BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen mortgage company took over financing my house from GMAC. Immediately they claimed I hadn't enough insurance. Next they were taken my insurance payments from my mortgage but didn't pay the insurance that was due to XXXX. They claim they couldn't reach them. They allowed my insurance to lapse by not paying XXXX although they had collected the money with my mortgage payment. Next they were trying to strong arm me to accept another insurance company at a much higher rate. Once I found out they purposefully lapsed my insurance I inquired why they hadn't simply paid XXXX insurance. I had never paid XXXX directly since I bought the house. Now my insurance doubled from {$1400.00} a month to {$3200.00} a month. All because they just decided not to pay XXXX. Every month now I have to pay more. This company is totally aggressive in hurting homeowners. Can they be held responsible for causing my insurance to double? Plus they continue to make me pay over my contractual agreement month after month ... My principal had hardly decreased since they took over my mortgage. They are responsible for my insurance lapsing. Can they be held responsible? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting a collection account from XXXX XXXX for XXXX XXXX XXXX that is not owed. I contacted XXXX XXXX XXXX at ( XXXX ) XXXX regarding this account and XXXX XXXX XXXX advised me that there is no account found in my name nor social security #. I work at XXXX XXXX XXXX XXXX for over six years and have XXXX XXXX insurance coverage for my myself and my family. This medical debt should not be reported on my credit reports because it's not owed and President Biden signed a bill regarding medical debt being reported incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
on XX/XX/15 i made a purchase at Kohls while out of town, I had Kohls cash due to expire that day, but not with me and the clerk could not find it on my account. she said i could contact customer service the next day when i was home and they would apply it for me. 
The next day i sent an email asking for them to credit my XXXX kohls cash and forwarded copy of receipt along with the details of trying to use it at store. I never heard anything. 
i contacted kohls via chat on XX/XX/XXXX spoke with ( XXXX XXXX ). I forwarded my receipt and kohls cash number and pin, explained to him what had happend and XXXX XXXX said he would manually take care of this and credit my account the {$20.00} and the taxes that would reduce with taking the XXXX off the bill. he said allow 7days for this to take place and he gave me the following reference number XXXX. 
I have since then received XXXX more statements. i have called the customer service number asking for help to resolve this and have been on hold for over XXXX hours total and now have late fees, finance charges and most disturbing been reported to the credit bureaus. during my calls with customer service i have tried to explain the situation to several different CSR 's and have asked to speak with a supervisor three different times. I was hung up on once and the last two times transferred to I assume a supervisor voice mail where i left my contact information and asked to be contacted and i have never heard back from them. I feel this is a XXXX  issue and now a FCRA issue with the reporting to credit bureaus. Can you please help me clear this up. I am amazed that all this has happened over {$20.00}. i have included my write up of conversations, copy of receipt and copy of kohls cash email. Please help. thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21
Company: Experian Information Solutions 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:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2023-10-11
Company: E Z CASH OF DELAWARE, INC.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid this company far more than what I was expected. The employee told me that I would owe ( 9 ) payments of {$250.00} which equals {$2200.00}. I ended up paying this company close to {$4000.00} on {$1100.00} loan. The lady whom calculated my loan failed to take my payment using my new debit card and now shes penalizing me for her actions. This place is a total rip off. 

The place in question is called EZ Cash of XXXX. The address is XXXX XXXX XXXX. XXXX, Delaware. This place needs its doors shut because they prey on undeserving people and its not fair.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with Carrington Mortgage Services , LLC . I always make the mortgage payment within the month it is due, and accept the late payment fee of {$30.00} if I pay after the XXXX. On XX/XX/2023, I tried to make my XXXX mortgage payment online of {$1500.00} + the {$30.00} late fee. When I tried to make the payment online on the XXXX, I kept getting an error message from the website stating the payment could not be processed. This had nothing to do with my bank, as I had plenty of funds available in my account at the time. I tried to call their customer service line, but it was a XXXX  night, and they are not available. I called the company on XXXX, XX/XX/XXXX in the morning, and stated the issue I was having. I was told by a representative ( on a recorded line ) that it was my fault for not paying the mortgage sooner within the month. The representative also stated that they don't process payments on XXXX. They said that the payment is processed the next day, so I would have been late either way. I know this is not true, as I have made payments previously on XXXX, and they process that day. XXXX reported my payment as 30 days late to the credit reporting agencies ( XXXX, XXXX, and XXXX ), and my credit score dropped almost 100 points immediately. I filed a complaint with the company, and they told me they would look into their online system. They can see that I logged in that night ( XX/XX/XXXX ), but they said their system was processing payments, and it was my fault. Their system would not process my payment, and it was their fault. I have worked hard to maintain a credit score above 750, and had no issue doing so until Carrington 's online system would not process my payment. I would like the 30 day late payment to be reversed with the credit reporting agencies, as I know they can do so ( I am in the mortgage industry ). Please advise of my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
TC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XX/XX/XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Personal Information Addresses : XXXX XXXX  XXXX XXXX Employment Information : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EdFinancial Services
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted an income driven repayment plan and a loan consolidation plan through studentaid.gov in XXXX. EdFinancial processed the consolidation part quickly but will not respond about my Income driven repayment plan form. I downloaded a copy and submitted it directly to EdFinancial but still no response. With payments due to resume I would like an my plan to be processed.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
filed A FTC CLAIM AGAINST AMEX AND THEY WONT QUIT CALLING ME ALL TIMES OF THE HOURS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX of XXXX we filed for bankruptcy but did not include the mortgage in the reaffirmation. The mortgage was then sold to Freedom Mortgage from XXXX XXXX XXXX. From XXXX or XXXX of XXXX the mortgage payments were paid in full and on time by automatic payments. Now we find out that Freedom Mortgage is not reporting anything. After repeated request, they still refuse to report to the credit bureaus that we now have no missed payments, and no late payments for over a year and a half. Yes, our credit score suffered because of the bankruptcy, but now, for whatever reason, Freedom Mortgage is obstructively hindering our attempt to rebuild our credit, by refusing to report.

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 2021-08-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure. 

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.

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 2023-09-25
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX  I requested a call back from my student loan servicer EdFinancial. I got a call back from a representative XXXX and I advised that I wanted to get on the SAVE plan. She tried to steer me away and get me on the standard plan instead. She then put me on hold after verifying my income and dependents and then confirmed that I was eligible for the SAVE plan with {$0.00} payment. She said she processed it and I would be on the SAVE plan with {$0.00} payment. However, my account still shows in on the IBR payment plan with {$420.00} payment. I would like to have my student loans on the SAVE plan with {$0.00} payment as discussed and if interests are being accumulated, then servicer will waive interest or pay for it.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-03
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:
These accounts are not mine, and I have never had them. Its obvious an Identity theft and I am a victim. I am very sad that now I need to deal with it. I hope that situation with my profile will be changed soon as I want to have a baby and now because of this terrible fraud and crime I can not take financing ... Thank you for understanding and please remove these fraud accounts from my credit report

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 2022-05-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Mortgage has created a situation where it can call in my high dollar, very low interest mortgage and force me to get a new mortgage with a much higher interest rate. Is this their intention?. 

I am almost XXXX XXXX years old and have difficulty dealing with this. 

Since XXXX I have had a Wells Fargo mortgage. For six years Wells Fargo Mortgage paid for insurance they required out of an escrow account. In XX/XX/XXXX Wells Fargo suddenly stopped paying the insurance bill without notifying me. When the insurance informed me their bill was past due, I called Wells Fargo. Wells Fargo told me this insurance was not necessary and they refused to pay for it. As a result, I no longer have this insurance. 

In the last five months I called or sent emails Wells Fargo about twenty times and had multiple conversations with insurance companies. In numerous conversations thru XX/XX/XXXX, Wells Fargo steadfastly asserted the insurance was unnecessary. However, in a letter dated XX/XX/XXXX, Wells Fargo Mortgage suddenly notified me my mortgage lacks required insurance and I must take immediate action to remedy the problem. Wells Fargo wrote they had made no error and implied I had improperly created this problem.

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 2021-11-27
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express is advertising offers for members to be reimbursed for a variety of services. However, to actually get the reimbursement, you have to contact them multiple times, they will try to deny it, or will deny it based on " term and conditions '' that are not anywhere on the website. I've spent over {$150.00} that the card won't reimburse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I wrote to the credit bureaus hoping for my accounts to get resolved and I am not seeing a change. I also want to understand the reason for my points to have dropped significantly and an account number changed on an account I have open. I would like to know the investigation results for these accounts still remaining in negative status on my account. XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number : 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 2022-05-04
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: Their investigation did not fix an error on your report

Complaint:
Beginning XX/XX/XXXX I have sent numerous of letters and documentation to prove fraud with the reporting company. I have contacted the companies who the alleged fraud first occurred with and all could not provide any information where any credit applications where applied for.

Company response to consumer: Closed with explanation