BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am formally complaining against PHH Mortgage Corporation of XXXX XXXX XXXX, NJ. PHH is my loan servicer, and I have received horrible customer service from their Relationship Management team and their XXXX XXXX Department. I've attached XXXX separate transcriptions of the emails I've sent back and forth with PHH, where I am trying to speak with someone knowledgeable -- not standard customer service representatives in a remote call center who can't answer more nuanced questions -- about PMI removal and the Appraisal I have requested. I began this process in early to XXXX, and it is now early to XXXX, and I have not spoken with my account manager. 
Today, I had an appointment window from XXXX - XXXX XXXX for the relationship XXXX to call me -- which was confirmed multiple times via email, as you'll see. The relationship XXXX did not call me, I have not been contacted by phone today. My alternative dates to set an appointment were also, apparently, unavailable. 
I have XXXX, maybe XXXX fair and straightforward questions that I would like to ask of a " person in the know '' at PHH regarding the most expensive financial obligation to my name -- my home mortgage. As of today at XXXX, I have still not been able to ask these questions and receive fair, knowledge-backed answers. 
I have asked repeatedly for PHH to elevate my case in hopes that I would finally be put in contact with someone who has authority in the mortgage servicing realm. To-date, this has simply not happened, and I've been given the run around. 
Mortgage servicing does not allow for consumers to make choices and changes with their financial matters and who handles them. My mortgage was sold ( no less than XXXX times ) by my mortgage originator, therefore I had no say, no choice in who now services the most expensive thing I own. If I received this abhorrent customer from service my bank or my financial planner or a consumer goods provider, I would have already walked away. I simply can't do anything about this situation except to file this complaint and hope that it breaks through to someone who I can be in contact with to answer my reasonable questions. The federal government, and maybe even the leadership at PHH, should be aware of just how unprofessional their customer service smoke-in-mirrors act is. 
The attached email chains contain further details to illustrate the communications and unacceptable service I've received from my servicer.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Received this letter from Transunion, it is attached, regarding my dispute. Im not sure with this means, but I, XXXX XXXX is the one submitting this dispute no 3rd party. Dispute is attached. I spent a lot of money sending this letter certified for someone to make an assumption that is not valid. 

I see they have a file number on the letter so that number is 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 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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-08-09
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: Information belongs to someone else

Complaint:
Your company is in violation and reporting fraud on my consumer report. The company XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of the account listed as XX/XX/XXXX. XXXX has no right to solicit, report, collect and use my information to create a debt obligation to them I never agreed to. Consumer is filing lawsuit against them and Experian. Experian will be held liable for any more damages including previous damages for failure to honor my demand. This is not the first attempt to cure this issue concerning this account. Consumer has keep detail records for proof of claim of not only identity theft by Experian but also FCRA violations, FDCPA violations and Privacy Act violations. The named account within this notice is demanded to cease and desist all collection activities and consumer credit reporting activities. Experian is again on 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 non-monetary relief
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2021 FIRST CLASS MAIL Capital One Attn : Mr. XXXX XXXX, Chairman & CEO XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX RE : Capital One Credit Card Account for XXXX XXXX XXXX XXXX Account Ending XXXX Dear Mr. XXXX, I am writing to you to express my dissatisfaction with my Capital One Credit Card account. I have submitted 2 letters to your company in XXXX and my inquiries have went unanswered. Furthermore, a {$77.00} refund credit has been withheld from your company, because I decided to pay the account balance in full on XX/XX/2021 from my XXXX XXXX XXXX XXXX Checking account, in the amount of {$1100.00}, so your Capital One Customer Service Agent on XX/XX/2021, stated the payment was a large amount, and the payments from some customers are much smaller, therefore we suspected fraudulent activity., despite the fact the payment was posted 29 days ago. Therefore, my account has been placed in a restrictive status. Capital One is seeking access to my personal banking account, so the refund is being withheld. 

In the past my previous Capital One Credit Card account was covered under the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C Section 3901-4043 with no issues. The restrictive status limits my lending opportunities with Capital One Credit Card and has a negative impact on my credit report pursuant to the Federal Credit Reporting Act ( FCRA ). 

Please refund any credits by check on my account to my attention and ensure my account has not been placed in an unfavorable status. If you have any questions, please do not hesitate to contact me directly pertaining to this matter. A copy of this letter will be emailed to your attention at XXXX to further assist me with my inquiry. Thank you for your assistance concerning this matter. 

Sincerely, //SIGNED// XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau , XXXX . XXXX XXXX XXXX, Iowa XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Asked for XX/XX/XXXX for my rights per The California Consumer Privacy Act of 2018 ( CCPA ) My right to know about the personal information AMEX Savings and Credit Card has collected about me and how it is used and shared ; My right to delete personal information collected from them ( with some exceptions ) ; My right to opt-out of the sale or sharing of their personal information ; and And I am subject to discrimination for exercising my CCPA rights. 

It has been over 5 weeks since asking for this information Full access to my legal rights under CCPA - Personal information Name Address Telephone email Social security and any other identification used by AMEX that has been subject of their dispute with me since XX/XX/XXXX account opening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS.

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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 non-monetary relief
Consumer complaint received 2021-07-30
Company: Experian Information Solutions 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 have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.

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 2022-08-12
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello I'm reaching out in regards to disputes I filed with CITI for a credit card I have. The first dispute is XXXX in the amount of {$2100.00} on XX/XX/2022 with XXXX. The day of our scheduled flights XXXX XXXX XXXX cancelled our flight stating they will refund the full amount of the flight as well as cover the reimbursement for the new last minute flight we had to book that day with XXXX  of {$3700.00} for a total of {$5900.00}. XXXX  only refunded a partial amount not honoring what they told all customers of that flight, I went back and fourth with them numerous times for them to tell me they won't be responding to my inquiry on the reimbursement for the last minute XXXX flight I had to book so I was advised to dispute the original charge with CITI to get at least majority of my money back. I submitted evidence of all of this that CITI clearly didn't review and they denied my dispute which is outrageous. My second dispute was with XXXX for the date XX/XX/2022 in the amount of {$880.00}. We paid in advance for the hotel in Chicago for my sister 's birthday trip and when we went to the hotel the room was filthy, the manager at the reception desk confirmed they weren't cleaning their rooms before turnover " due to cleaning staff being sent home. '' Ridiculous especially during a pandemic! He refused to check us out telling us to call XXXX for our refund this I got all on video, along with the pictures of the dirty room, and screenshots of me reaching out to XXXX and them never responding like they said they would. Still can't get a hold of them this day even by phone. I submitted all of this videos of the interaction with the rude manager, photos of the dirty room, receipts for the new twice expensive hotel we had to book last minute for the same exact dates and CITI didn't even review my evidence just took XXXX word for it when they wouldn't even respond to me!! CITI never looks out in their customers best interest even with solid evidence for both disputes! I tried calling it to dispute the ridiculous final decisions made to get representatives that don't understand any english so I waste over 40 minutes just trying to get to the dispute department ( Which they never transferred me to ). The XXXX  dispute # is 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 2023-10-15
Company: Block, Inc.
State: CA
Product: Credit 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:
I have a charge on my XXXX XXXX for {$1500.00} on XX/XX/22 on my XXXX XXXX it was made processed by square merchant sales, I disputed this with the merchant the funds were refunded back to my XXXX XXXX, but the funds never arrived or dropped? Attached you will find the charge on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-10-18
Company: PNC Bank N.A.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, PNC blocked our access to our checking account. We had no access to our money. PNC never reached out to us to warn us or tell us why. We have only gotten some vague explanation about a fraud concern. We have fraud monitoring through XXXX, and XXXX did not detect anything suspicious on our account. XX/XX/2023 was a holiday weekend, and PNC gave us no option for solving this problem until the following XXXX. We were without access to OUR money for the weekend. Bills that we had paid could not go through. On XX/XX/2023, we went to a PNC branch. An employee there helped us open a new checking and savings account. We are not making any complaints about this employee. It took this employee almost XXXX hours to get through to the PNC fraud department. The fraud department lifted the hold on our checking account so that we could transfer money out of the old account and into the new account. We left enough to pay some outstanding bills. The old account was kept open to receive some direct deposits that would not be in time to change to the new account. Since XX/XX/2023, we have called the PNC fraud department to have the hold lifted so that we can transfer money as it comes in. On XX/XX/2023, we transferred a direct deposit from the old account to the new account. On XX/XX/2023, PNC transferred that money back from the new account to the old account. PNC did this without notifying us, without any explanation, without our permission. PLEASE HELP! We are terrified. We don't understand what is going on. PNC is making unilateral decisions about our money without any notice to us. Again, we did not give permission for PNC to take money out of our new checking account, and move it back to the old account. We have no access to it in the old account, and that account was about to be closed. We feel very unsafe with PNC right now, and like something just isn't right. We have little hope that this complaint will do anything, but we are hoping maybe someone will read this and help us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NC
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 reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the 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

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 2021-12-19
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/XXXX The creditor agency sent this to my employer is very old debt and embarrassed me. I just started this Job in XX/XX/XXXX. They contacted my new employer and demand information they obviously already have. I have copied and pasted below and also send a photo of letter. They contacted both of us they same day. I also got a letter and they didnt give me time to respond the just to the Liberty to send my employer a document. 

CIVIL COURT OF THE CITY OF XXXX XXXXXXXX XXXX OF NEW YORK XXXX XXXX XXXXXXXX ASSIGNEE IN INTEREST TO A XXXX ACCOUNT Plaintiff US - XXXX File Number XXXX Index No. 
XXXX INFORMATION SUBPOENA AND QUESTIONNAIRE Defendant ( s ) DEES S.S. 
LAST KNOWN ADDRESS : TO : THE PEOPLE OF THE STATE OF NEW YORK Employers address was here WHEREAS, an action in the CIVIL COURT OF THE CITY OF XXXX XXXX XXXX OF NEW YORK, between XXXX XXXX XXXX XXXX IN INTEREST TO A XXXX ACCOUNT as Plaintiff and XXXX XXXX XXXX defendant ( s ) who parties in said action, Judgment was entered on XX/XX/XXXX in are alr favor of XXXX XXXX XXXX XXXX named IN INTEREST TO A XXXX ACCOUNT Judgment Creditor and against, in the amount of {$4900.00} of which {$4900.00} less credits, if any, remains due and unpaid ; and NOW, THEREFORE, WE COMMAND YOU, that you answer pursuant to CPLR Section 5224 ( a ) ( 3 ) * in writing under oath, separately, and fully each question in the questionnaire portion of this subpoena, each answer referring to the question to which it responds, and that you return the answers together with the original of the questions within 7 days after receipt of the subpoena. 
TAKE NOTICE : False swearing or failure to comply with this subpoena is punishable as contempt of court. 
I HEREBY CERTIFY, that this information subpoena complies with Rule 5224 of the Civil Practice Law and Rules and Section 601 of the General Business Law and that I have a reasonable belief that the party receiving this subpoena has in their posession information about the debtor that will assist the creditor in collecting the judgment. 
DO YOU HAVE ANY INFORMATION FOR THE FOLLOWING? IF YES, PROVIDE THE FOLLOWING INFORMATION BELOW : NAME : SSN : HOME TEL : HOME ADDRESS : EMPLOYER : TEL : WORK ADDRESS : PAYROLL ADDRESS : XXXX XXXX : EVERY : BANK : ACTIVE GARNISHMENT : DIRECT DEPOSIT [ Y/N ] : BAL : ACCOUNT : [ 1 TERMINATED : Reply To : XXXX, XXXX XXXX XXXX. 
1 I have no information on Defendan t Felt & Warshaw, LLP XXXX, NJ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation