BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: Ocwen Financial Corporation
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:
On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fees and even when payments were made at bank. Increase of credit limits without notice

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
In XX/XX/XXXX, we stayed in XXXX to attend the XXXX XXXX. Shortly after the trip, charges from XXXX started to appear on my credit card. I immediately reported the card as compromised to Bank of America and filed a fraud claim. There were three fraudulent charges made : XX/XX/XXXX XXXX  XXXX  {$290.00} This has been refunded XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$400.00} After waiting for over a month, I called to see what happened to the two charges made by someone at the XXXX. The person on the call said the claim got stuck and he was restarting it. I waited another month and nothing happened so I called BofA back again. This time, I complained that the I was being charge interest on those charges because they were still being reported as part of my balance. I also complained that the balance reported to credit bureaus was not accurate and was affecting my credit. The person told told me she would issue an immediate credit for {$710.00} plus any interest I was charged since the fraudulent charges occurred. 

As of today, there has been no adjustments made and BofA is not taking the necessary action. They are also nearly impossible to get on the phone.

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 2021-04-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I sent a letter to Experian asking for proof of certification for the the bankruptcy listed on my file as well as all of the negative items attached to the bankruptcy and they have not done so. I know that under 605 ( b ) of the Fair Credit Reporting Act, an agency must block information within 4 business days.

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 2019-04-26
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My XXXX account was frozen today,XX/XX/XXXX, due to violations of XXXX service. The only transactions I made today are a funds transfer into my account in the amount of XXXX, a money transfer in the amount of XXXX to XXXX XXXX, this account is in the name of a friend 's father, the person requested to borrow XXXX dollars. Prior to this, a transaction in the amount of XXXX was sent to XXXX XXXX, another friend whom requested to borrow this amount.. I am not aware these transactions are a violation of XXXX terms of service, photo ID was requested which I emailed and the live chat did know anything about reason ( s ) for the freeze. The rep stated the issue was escalated and to wait 5-7 days for response. I request reasons for freeze and or it lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2022. Pnc Bank closed acct ending in XXXX. There was an existing- {$960.00} balance. To satisfy this obligation I sent a promissory note for the amount. Pnc Bank kept the note and eventually credited the account. So I thought issue was resolved. A few weeks go past and the - {$960.00} was due again. I went to the branch and they said they didn't see the note applied. However note was kept and the account balance went to {$0.00}. So as shown in pics I then sent an additional registered note and it also was kept. However, this time they already illegally closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my personal loan to barclays in full on XX/XX/XXXX. I followed up with barclays to see where my overpayment check was on XX/XX/XXXX. They said they will mail the check to me for {$730.00} for overpayment of personal loan balance on XX/XX/XXXX. I called on XX/XX/XXXX to see where my overpayment check was for {$730.00}. They said the check was sent to an old address and they will look into creating a new check to be sent to my new home address. To this day I have not received my overpayment check of {$730.00}. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclays Personal Loan Team Manager XXXX at XXXX keeps telling me the same thing that they are researching/looking into cutting a new check to be mailed to my new address. Barclays has been researching a new check for me since XX/XX/XXXX. I need help getting my overpayment check for {$730.00}. I do not understand how it can take over 5 months to issue a new check for {$730.00}. Please help. Thank you.

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 2022-04-29
Company: EQUIFAX, 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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: IL
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 have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.

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 2023-09-18
Company: EQUIFAX, INC.
State: AZ
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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I digitally deposited a government check in the amount of XXXX XXXX 

As of close of business on XX/XX/2023 they still have not given me any of the funds. 

Upon calling them they refuse to recognize government checks are not subject to holds past one business day. 

They also refuse to recognize their own policy that states that government checks are not subject to holding past one business day regardless of if you are a new account holder or not.

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 2020-12-14
Company: EQUIFAX, INC.
State: IL
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 have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Innovis
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: MORGAN STANLEY & CO. LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage service companyXXXX XXXX XXXX XXXX XXXX, failed to pay property tax on time and charge interest rate penalty to my account. The tax amount of {$4000.00} was due on XX/XX/XXXX, which should be paid from my escrow account. I have contacted them through phone and online messages since XX/XX/XXXX about the missing payment, and they only paid the tax on XX/XX/XXXX. In addition, they charged {$72.00} interest penalty to my account, and they are trying to escape from it by saying that it is due to a special assessment. I feel this is inappropriate as it was the servicer 's fault that they missed tax payment and in addition their turn around was so slow that it took them a month to pay it, and in the end. This reveals that the servicer has a lot of operation errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit acct with TD XXXX Card Services from XXXX XXXX XXXX. In XX/XX/XXXX I paid my acct. 1 day late ( made pymt on XX/XX/XXXX ) and was charged {$27.00} late fee. In XX/XX/XXXX I paid it 2 days last ( made pymt on XX/XX/XXXX ) and was charged {$40.00} late fee this time, a {$13.00} increase. Both times I called to ask for assistance with the late charges and if they could offer a hardship and they refused to refund the late charges and said I was not eligible for a hardship. I explained I am out of work, I lost my job due to the COVID pandemic and juggling to pay the bills but make sure this gets paid every month. I was told I used a hardship for deferred pymts from XX/XX/XXXX until XX/XX/XXXX, when I actually only used the deferral for XXXX and XX/XX/XXXX. They stated both times I was not eligible for another hardship. I asked if I could re-apply for another hardship since I did not use the entire 6 months they offered but I was declined. I make the pymts monthly but was late due to having to make mortgage obligations and make their pymt once I receive my unemployment. They are not willing to work with me to make the pymt due date a few days later to avoid the late charges. When I asked to speak to a supervisor I was told there is nothing the supervisor could do and told me it would be a long wait to speak with a supervisor, When I was on hold for the supervisor, they disconnected me. XX/XX/XXXX 's pymt was 3 days late ( made pymt on XXXX ) so I included the late charge when I made the pymt. on XXXX. When I seen my next bill online they still included the late charge of {$40.00} with the next pymt. ( {$170.00} ) for a total due of {$210.00}. When I called to see why I was told the late fee was applied to my principal and nothing she could do about it. When I asked if she could re-apply the {$40.00} I paid with the pymt to the late fee she said no as I tried to explain I am having a hard time making the pymts and to see if she could ask if this could be done she in a hurry said no and thanked me for calling and rudely hung up. Her agent id # XXXX. With my unemployment and the pandemic stimulus payments it does not come near to what I was making while employed. My wife has been out on FMLA due to an unexpected XXXX. I am not looking to not make my payments, just a little assistance with the due date change or the late fee waved, as I have tried to explain this to the credit company. Given we are in the mist of a pandemic I don't know how they can continue to charge late fees and then raise the late charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: GA
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-09
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation