BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 wife tried to pay Escrow shortage on line with PHH Mortgage and was unable to do so. Wife called and was told we need to sign a document to be able to pay online and they would email it to us. Rep told us there would be a {$19.00} charge to do it over the phone, rep said they would waive fee. 
Wife tried to pay mortgage online thru PHH web site and is unable to. I called on XX/XX/2021 after she printed the document and document states this is " A signed amendment to the original note is required " I asked the Rep Agent ID XXXX if there is a fee and she stated there would be no fee for a AutoPay program or Reg US Mail XXXX which is stated on page 1 of the form ), I also asked if this was an amendment to our Mortgage and she stated no but, it says " A signed amendment to the original note is required ''. 
On note amendment # 2 states can charge up to {$19.00} per payment for payment methods not specifically provided for by the note, such fees are not limited to cost of processing or making payments methods available. 
On note amendment # 3 fees may include payments over the phone with a rep, automated phone system, online, or other methods not expressly provided by note.

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 2023-02-17
Company: JPMORGAN CHASE & CO.
State: NC
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:
In accordance with the fair credit reporting act Jpmcb card acc # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We need to complaint on the company Fair Collections and Outsourcing, they are collecting on behalf XXXX XXXX, a property management company for an apartment we leased on the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

When we moved out from the apartment, the property manager told us we would receive a notice with the calculation of the charges or refunds depending on the work required to fix or clean the apartment. we never received that letter or notice so we contacted the property manager to update our new mailing address, but they said they were working on the letter. After multiple attempts to get the letter or at least an update the property manager they stop answering our calls. 

Suddenly a collection popped-up on out credit reports, a collection with Fair Collections and Outsourcing who is collecting on behalf the property management company. Since the balance is over {$6000.00} dollars, we contacted this company and requested information about the account, they were not able to tell us the reason of the {$6000.00} dollars debt, they could not explain how the property management company calculated this amount. Also, we requested an itemized statement of the debt, but the collection agency refused to send it since they mailed one already, however we never received that letter, so we asked what address they mailed it and it turns they mailed to the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX the same address where this debt is coming from, after clarifying the address to the representative he confessed they received a return mail but anyways will not send a validation/itemized statement.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: NC
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 have attempted to dispute the account noted below showing late payments. The accounts have never been late and paid on time. 

XXXX 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 2021-01-14
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from movement mortgage to Mr. Cooper mortgage and I did not have any notice of this, therefore I was continuing to pay XXXX XXXX through my bill pay with my bank account. Now XXXX XXXX is not forwarding those payments to my new loan account through Mr. Cooper, and now it has been over 60 days. 
I have tried to contact movement mortgage on numerous occasions and once I tell them the issue the call gets disconnected. I know that it is against the law for them to withhold those payments that should have been forwarded to the new mortgage company. Please help as now Mr. Cooper mortgage is showing that I am past 60 days late. 
Also I asked my bank to send the proof of my payments to movement mortgage and mr. Cooper mortgage and they have. I have tried to follow up with movement mortgage and no response. 
Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit reports from XXXX, Experian, and XXXX I have seen that my remaining balance on my auto loan is reporting inaccurately. As of XX/XX/2023, the remaining balance of my auto loan reported on all three of my credit reports is {$20000.00}. I am disputing the inaccuracy of my remaining balance.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: TX
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:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself

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 2021-01-14
Company: Thaxton Investment Corporation
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The predatory lender, Heights Finance, extended me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I own anything to levy, garnish or seize. Yet they send me an actual check in the mail. All I had to do was sign and deposit it without any other documentation or even filling out an application. Such as terms and conditions, interest rate or fee disclosures. And now they are continuing their predatory assault against me by reporting this negative information to the credit bureaus. Now they are suing me! Credit should have never been extended to me, yet it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Multiple credit card payments were reported late during the covid pandemic with no help to keep negative reporting from hitting my credit report. Was put on a parent plan and made multiple payments to keep credit card from being charged off and credit card was still charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Maximus Education, LLC dba Aidvantage
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I submitted a request in XXXX to change my income-driven repayment plan to the XXXX plan. I waited a few weeks, and after hearing nothing from Aidvantage ( not even a confirmation of my requested change ), I grew concerned. I found out XXXX that their processing time is a ludicrous XXXX business days, and that I may have even accidentally reset my time by " applying '' again when I tried to certify my income on ther website. 

I am making just above minimum wage, living paycheck to paycheck, and even after proactively trying to adjust my payments a month in advance, I'm now being punished for their incompetence and I'm obligated to pay upwards of {$400.00} per month. 

I have explored all of Aidvantage options to delay a payment, but do not qualify for any. Even if I did qualify, their processing time is so long, who knows when it would ever go through and the financial relief would actually be reflected? This system is ridiculous and poorly operated. I tried to call and reason this with someone, but after being on hold for an hour, I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: I.C. System, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
various accounts been shownn up on my credit report

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 2018-08-06
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
in XXXX  2016 I reported my card stolen ... XXXX XXXX XXXX said and I quote., the banis the victim..XXXX was taken from my card, In store camera shows the people that took my money off my card at a XXXX XXXX in XXXX ca. and I was told oh well..im XXXX  and that was my rent money..now I'm still XXXX, and I feel cheated..i was a victim of these people and no one was punished and I wasn't reimbursed..my dispute was denied 3 times when I was stole from and I feel that is wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2018-10-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have an auto loan with USAA which has fallen behind due to my husband and I having separated which AI made USAA aware of. Well I am currently pregnant and I lost my job in XXXX and it caused my auto loan payment to fall behind. I called USAA the DAY I lost my job and spoke to someone about being unemployed and I asked them I have Debt Protection for my auto loan payments while I am unemployed, They said NO although I knew I had opted inf or it. So it fell behind. In XXXX, while reviewing my account statements, I realized that debt protection payments were indeed coming out of my account so i called them back and asked why I am paying for a service that I can not use and they advised me that I actually could so that representative I spoke with gave me wrong information. So they retro paid XXXX payment. I was then told be a debt protection agent that in order to keep my benefit going I would need to submit information confirming that I am still receiving unemployment, which I was. So I submitted that info and allowed time to review and pay. I checked my statement in XXXX to find that I was two payments behind and whn I called debt protection they advised me that USAA customer service has cancelled my debt protection. I called customer service trying to find out how and why when I still qualified for the service in the first place. I was advised it was cancelled due to delinquency, which makes no sense because it is only delinquent now because it was supposed to be paid by USAA. I have had disputes put in, talked to like 3 or 4 reps and still have had no resolve, all the while all these late marks remain on my credit that I am desperately working to rebuild, my car note is still unpaid and while I have a new job I have bills to catch up on all while expecting a new baby and I am still owed two months of Debt Protection payments which would bring my account current. USAA used to be a great institution but recently their service and business practice has been TERRIBLE from every single angle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-04-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi I closed my checking account with Chime in XX/XX/2022 and I havent yet received my 1099 form for filing taxes yet I have been emailing them endlessly and every time a new customer service representative comes and give the same response that you should have receive the form by XXXX but I havent yet got the document yet I have also provided them my address proof to mail the document asap but again there is no sync with them and they are not able to provide any estimate when I would get my 1099 for tax filing. Very frustrating and bad customer service Hence I request you to help me get my 1099 form asap since deadline is nearing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Comerica
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After applying for a HELOC with Comerica Bank, they asked me to add them as an additional insured, which I did. Then I recived a notice that my application is no longer active. 

After calling the Bank, they advised me that my loan was declined. I replied to the branch manager that this is innapropriate way of notification. My loan should be declined and reasons disclosed, not make my application innactive Now I don't know why I was put on innactive, and why I was declined Additionally, I need to remove them as additional loss payee Totally innapropriate and in complete violation of Reg Beach Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation