BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I fell behind with our mortgage - we were approved for a TPP - at the second month the mortgage transferred from Ocwen to PHH mortgage - we completed the 3 month TPP and then PHH refused to accept payment, they accelerated even though I notified them that the final mod did not arrive - I've spent hours on the phone - was told they mailed it on XX/XX/XXXX - again it did not arrive and I phoned them on XX/XX/XXXX and again on the XXXX - I then sent a QWR which I was anticipating an answer -they signed for on XX/XX/XXXX. They again, would not accept a payment - Our TPP period was XXXX XXXX and XXXX - The distress of the transfer and the inability of PHH mortgage has caused so much stress. We were 2 months behind when we applied for the modification - and after 3 months of this TPP and how our funds were applied -we are now due for 6 months of payments ( XXXX - XXXX ). This mishandling of our mortgage has forced the acceleration to the foreclosure status. As the fear that the final mod detail would not be provided and with PHH refusing payment to keep the TPP in place -I 've spent hours on the phone with PHH and each call resulted in contradictions of information - which causes much confusion to us. Finally, on XX/XX/XXXX, the TPP was sent via email from PHH Mortgage. We were shocked to see the terms associated with the modification. We have 6 years left on our mortgage with no balloon. The final modification showed that the term would be extended to XXXX years and result in a XXXX Balloon at the end - HOW IS THIS FAIR? I specifically asked Ocwen when the TPP was offered how this modification would work -I was reassured that there would be no long term extension and without the ability to see the full details, I needed to have faith and complete the 3 month TPP. With the threat of foreclosure with XXXX being the next payment due according to the modification ( which PHH refused ) -I borrowed money from a family member for the past due payments - XXXX. I overnighted the funds to PHH who signed for the delivery on XX/XX/2019. To date - a full week later, PHH has not acknowledged receipt of the funds, has not applied funds to our account. My last call to PHH was on Thursday, XX/XX/XXXX - and I was told to " give them time '' I was reassured that they escalated this - and yet, no answers have been provided. I then get an email yesterday that states that they have yet to receive the certified check? I also have escrow issues - where I asked to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Noticed I started getting unauthorized use of my personal information and my credit report out without my consent long story short I had to freeze my accounts cause they said they couldnt do anything for me which isnt right given this is my personal information and they are supposed to provide the proper security for this information and they failed to freeze my account causing me to be more exposed and opened me up to more identity fraud and theft and they didnt honor my request for my account to b frozen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier Master Card account. 
On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to request copies of ALL billing statements for the period of XX/XX/XXXX to XX/XX/XXXX. I spoke with a Synchrony Customer Service agent by the name of XXXX who said he was located in the XXXX. The customer service agent said that ALL the copies will be sent by US mail within 3 weeks. A recording of the conversation with the customer service agent was made.

I did not receive to date the requested billing statements copies although it has been more than five ( 5 ) weeks since I made the request.

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 2022-10-21
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV has been harrassing me thru emails, calls, texts and letters thru the mail 15 USC 1692. I have asked them to show a contract showing I did business with them and they were unable to provide any contract of any debt and has been contacting me relentlessly 15 USC 1692 b ( 2 ) ( 3 ) ( 4 ) ( 5 ). They will not stop harrasing me, I spoke to a lady over the phone and she said they will stop the harassment bt they never did 15 USC 1692 ( d ) ( 5 ). They are slandering my credit with false information and is crippling me from other credit that I could really use now15 USC 1692 ( g ). 15 USC 6802 ( b ) ( 1 ), 15 USC 1692 ( k ), 15 USC 1681 ( c ) ( 2 ) I never gave these people permission to contact me and harass me or slander my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX XXXX XXXX  continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) HSBC credit cards ever. Both were charged off in XXXX and XXXX. XXXX continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although XXXX XXXX services admits that I only have ( 1 ) collection account, they continue to verify with XXXX  ( 2 ) collection accounts. I am asking XXXX to stop reporting the account # XXXX   They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute XXXX XXXX XXXX on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including HSBC into this complaint. Because XXXX continues to say these are different accounts. The account numbers do not match up because XXXX and HSBC use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from HSBC : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with HSBC, the original creditor. I NEED HSBC IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
My personal information was compromised will XXXX 

Now I just want to rectify the situation!

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 2020-07-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been getting so many email alerts from the Experian credit company that I tried logging into my account on XXXX at about XXXX. When I did, the website showed me an incredibly long document that represented their new and improved contract for using their site. In it, it said if I would not comply with its terms, to call XXXX. That number goes to an automated system with very few options and none lead to a customer service representative. I tried every option, so I know. The one option for cancelling the service simply dumps me back into the beginning where it asks for my ss # and address. It happens every time -- I tried three times. There is no way to cancel my account, or to stop them from harassing me with emails. Can you please 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 explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX 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 2023-08-20
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had an account with PayPal for around 10 years. About 5 years ago they locked me out of my account for reasons they can not tell me. My account has been at a XXXX balance for around 8 years. When they first locked me out of my account, they said to add my bank and that would verify that I am me. Well, that didn't work, then they said add a couple of my credit cards to my account. Well, that didn't work. I haven't been able to do anything with my account. I have called several times and they either hang up on me after a few hours or they start I chat and we get disconnected. I just want my account closed, you would think after 8 years of inactivity, they would just close the account. Now they want me to send them a lot of new information, I do not trust them with any other information. Can you please find out how they can treat people like this, and close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with PNCBANK. They have just switched over to a new system where you get mortgage statements every month in the mail. I received my first statement with a statement date of XX/XX/XXXX. I noticed it had a past due amount of XXXX. This is incorrect. I have paid my mortgage in full on time for several years. Nothing is past due. 

I called PNCBANK Mortgage customer service and explained my issue to them and they investigated and said they could find no past due amount. They said they have had issues with the statements being incorrect and would send me a corrected statement. I received a second statement with a date of XX/XX/XXXX with the same XXXX past due. I called PNC Customer service again and after investigating they again said they do not see any past due amounts and they were going to open a complaint and someone would get back to me in 24-48 hours. Nobody ever called. I called them again in reference to another complaint with another account and while i was on the phone with them i checked on this complaint. They text messaged the guy they said its assigned to and he said he would get back to me in the afternoon on XX/XX/XXXX. Nobody called. I told them if nobody calls me on XX/XX/XXXX i am filing a complaint with the CFPB. Nobody called. 

Every time i have a issue that needs to be addressed with PNC i have the exact same issues. No calls back. Denials. Nasty responses which i will be detailing in another CFPB complaint. I had a escrow issue a few months back that had to do with a NJ Tax rebate which i spent hours on the phone about while i got denial after denial and finally they admitted i was right and adjusted my escrow and my payment in my favor. My account history definitely needs to be looked into. When is somebody going to hold these banks accountable. I thought that with the new administration this was not going to be allowed to go on anymore and they were going to be held accountable. The escrow situation i described above goes on every year. I live in NJ. Residents get a Tax rebate that has to be applied. They don't do it and when you call them they deny that there needs to be a change. They get verbally nasty. I am a customer and should not be treated in that manner. 

There is absolutely no accountability ... None. I thought things would have changed since XXXX. Nothing has changed. They are operating the same way as they were in XXXX. On another matter they were told that because of the COVID situation they were supposed to reach out and help people out. They are helping no one out. Same as in XXXX. I asked them how are you helping homeowners out? They had no answer. They are so irresponsible that they have to have a CFPB rep sit in on their meetings to make sure they are doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/ two accounts was opened fraudulenty. Criminals used the accounts and ran it up fraudulently. I called and had the accounts closed when I finally found out. But their still reporting on the credit bureau files. 

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 2023-01-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XXXX XXXX I received a threating letter among other letters from a company stating that they are considering sending my account to an attorney in my state for possible litigation and to Please pay us no later than XX/XX/23. They amount they are looking to collect is {$1100.00}. This company is not register in Georgia as a Collection Agency, or a Debt collector so there for they can't collect on any behalf, and I never had an account with this consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
An inquiry from Navy Federal appeared on my account on XXXX XXXX XXXX, my information was not provided to do so, so this was done without my knowledge.

Company response to consumer: In progress
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 a states I have a right to privacy.

15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-10-21
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-07-14
Company: Avant Credit Corporation
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: Investigation took more than 30 days

Complaint:
I have requested several times from Avant Corp to remove the late payments that they are reporting on my 3 credit reports or provide me with a detailed account of where I had paid late. To date they have refused to do either. My requests for account validation are responded to with an email telling me that I need to provide them with a copy of my credit reports and other documentation for them to move forward. Per the FCRA I should not have to provide them anything, they need to provide me proof that they are reporting accurately. I have not paid this account late and want this removed from my reports.

Company response to consumer: Closed with explanation