BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My mothers mortgage was transferred from XXXX to PHH Mortgage. In XXXX we received foreclosure papers stating that the property taxes had not been paid. We sent PHH the receipt that the property taxes were paid on XX/XX/XXXX. We then received notice that they also paid the taxes and started foreclosure on the property even though they had no reason for default. They charged us XXXX in attorney fees that have not been cancelled. They eventually credited us for the property taxes they charged her account for. During this time my mothers home flooded and we received a insurance check that PHH was holding. PHH received XXXX. We had demolition completed on the property with XXXX in the amount of XXXX in XXXX. The PHH inspector came out and authorized the release of the initial funds. We called several times and did not receive a check. We had to pay out of pocket because XXXX was going to put a lien against the property. Phh was supposed to release a check in the amount of XXXX. We called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX and sent emails. On XX/XX/XXXX we requested by email the funds to complete the work. My mom did not have personal funds to complete the work. We were told the check was lost and they would reissue the check. We finally received the check in the end of XXXX. We completed all of the work and kept in constant communication with PHH. They informed us that they had her account under Covid relief and her home would be safe. They then filed foreclosure against her on XX/XX/XXXX. XXXX, my mother passed away on XX/XX/XXXX. We had all repairs completed by the end of XXXX and ordered the final inspection which was completed by PHH on XX/XX/XXXX. The inspector turned in his report and this should have closed out the file. I also sent them the personal representative papers so they could contact me in regards to the work and foreclosure. We went to mediation and they are still suing my mother for repairs which are complete. They sent a letter on XX/XX/XXXX for a status update on the repairs. I would think that sending the inspection report and pictures that their inspector signed off on in XXXX would be sufficient. I have asked several times for 6 months to sell my mothers property and I can not get a response. We also requested 3 times a payoff and they never mailed it and claimed they had the wrong email. This is a direct RESPA violation. PHH should refile the claim against myself since my mother is deceased. I also am requesting all attorney fees be waived since we complied with all of their requests from the beginning, They lost the documents yet proceeded with their predatory lending against an elderly individual. As of XX/XX/XXXX PHH 's portal still shows that the claim is not complete. They still owe us {$3500.00} in insurance money and will not respond. I have all supporting documents if you need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I discovered this morning that my credit score decreased by 45 points so I started investigating what happened. TD Auto Finance, with whom I have two auto loans, apparently reported that I missed a payment on one of them. Since I pay by auto draft for both loans, I reviewed my bank account for the past few months and confirmed that all payments had been made. So I called TD Auto Finance and found out that the missed payment happened in XXXX on my XXXX car, and that I have been charged a {$21.00} late fee every month since and now owe {$680.00} in late fees. I have never received a statement for either vehicle in the mail on in an email. In XX/XX/XXXX, I missed a payment on my other vehicle, a XXXX car, and TD Auto called me and I immediately paid it with a debit card over the phone plus the late fee. I had no idea that I had missed a payment in XXXX on the XXXX vehicle since I never received any statements or any sort of notice of the missed payment. Yet they continued to charge each month for the late fee. Then they didn't report the missed payment to credit reporting agencies until 2 and 1/2 years after the missed payment, conveniently racking up {$680.00} in fees over the years. I have talked to several representatives TD Auto Finance and they insist that they mail statements every month, but I have never received one for either vehicle. They also insist that they report missed payments to credit agencies every 30 days which obviously they don't. I asked two of the reps to speak with their superior, and they said they were transferring me but instead both hung up on me. I am in the process of trying to secure XXXX funding for business expansion but was denied the loan I was originally offered because my credit score dropped so much while the loan was in underwriting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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:
I am being ignored regarding fraudulent applications done in my name without my knowledge and consent. I am unable to get approved for a much needed credit card because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
the law offices of Frederick I Weinberg is debt collector suing me under XXXX XXXX XXXXXXXX. They are saying they are a lawyer under XXXX XXXX XXXXXXXX but haven't provided me with any of the information that I have requested under the Emergency Banking Act of 1933.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX - XXXX Date Opened : XX/XX/2013 Balance : {$10000.00}

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 2021-04-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account at Citibank with {$200.00} promotion. The account was opened on XX/XX/XXXX at a Citibank branch. The personal banker who helped me and my wife opened the accounts is XXXX XXXX. Her signature is as follow : Personal Banker XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX did assure me that the offer was on the account and that I would receive the bonus as long as I deposit {$5000.00} and maintain it for 60 days which I did back in XX/XX/XXXX. According to Citi Chat Team member XXXX, The 60 days requirement was completed on XX/XX/XXXX and that the bonus should have been in my account no later than 90 days after that date, which was XX/XX/XXXX. I reached out to Citi Chat Help again opened a case for the issue to be researched further. The case number is XXXX. 

I finally received a correspondence from Citibank claiming there was no bonus in conjunction with the account and that they won't deposit the {$200.00}! 

I will be uploading the following documents : 1.Chat with Citi reps confirming I met the requirements and I would get the bonus 2. Screenshot of promotion from Citibank 3. Email from Citi Personal Banker

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 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2019-06-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 reported to Amazon, that I find out in XX/XX/2019, that XXXX XXXX whom rented a room in the same home as me from my grandpa has opened up four charge cards under my name and used my checking account to make payments on them. Whom had access to my personal information and mailbox key. I have also file identity theft. gov and reported and online file report with the police.

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 2023-01-20
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX XXXX Citibank sent me a promotional offer by email ( attached ) of opening and funding a new savings account for various levels of XXXX XXXX frequest flyer miles awards. I opened the account within the timeframe, funded it within the timeframe, maintained the balance for greater than the requirement but was never awarded the miles. Various Citibank reps told me they were coming on two different dates. An investigation was opened and subsequently denied claiming my account wasn't eligible for the promotion as it hadn't been offered to me, which was incorrect. A third rep told me I had opened the account too early, which was also incorrect. This practice is dishonest and not in good faith.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX, I received a letter from Wells Fargo informing me that due to a new policy, they were asking all clients to remove any international addresses from their accounts by XX/XX/XXXX or else they would close the account and send any remaining money in the account ( s ) to the US-based address on file via check. 

My mother and I jointly have a checking account with them. I removed the international account fully from my side at the beginning of XX/XX/XXXX via the mobile banking app. As my mother is not technologically savvy, she went to the XXXX XXXX XXXX XXXX Wells Fargo on XX/XX/XXXX and had them update the account for her side. They informed her that it was complete and did not provide her with any documentation, confirmation via email or text. As they told her it was complete, we felt no need to follow-up with this process. 

On XX/XX/XXXX, I logged into the mobile banking application and saw they had closed this checking account with any further contact to either my mother or I. I called immediately to Wells Fargo and spoke with XXXX and then XXXX, XXXX who informed me that as my mother, the joint-account holder had not updated her side of the account, that there was no way they could challenge the account closure process. 

I find this extremely unhelpful as my mother and I followed their request. I would prefer for them to reopen our closed account. If they don't, I will remove all my accounts with Wells Fargo.

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 2019-03-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This will be the same issue I have had a couple years ago when I contacted CFPB. For the past year PNC changes the order of posting and causes extra Overdraft fees at XXXX each. 
My account is listed as opted in. I know I will be charged if my account is overdrawn. But I don't feel I should pay EXTRA fees because PNC CHANGES THE ORDER OF TRANSACTIONS. 
In other words if you had 3 {$20.00} transactions in the clear and then you have {$100.00} last, PNC puts the XXXX first and then charges you FOUR {$36.00} fees. 
This is what they have again done to my account for the past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX Hyundai XXXX in XXXX. That car came with a defective backup camera and since XXXX, XXXX I have been trying to have that camera replaced through the warranty. 
I took to the Hyundai service center in XXXX XXXX, as well as XXXX XXXX, CA. 
In XXXX, XXXX Hyundai XXXX XXXX diagnosed as defective and needed to repair, and in XXXX, XXXX when I took my car to have the backup camera repaired, I was told by the XXXX at that location that since I gave them a poor score rate when I received a survey, that was the last time I was going to be allowed at that location, and my repair was not done. I asked them to send the part to the Hyundai Dealership in XXXX, CA, so I could get that replacement over there and they told me that they would get back with me, but I never heard back from them ( XXXX XXXX ). I filed a complaint with Hyundai Motor XXXX and up-to-dat my issue has not been resolved. The last time I heard from a representative named XXXX representing Hyundai Motor XXXX  was on XX/XX/XXXX via email. She provided me a number to call at XXXX ext. XXXX. That number and extension goes straight to voice mail and they never return customer 's calls. I contacted Hyundai Corporate XXXX  at XXXX on XX/XX/XXXX and spoke to XXXX, and she told me that since complaints are handled by a XXXX  party, she could not help me to reach XXXX. I sent XXXX an email on that same day and asked for a call back and as of today ( XX/XX/XXXX ), I haven't heard from her or anyone representing Hyundai. My case number is # XXXX I also had a promotional subscription for XXXX that was set to expire in XXXX, XXXX and I accidently hit the cancel button on XX/XX/XXXX and I immediately called to get that subscription reinstated, since it does not expire until XXXX, XXXX. I spoke several times with numerous representatives and was promised reinstatement, but that was never done. On XX/XX/XXXX I spke to XXXX that said he did put a ticket for reinstatement of subscription and up-to-date I have not heard from Hyundai - XXXX or XXXX any confirmation of subscription reinstatement. I was also told to go online to reinstate subscription, but when I go online, the system does not offer reinstatement and requests XXXX payments of {$XXXX} each. I explained that to XXXX and other representatives.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I don't have an idea about that report. The BANKRUPTCY don't belong to me.

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 2023-01-17
Company: Avant Holding Company, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I AM XXXX XXXX XXXX XXXX WITH SOCIAL SECURITY AS MY ONLY INCOME.I WAS OFFERED A CREDIT CARD FROM AVANT FINANCIAL CORPORATION. I WAS HAVING TROUBLE MEETING THE PAYMENT DUE DATE. I REACHED OUT TO AVANT 'S CUSTOMER SERVICE TO ASK IF THE PAYMENT DATE COULD BE CHANGED. I WAS TOLD " NO. '' I CONTINUED TO HAVE TROUBLE MAKING THE PAYMENT ON THE DUE DATE BECAUSE I DON'T GET MY CHECK UNTIL THE XXXX OF THE MONTH. AGAIN, I REACHED OUT. THIS PARTICULAR CUSTOMER SERVICE WAS VERY RUDE TO ME, STATING THAT I COULD TAKE MY COMPLAINT TO THE CORPORATE LEVEL AND THE ANSWER WOULD STILL BE " NO. '' I WAS APPALLED BY THE WAY I WAS TREATED, SO I WROTE A LETTER IN XXXX XXXX TO THE CEO OF AVANT, XXXX XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A REPLY. ALSO, BECAUSE OF THEIR BILLING CYCLE THERE ARE SOME MONTHS WHEN 2 PAYMENTS ARE REQUIRED. I'M HAVING DIFFICULTY MAKING PAYMENTS. THIS COMPANY DOES NOT SEEM TO WANT TO WORK WITH THEIR CONSUMERS. THEY ALSO DO NOT SEND REMINDERS WHEN THE ANNUAL FEE IS DUE WHICH CAUSED MY AMOUNT OWED TO BE IN THE RED!! OTHER CREDIT CARD COMPANIES HAVE BEEN VERY READY TO WORK WITH ME. AVANT DOES NOT APPEAR TO CARE WHAT THEIR CUSTOMERS THINK. I FEEL AS THOUGH I'VE BEEN TREATED LIKE A " SECOND-CLASS '' CITIZEN. I FEEL THAT I HAVE BEEN DISRESPECTED, BUT, FURTHERMORE FEEL THAT AVANT DOESN'T CARE!! I AM ASKING FOR HELP IN REACHING OUT TO AVANT ON MY BEHALF TO HELP RESOLVE THIS PROBLEM. BY THE WAY I ALSO TRIED TO CALL THE PHONE NUMBER LISTED FOR THE CORPORATE OFFICE IN XXXX. EACH TIME I CALLED I GOT A BUSY SIGNAL. THANK YOU FOR YOUR TIME AND ATTENTION TO THIS MATTER AND FOR YOUR HELP!! IF YOU REQUIRE FURTHER INFORMATION, PLEASE CONTACT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CL Holdings LLC
State: FL
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 have attempted to correct this error on my XXXX XXXX XXXX account for over a year. I have paid all outstanding balance on this account but they refuse to remove this data off of my record. Two years ago, we had canceled the service and paid them in full. They still have on record that i owe {$100.00}, which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666
B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

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