches the one on my credit report. they said they can't stop if it they can't find it they said their account numbers are 10 digits and this one is 8 on my credit report from some scam collection agency. 

I have had XXXX phone service and XXXX since XXXX I never had XXXX. 

XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX I filed a dispute with XXXX they change the amount from XXXX to XXXX said it was a new amount so valid. 

This is 100 percent FRAUD not my account. Please help Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/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 2015-06-17
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There has been a breach of confidentiality with the XXXX " Ocwen Loan Servicing ". 
This company that collects money, has people in XXXX who know nothing about fianancing banking, or customer service. 
Documents were received at my home yesterday that ARE CONFIDENTIAL and were in an unsealed envelope. The documents inside the envelope WERE VIEWED. I am trying very hard to get rid of this company and refiancebut that is impossible because the data and the many mortgage servicers that handled this loan IS IN COMPLETE DISSARAY. 

Also Ocwen needs to stop sendin me certified mail to my home. I am not home to receive this information, work long hours during the week and do not have time to visit the post office to pick up their XXXX. 

Bottom line this organization needs to be shut down, sued with a major law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
INDY MAC WAS MY LOAN SERVICING COMPANY FROM THE DAY I ORGANICALLY BOUGHT MY HOME BACK IN XXXX OF XXXX I HAD SIGHED TO BE IN A 3 YEAR ARM AT XXXX INTEREST RATE AT THE END OF THE THREE YEARS THEY HAD ME SIGN PAPER WORK TO GO ON A FIXED RATE OF XXXX XXXX I WAS INVOLVED IN AN ACCIDENT THAT RESULTED XXXX AND I WAS UNABLE TO WORK FOR THE PAST 4 YEARS THAT CAUSED ME TO FALL BEHIND IN MY PAYMENTS, TIRING HARD NOT TO DEFAULT IN MY MORTGAGE SINCE I HAVE XXXX MINOR CHILDREN SO I REQUESTED A MODIFICATION INDY MAC PUT ME ON A 3 MONTH TRIAL PERIOD STARTING XXXX XXXX IN THE TRIAL PERIOD INDY MAC TRANSFERRED MY LOAN AND PAYMENTS I MADE TO OCWEN. 
OCWEN CASHED MY CHECKS FOR THE NEXT XXXX PAYMENTS BUT NEVER SHOWED ANY CREDITS TOR WARS MY ACCOUNT. 
I HAVE CONTACTED THEM ABOUT THIS ISSUE A NUMEROUS TIMES THEY AVOID MY QUESTIONS AND ASK ME TO REFINANCE EVEN THOUGH THEY KNOW I AM UNEMPLOYED JUST SO THEY CAN COVER UP THE MONEY THEY TAKEN THAT THEY CAN NOT ACCOUNT FOR WHICH IS ABOUT $ XXXX.ADDED XXXX MORE YEARS ON THE LIFE OF MY LOAN I HAD MADE PAYMENT FOR 10 YEARS WITH NO DEFAULT I WAS DOWN TO 20 YEARS LEFT ON THE LIFE OF MY LOAN NOW I AM AT A 40 YEAR LOAN MAKING MY OUTSTANDING LOAN AMOUNT SIGNIFICANTLY LARGER THAN MY OUTSTANDING BALANCE AND NOT SHOWING ME WHAT THEY DID WITH THE XXXX PAYMENTS OF {$2.00} BUT REPORTING TO THE CREDIT BURIALS ABOUT LATE PAYMENT WHICH ARE FALSE SENDING ME A FALSE TAX RETURN THAT SHOW NO PAYMENTS MADE XXXX AND HALF OF XXXX. AND SHOWING THAT I AM BEHIND ON MY ESCROWS. PLEASE LET ME KNOW WHAT I CAN DO. 
THANK YOUXXXX XXXXPLEASE

Company response to consumer: Closed with explanation