BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage loan is on my mothers name but deed is on my name. This mortgage was transferred from my name to my mother by a fraudulent mortgage broker who was indicted and sentenced by attorney general Massachusetts. Few months before my mother passed away last year, I have been negotiating a payoff from the PHH mortgage and they agreed to do a principal reduction payoff and gave me a {$450000.00} as a payoff from {$650000.00} principal balance. I am XXXX XXXX XXXX and tried to pay my mothers loan by doing a reverse mortgage. When I came to the closing I was informed that there was a lien on the property that needed to be removed. It took a month to get the lien off the property and in the meantime the {$450000.00} payoff expired and ever since last year XX/XX/2021 I have been asking them for an extension. They refused and wanted me to do an appraisal which I did. Now they want 90 % of the value of {$950000.00} as payoff instead of the principal balance. I have all the correspondence they sent me. At my age XXXX how can I get qualified for {$900000.00} payoff the existing mortgage. They are just playing games and more focused on foreclosing my property. Hope I can get some help and would be much appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I'm having an ongoing issue with PNC bank. The branch I'm having issues with currently is XXXX XXXX XXXX XXXX PA XXXX. There was a fraudulent check tryin to be withdrawn from my account. They did not file a report about this issue. They did not give me the options or measures to take because of this issue. My account is compromised and I want to know the next steps. They are not giving me the ID of the person who tried to cash the check either. The bank manager 's name is XXXX XXXX XXXX. I recieved an email from him on XX/XX/XXXX and left a voicemail for him. He called me XX/XX/XXXX but he told me to call the main number. I called the main number and there was no complaint in place. I tried to stop by the branch but he was not working. I left him another message and emailed him on XX/XX/XXXX with no reponse. Another amail was sent febuary XXXX and still no response. I need this issue to be resolved right away and a police report filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I was reviewing my credit report and noticed there was some inaccurate and incorrect information on my credit report. 

XXXX, XXXX has placed a collection on my credit report that does not belong to me, XXXX XXXX. 

According to 15 USC 1651, accurate and correction information must be placed on my credit report as well as a right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-14
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was paid by Cash app from a friend on XXXX XXXX. Around XX/XX/XXXX, cash app refunded the money from my account to the person who paid me and cant tell me why. This person owed me the money and paid me. Why did cash app took the money out of my account and returned it to them? They took {$2000.00} out of my XXXX checking account. Cant get a straight answer from no one. Just the runaround. I want my money back. I have called them many times. And the person who paid me knows nothing about this supposedly. Have them return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: CA
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:
I was using my XXXX credit card for renting a car. I didnt have a working car I took XXXX from my home to the rental car company. The amount of the rental was XXXX and all the people in front of me their deposit was XXXX plus rental fees I only had XXXX available in my account at XXXX so I transferred XXXX dollars from my checking to my credit card to give me enough to cover the rental. I wanted to use my XXXX Visa card because it covers my insurance on the rental. When I went to pay the counter person said I needed to cover XXXX with a XXXX dollar security deposit. I questioned why everyone else was only paying XXXX dollars. He told me because the car was being provided by the insurance company. Mine was XXXX. I was XXXX dollars short on the amount available on my credit card I tried to transfer another XXXX to the card from my XXXX checking account. It would not accept a second traction from the same account the same day. I called the bank and spoke to a manager about helping me. They said they couldnt do anything I couldnt even pay cash at the bank to enlarge my usable money avail for the rental. It was only XXXX dollars. The bank representative said he could try to increase my credit line on the credit card I told him I only wanted enough to cover my rental he put it in for XXXX dollar increase. He came back and said they wont increase my credit line at this time. I used a different credit card and was able to get my rental. A few days later I got notified my credit score changed. I looked on my scores on XXXX  and experion my credit score had dropped 35 points for the hard pull on my XXXX credit card account. This is nut it took me a year to get my score over XXXX and now when I needed a score over XXXX to rent a apartment my score dropped 35 points.

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 2023-08-30
Company: EQUIFAX, INC.
State: GA
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:
Fraudulent information is being reported on my credit report and I am having problems disputing that with the credit reporting agencies. XXXX is reporting information as my account and I did not open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NJ
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 is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXXXXXX 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 2022-12-07
Company: Experian Information Solutions Inc.
State: IN
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$370.00}.

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 2018-12-12
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2023-08-30
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Over the last several years we have had numerous difficulties and limited options for loan repayment via Sallie Mae. Our Loan originally had a cosigner in XXXX, our cosigner was a family friend and she passed in XXXX from XXXX. The company required us to supply them with a death certificate to have them removed from the loan and we were told that we were not eligible for any additional loan repayment options or programs until the cosigner was removed from the account. Since we were not direct family with our cosigner we had extreme difficulties obtaining a copy of their death certificate which resulted in us requiring alternative loan deferment options during which Sallie Mae was charging predatory interest rates of over 10 %. My original loan amount was {$13000.00} and now the loan amount is over $ XXXX just from the interest that was charged while I was still in school from XXXX and in a XXXX XXXX  XXXX. 

We finally got Sallie Mae to remove our cosigner in early XXXX, which we were told would allow for additional options for loan repayment support. That was a lie, Sallie Mae reported that the only options for support were additional forbearance or interest-only payments which are only limited-time options and do not actually support our ability to pay down the loan. We can not afford a {$1400.00} monthly payment, and they are charging an additional {$200.00} a month in interest. At this point, we feel like Sallie Mae is setting us up for failure and loan delinquency, it feels like they have no intentions of supporting us in repaying their loan. There has also been no additional support or relief options provided since the COVID-19 pandemic started and have been continuing to charge more and more interest at a predatory rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: FinCo Services Inc DBA Current
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 I opened a activated my account with the XXXX XXXX card current. I then transferred funds from my XXXX XXXX  to the current card once I did that. I received a email stating that my account would be under a review for 3-5days business days I waited and waited and afterwhile when my days were up I seeked out for assistance to see whats going on I called the current card customer service number and their phone line has it set up where you can not talk to a representative over the line you only have the options that are given .I looked deeper into the situation I am only allowed to sent emails and text them through the mobile application. Ive sent several documentation of what they were asking for repeatedly kept asking for the same documentation and Im getting very skeptical because I already can not talk to anyone over the phone line. I then looked them up and see they have a lot of bad reviews and are known for scamming and frauds. I then go look to see if I can find deeper information I ran into the bank they are issued through XXXX XXXX  FDIC. I called to speak to someone explained my situation they stated theirs nothing they can do. Remind you they are the issuer bank for Current card XXXX XXXX so I didnt understand why they couldnt do anything. I look up a number I could call to seek further precautions and I came across yall number I seriously need help my money is locked and they wont release my funds to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I get trapped in scam or fraud. 

I collect enough proof of scammer in which scammer already convicted the crime on my paypal account but paypal still not taking any action on those scammer by this way paypal is helping scammer to do their scam all the time without any limitation or taking action on them. upon telling paypal that i can show them proof but still paypal said even with those strong proof they will not take any action on scammers. Thats clear indication that paypal helping scammers. there was {$6700.00} total disputed transaction. 

those accounts in which transaction happened was XXXX XXXX  {$1700.00}, XXXX XXXX {$1500.00} & {$500.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$620.00}, XXXX XXXX XXXX {$760.00} paypal is not secure way of doing transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Intelliloan, Inc
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am not sure who to reach out or if you can even help. I was working with the vendor Intelliloan ( XXXX ) on a VA Refi because my roof needs to be replaced I decided to stay with XXXX XXXX as they have my current VA loan. I paid for a VA house inspection and Intelliloan has yet to release it in the system so that XXXX XXXX can complete my loan. I can understand the company being upset that I chose another provider, but it seems like they are targeting veterans for retaliation, since they hold the ability to release these inspections and not the veterans. I appreciate anything that you can do or if you can point me to someone that can help. Thank you again for your time in this matter. 
How come Veterans do not hold the right to reassign these appraisals in the VA system if we pay for them? We are essentially at a stop unless Intelliloan decides to release it or I pay {$500.00} for another appraisal. We have reached out to them and XXXX XXXX has even reached out. We did as they asked and still nothing. Please I appreciate any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
When I found out about the fruad and problems on my bank statement in XXXX of last year, I called the Bank of America to complain about my cloned credit card. They said that they would investiage it. They then refunded to me only a few of the credit card fraudulent charges and they refused to credit me the XXXX XXXX store charges. They asked me to file a ploice report, which I did late last year after getting the run around by the bank officials. After six months of calling and begging them to refund my money, they told me that it was too late to refund my money. But I feel like I have been victimized twice, first by the XXXX XXXX stores in XXXX, and second by the Bank of America officials. The money was supposed to be used to pay for my daughter 's school fees, but we had to borrow the money for her school fees. I have all the fraudulent charges with my bank credit card but the bank refused to listen to me for twelve months. I feel like my back is against the wall with the Bank of America. XXXX XXXX has given me the invoice for the stolen card charges, but the Bank of America officials would not even listen to me and they want me to just forget about it. But this is my hard earned money like everyone else. Please ask the bank to refund my money. I do not have the money to hire a lawyer, so I need your help to fight the big banks in the recovery of my money. 

Thanks so much, 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 monetary relief
Consumer complaint received 2021-12-06
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I loaded {$500.00} on a card. The company refused to register my account and stated they would refund the balance via check. I never received the check. Additionally, the company representative stated that a {$5.00} fee was removed from my balance. I did not agree to this fee. The only fee I agreed to was {$1.00} at the point of sale.

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 2018-08-29
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with explanation