BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I   was in a Chapter  XXXX . Discharged i n   XXXX   XXXX  . In    XXXX   XXXX    XXXX  , I found out Ocwen was not assigning my mortgage payments to proper account, they put my payments into suspense balance. From  XXXX  through  XXXX  they listed my payments as delinquent and subsequently started the Foreclosure process against me. They charged attorney fees against the account. I found this out in  XXXX . They corrected the payments in  XXXX   but not go back and crediting those payments for dates actually received, thus excess interest is charged. Now I am out of the Chapter   XXXX   and their records show I am still part of a bankruptcy. They are holding a large balance in the suspense balance account to this date. They are also not reporting payments to the Credit  Agencies.
They have consistently miss managed my escrows and payments throughout my Chapter   XXXX    process. Saying I was short in Escrows  then last year sending me a check for excesses in the account. Their entire accounting practices seem wrong and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with Flagstar bank for a loan modification on my home loan since XXXX XXXX XXXX. While I am behind on my payments for 2 months, I have resumed making the regular monthly payments. I have called numerous times and Flagstar bank are not assisting me in any way, outside of the forbearance option. They are not helping me to obtain a loan modification at all. It seems that they have waited until the end of the forbearance, to process and review my loss mitigation request to have my loan modified, leaving me no time to make an informed decision on how I will be able to pay back the 2 months mortgage that I am behind on. The hardship happened due to a job loss XX/XX/XXXX, I then needed to assist with my elderly mother who had a serious issue with XXXX/ XXXX, XXXX, had to move her from the XXXX XXXX in XXXX XXXX XXXX to be closer to my sister in XXXX XXXX It has been really difficult couple of years. Please assist me in getting Flagstar Bank to give me fair options for my loan modification. I have excellent credit scores -ranging above XXXX. And I do not want my credit to be affected by unfair practices made by Flagstar Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mort gage Loan with Wells Fargo. Bec ause of the various hardships, explained in the attached  Hardship Letter, I fell behind on my payments. I applied for a HAMP Loan Modification  on   XXXX   XXXX   XXXX    ( 51 Pages - p roof attached ) and submitted a complete package. Subsequently they asked me to submit some supplementary docs., which I did through my  3rd part y.     I am surprised to learn that my request has been turned down, because  Wells Fargo  had offered me a TPP Plan, last year - WHICH I NEVER RECEIVED.When my 3rd Party asked to have a copy of the same, they did not want to send it.     So how can I be denied a Modification, for which I feel I am fully eligible, when I did not receive any at all?     I understand that under  HAMP ev en people who received a Loan Mod earlier and defaulted can also apply for a Loan Modification  again.However, ther e is no question of a default as I did not receive any TPP Plan at all.

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 2022-03-31
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I have opened an account with US Bank which was initially funded with {$200.00}. I have opened an account reacting to the {$300.00} bonus offer sent to me by the bank ( XXXX XXXXXXXX ) as the local branch in XXXX XXXX XXXX, IL refused to open it. I was told that this is online offer only and to get the bonus I must do it online. At the account opening I have explained that I work overseas and the payment for my work coming from XXXX will be in form of international wire. I was told that is acceptable as long as the payment is made for a payroll purpose ( which it was ). Subsequently I was provided with a US Bank routing info which was incorrect ( XXXX ) along with the XXXX XXXX which was incorrect as well which delayed the payment processing to more than 30 days funding scenario after account opening. I have had a conversation with person name XXXX who was a supervisor at the US Bank who informed me that the notes will be left on the account to explain the situation and bonus being provided after the {$3000.00} plus balance held for more than 30 days will be fulfilled. On XX/XX/XXXX I called as the bonus was not credited and found out that my account was not credited since the " international wire '' is not a direct deposit, contrary to what I was told at the account opening. Also the person assisting me, XXXX made a representation that she can address the issue of bonus right then when I called and after a while into the conversation it became an evident she lied to me as she was actually not qualified/authorized to address it. Question to the US Bank I have is this : 1 ) Why is the US Bancorp so unprofessional as to misrepresent the financial products requirements to obtain the bonus and when the funding requirement is actually met to deny it?

2 ) What does it say for the bank to send wrong routing/swift numbers to consumer and was it done on purpose to delay the funding of the account thus make it ineligible for the bonus?

I think it is reprehensible that the US Bank is allowed to do business this way and the CFPB should investigate whether the issue is systemic thus warranting regulatory action. In my opinion it is.

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: EQUIFAX, 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:
credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I was severely defrauded in the amount of {$340.00}, my debit card was stolen from me, a faulty check was deposited into my account, and my money was stolen from out the ATM. I had filed a police report with the XXXX XXXX XXXX Police Department, and notified Capital One. I had put in a claim with Capital one for the amounts, and provided them with all evidence showing that I in fact was defrauded and stolen from. Today i received an update via email, stating that my claims were DENIED due to voluntary authorization or participation. I am extremely disturbed and i will keep filing complaints, BECAUSE I DIDNT AUTHORIZE ANYTHING. CAPITAL ONE DIDNT EVEN PROVIDE ME THE evidence USED TO MAKE THEIR DECISION. NEVER BANK WITH CAPITAL ONE. THEY WILL STEAL YOUR MONEY. AND CLOSE YOUR ACCOUNT ON YOU. THEY ARE THE WORST BANKING PROVIDER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 obtained a credit report from transunion. There is an unauthorized/fraudulent inquiry from XXXX  dated XX/XX/2023. I need it removed per the fcra guidelines.

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 2023-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had XXXX fraud claims. XXXX for an unauthorized money transfer for XXXX. This was due to a fraudulent text saying I was locked out of my XXXX account. This issue was resolved in my favor. The same person who took my money the first time took XXXX out of my account XXXX weeks later. I filed a claim, changed my entire email, passwords. My claim was denied. Theres even an unauthorized number set up for alerts to further prove XXXX innocent. I also have the fraudulent text. I will attach several phone numbers listed under my alerts from both claims that do not belong to me. Furthermore, Bank of Americas XXXX site link to change alert phone numbers is invalid.I dont understand how they same information applies but Bank of America XXXX this claim.

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 2023-11-20
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: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-16
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I had a chapter XXXX dismissed with Peoples Bank which was a second mortgage on my home used for a business. The first lean holder was XXXX. 

My credit rating keeps going down despite the fact that I have been improving on it. 

I spoke with XXXX XXXX of Peoples Bank about being reported as late payments on XX/XX/XXXX. He informed me that I didn't owe Peoples anything and the matter was closed and there was nothing more he could do. 

He suggested I take it up with the Credit Bureau. 

This has been damaging my credit for five years as I try to overcome the damage I suffered in the XXXX rescission. And has prevented me from obtaining a stable home for my family. Due to this inaccurate reporting, I cant buy a home due to credit and I cant rent a home due to credit. And my lease is up XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
When I had an account with Wells Fargo there were unauthorized charges and I had to close the account because they said there was nothing they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In  2009, I file d for bankruptcy for  Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first  house or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NM
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:
The items listed below are reported on my personal credit file and were found in my reportswith 3 credit reporting agencies. These items were opened fraudulently. Ive informed allparties of the issue & provided the necessary documentation to support my claim. Thecredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law inregard to identity theft. Additionally, the credit reporting agency & data furnisher have notprovided me with any evidence of an open contract, signed contract, or any valid proof thiswas opened, authorized, or created by me. Since this is a strict violation of FCRA laws I needthe items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This credit bureau Transunion and XXXX is falsely reporting a bankruptcy and saying the bankruptcy court gave them information when clearly the courts dont give information for anyone bankruptcy

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 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am not a Capital One customer. Capital One does not have my permission to access my personal information nor share my information with third parties. I told Capital One to cancel their XXXX services and they are ignoring my request and breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX : {$320000.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX XXXX : {$43.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. 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 non-monetary relief
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
9 collection accounts were added work of XXXX, doing my credit score, which was already inaccurate, then ( 8 ) were removed in XXXX of XXXX, score never change back up, the, ( 9th ) was removed XXXX this year and it dropped ( 5 ) more points, some have changed the balance and the last payment dates ( XXXX  XXXX XXXX XXXX ), regions closed my secured card of {$800.00}, {$200.00} had been spent of it in XX/XX/XXXX, I was it phone with fraud department, as it was being breached while they were working on it, at that point I asked for a freeze on the card, next thing I know it was in collections for {$480.00}, I had my own {$800.00}, they won't take it out of collections and return my money, no reason given, bunch of run around. XXXX XXXX XXXX has had a lot of funny business going on with my account and credit cards, extra high balances and payments for the card limit to be only {$600.00}, I asked in branch and can get no staying where even after didn't them on my credit report through Experian, broke down details. XXXX XXXX XXXX, had me in collections for {$650.00}, I disputes it knowing I owed nothing, they removed {$600.00}, but let {$58.00} in, no reason given. XXXX  REPORT ARE INACCURATE, Phone numbers keep getting changed on personal data, making it hard to be identified with XXXX XXXX  XXXX companies, but showing a lot of negative on report along with inaccurate data. XXXX has a medical bill that shouldn't be there. XXXX  with WOW, XXXX, I have had these services, don't owe anything, not showing on XXXX, but it is on the other 2, Please help, thanks.

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 2018-08-13
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything.They have reported delinquent information the credit bureaus that I am asking to be deleted. Also, they are trying to collect debt that does not have my name attached to it.

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