BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX filed a foreclosure complaint against me on XX/XX/XXXX and that foreclosure complaint was DISMISSED on XX/XX/XXXX, attached. We have made several complaints against XXXX & Ocwen with the CFPB in-regards to their ownership. There is no default to XXXX or Ocwen as they do not own the mortgage and/or note for our property. In XXXX of XXXX, XXXX/Ocwen prepared a settlement offer for {$260000.00}. We were approved and then later denied a home equity loan from XXXX because of title issues. We and our attorney made XXXX/Ocwen aware of XXXX issue via email. We also attempted to remediate this issue by filing a case # XXXX and a prior case # XXXX with CFPB. This matter has caused us serious hardships, please review and reopen my former complaints, along with this complaint against these agencies. 

XX/XX/XXXX XXXX reached a {$600.00} XXXX dollar settlement over charges of abusive mortgage practice and in XXXX of XXXX, around the same time we filed a complaint # XXXX with CFPB, CFPB sued Ocwen for failing borrowers throughout Mortgage Servicing Process. These agencies should be held accountable for filing a foreclosure action that was DISMISSED. If we would not of won our appeal we could of lost our home and been homeless. Please provided relief and assistance to ensure we keep our home and have them pay our attorney cost. They dont have standing and they dont have the right to foreclose. I have not been able to refinance or do anything for three years because they dont have any standing.

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 2023-12-07
Company: Factor Trust
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get a copy of my data, to freeze the account and to opt out of third party sharing. The website kept giving me an error code even though my passwords met their criteria. I tried several times with different passwords all of which met their criteria and kept getting error messages. In addition, when I tried to enter my birth year the little calculator pops up and I have to manually scroll to 1953. I have a XXXX with my hands and can not use this item on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: HOMEOWNERS FINANCIAL GROUP USA
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home from Home OwNers Financial of America in XX/XX/2022 and then refinanced it as the rates were still low and I was saving over $ XXXX monthly. Shortly after the refinance was completed, I was supposed to receive my escrow balance and overpayment of the payoff amount. It has been more than 2 months since I have received anything. They intentionally keep delaying sending our check with various excuses made. At first, they said a check will be sent out on XX/XX/2022. It never sent out. Then an email came that a check was being sent out on XX/XX/2022. It has still not arrived. This is highly unprofessional. As a provider of financial services, this is blatant action of harassment by the mortgage company to withhold our hard earned money. It has been over 3 months now. 

Loan Payoff - Loan # XXXX XXXX XXXX XXXXXXXX Homeowners Financial Group XXXX ( XXXX ) XXXX Toll Free ( XXXX ) XXXX SENT BY : E-mail Address 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 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX XXXX, Bank of America abruptly closed both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card XXXX which was issued by the same bank. 

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a 30-day late payment that was reported on my credit report in XXXX XXXX I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XXXX XXXX XXXX, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XXXX XXXX XXXX  Additionally, I proactively reached out to Bank of America by phone on XX/XX/, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ATTENTION : LATE PAYMENT In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Which means my information will remain private unless I give XXXX XXXX written instructions to make my information public ). 

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. ( I request this account to not be reported on my credit report ).

15 U.S.C 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 ( According to the Consumer report there are no such thing as late payments ).

15 USC 1681 ( a ) ( i ) 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This late payment is affecting my approval of a car and a house needed to support my family and is causing emotional and psychological and financial stress upon me and my family. Account is now closed and is paid in full. Late payments are inaccurate.

Remove the late payment or deleted the account.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following information is information excluded from the definition of CR under FCRA : ( i ) Transaction or experience information including the customers account history with a company, the length of time a customer has held a credit card with the issuer, the number of times a consumer has been late in making payments on a credit card, and the average monthly balance in a consumer account ( LATE PAYMENTs reported on my Consumer Reports are ILLEGAL ) XXXX/XXXX  XXXX  is illegal reporting late payments

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 2018-07-18
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my XXXX account was hacked and I was billed for a XXXX   XXXX, for {$590.00}. I immediately disputed the charge with Chase Bank and XXXX. However, after no investigation, where all Chase got was the statement that the billing address and shipping address matched and therefore it was a valid charge. 

I never authorized the charge and it seems like Chase did little to no investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a loan on my XXXX account of XXXX with a 5.5 % interest rate. I logged in and completed the payment on XX/XX/2023. Confirmation number of XXXX The money was taken out of my bank account on XX/XX/2023. I logged into XXXX today to see if the payment had gone through and nothing was taken out and now the total for the same loan is XXXX. I reached out to them and have not heard anything. I am extremely frustrated and should not have to pay that extra interest that was accrued because I had already made the payment. My account balance doesn't even reflect a transaction.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Account below XXXX XXXX XXXX XXXX # XXXX, Open Date XX/XX/, {$13000.00}

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 non-monetary relief
Consumer complaint received 2023-11-26
Company: DISCOVER BANK
State: TX
Product: Credit 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:
An on-line item was orderd from XXXX, and paid by Discover. 
Item was never received. XXXX  provided XXXX shipping information stating that the package was dropped off at our building during the weekend. 
The entire building complex is closed on the weekend. 
XXXX has mailed the item with regular mail. 
XXXX can not help me since I am not the sender. 
Discover is stating that I must file a claim with XXXX despite the fact that I can not. Discover it is not honoring their credit card advertising commitment ; " Discover cardmembers have a {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover Card account ''. 
After speaking with Discover customer service earlier today, I cancelled my card that I had since 2008, and they are not willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had applied for a Lease Buyout Loan from PNC Bank online on Thursday, XX/XX/XXXX and had to go to my local PNC branch on Friday, XX/XX/XXXX to complete the loan closing paperwork. The original loan was for the amount of {$29000.00} and a check to payoff the existing lease was to be mailed out overnight once the paperwork was completed by PNC Bank. 

Several weeks went by and I contacted the leasing company and they confirmed that the payoff check has not arrived. After speaking to XXXX XXXX at the PNC Branch, said that the check was sent via regular mail and not overnight, as the original PNC Loan information asked for an " Overnight Address '' to send the check. She had me sign an indemnification form before they would issue a new check, and a new check was to be overnighted again on Thursday XX/XX/XXXX. 

In contacting the leasing company, XXXX XXXX, the new check was received Friday, XX/XX/XXXX. However, between Friday XX/XX/XXXX and Friday XX/XX/XXXX, 3 weeks, I incurred interest charges on the auto loan in upwards of {$150.00} dollars, while I was not at fault as PNC was handling the payoff of the existing lease to transfer it to a PNC Loan. 

I have been emailing the local branch, calling their customer support number, and receive weekly calls every Friday between XXXX and XXXX XXXX with the representative stating they are still looking into the issue. I feel that this issue should have been resolved as it has been several months now, and nobody is making any progress on it. I feel that if the check got lost in the mail and a new one had to be reissued, and a paper had to be signed by me before reissuing a new check, that I should not be responsible for those interest charges when it was at the fault of PNC bank. 

The new check was received by XXXX XXXX on Friday XX/XX/XXXX and they released the title to PNC bank the following Monday, XX/XX/XXXX. I would find it acceptable to start charging the customer interest once the check was mailed or arrived, not while it was lost in limbo for 3 weeks. If they had given me the money to pay the lease off up front, then yes, I would find it acceptable to charge me interest, but PNC handled all of this on their end. 

I have spoke to several customer service representatives throughout the past few months and this issue is still not resolved. 

I have since traded my vehicle in as I ordered a new vehicle, so this loan should technically be paid off by the dealership at this point, or soon to be, so I should get an adjustment check back for the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX, XXXX and XX/XX/2021 I became extremely XXXX  with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a relaps and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
On two accounts on my credit report, I have late payments due to having Covid and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # 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 payment on a credit card account ur open end consumer credit plan as I purpose.

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 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief