BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was part of the XXXX mortgage meltdown and the " Investor '' was XXXX Bank. The servicer was Ocwen which has now become PHH. In XXXX, my mortgage was converted to a Shared Appreciation Modification. In XX/XX/XXXX I made a payment to Ocwen by XXXX XXXX on the last day of the month ( in compliance with the terms of the SAM ) and they returned my payment and cancelled my modification. I filed a complaint with CFPB and when Ocwen responded, I assumed that I could not respond and get further help from CFPB. Since then I have had considerable correspondence with Ocwen and I filed a Notice of Error with them. Their responses over the following year confirms my claim and they admit that they had a computer glitch at that time. CFPB and numerous Attorney Generals including Florida sued Ocwen in part for the type of error I experienced. Those suits have been settled but Ocwen has not offered me compensation and / or a principal reduction. The modifications following the loss of the SAM in this incident has raised my principal by over {$100000.00}. 

I realize this is a second submission of the same claim but the new facts prove that Ocwen 's original response was not accurate at best and possibly a fabrication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They were providing false information related to account numbers and reference info after I had submitted a payment. What was most disappointing was the fact that this debt was not even mine. Someone had used my social security to obtain service through att and I was paying for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For several months now, about every other day, I have received telephone calls from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not been answering these calls. Each time I receive one of these calls, a voice message is left which is about 3 seconds long and contains no identifying information, no call back information and no information as to what the call is regarding. It 's a completely silent voicemail lasting 3 seconds.
Reverse look-ups on the numbers reveal that they are assigned to a XXXX. Calling them reveals that they are affiliated with Central Credit Services,  LLC

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 2018-08-14
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear, XXXX XXXX Yesterday XX/XX/2018 when I talked to the Customercare dept- about being contacted my Sunrise credit services inc out of XXXX there phone # that called me XXXX The gentleman at XXXX sent me a copy of the issues in dispute- it didn't match up what Sunrise credit services inc told me on the phone - however we were able to resolve and I have a {$0.00} Balance due- I am requesting a copy of the last statement with a {$0.00} Balance due with XXXX to be sent to my email to show this with my records. for future calls from Sunrise credit services inc or any other Collection company that think they have a right to steel money from me or any other person. 

Again Thank you for your help to resolve this issues ; 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 2018-12-18
Company: Immediate Credit Recovery
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX in XXXX CA closed down along with all of their campuses while I was enrolled and now they are asking me to pay back the loans. The amount due is {$5400.00} which I have been going back and fourth with the XXXX XXXX XXXX XXXX to see If I could either get it forgiven seeing as I was not able to finish the program or if I could set up a payment arrangement. I sent in my last correspondence and now they are sending my account to a collections agency and they have sent me a notice that they are going to garnish my paycheck by 15 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: WELLS FARGO & COMPANY
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Something doesnt seem right about the way my student loan has been handled. I borrowed {$1800.00} and have repaid {$1800.00}. I have called multiple times to settle the balance of late fees and interest. I was told that I could settle the balance for {$400.00} and then told I still owed {$1000.00}. I have made multiple attempts to work with Wells Fargo and feel that they have been inconsistent, deceptive and dishonest.

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 2018-08-14
Company: EQUIFAX, INC.
State: MA
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 have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX is reporting an account on my credit report that the subscriber/creditor has told EQUIFAX to delete or remove from the file. 
The account is XXXX XXXX  XXXX, ACCOUNT NO.XXXX. 
FOR VERIFICATION OF THE ABOVE contact XXXX XXXX of S.C.E. LEGAL AFFAIRS DEPT. at XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax, XXXX and XXXX Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My apologies, I do not have all the dates but I have contacted Equifax on several occasions during the last two years as they do to make available my score to financial companies that require from Equifax, XXXX  and XXXX a report. I do have the latest from my bank, XXXX XXXX XXXX XXXX, XXXX. which does have a date of XX/XX/2018. When spoken by phone in the past, they keep saying on the phone they do have my score, still it does not get reported even after I filled out forms and sent direct. They have indicated in the past that I do not have long history. But my question is why the other reporting agencies have more than 20 years of " excellent history ''. Can you help correcting this? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My closing costs have increased over $ 6k more than originally qouted when I started my loan. I filed a complaint about my 3 month closing time frame taking over 6 months and not being able to get in contact. They responded to the complaint quickly ( XXXX ) but now have taken over a month to get new paperwork to finally close. Once we got our new paperwork they increased our closing costs by over $ 6k compared to the paperwork last XXXX. Seems like they are holding me responsible for the time to close when they where nonresponsive for so long. 

My credit has now been run 3 times for this loan. The 3rd time on XX/XX/2021 without my authorization. This is now a hard spot to be in. They have dragged me on so long I can't go to a different company because of the recent increase in rates. I have been paying additional interest on a loan with a higher rate when I was suppose to be closed over 100 days ago. I am not sure at this point if my loan will close. This is such a waste of time to deal with company. I have not signed my documents because of the large increase in closing costs. I emailed everyone that I have dealt with on XXXX  XX/XX/XXXX quickly after receiving my new documents and have not received an answer. At this point I want my loan closed. I don't want them trying to up my fees to make up costs or running my credit again to find a way out. This is so time consuming and draining. Multiple credit pulls shows it is negatively affecting my score on my XXXX XXXX app. Hopefully someone at Penfed can figure this out since my last complaint says resolved but I am still experiencing the same issues with Penfed.

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 2020-12-12
Company: Experian Information Solutions Inc.
State: MS
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:
ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BE LONG 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 2019-10-08
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX ; Experian and XXXX are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-01
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX made a purchase for a XXXX scooter it seemed like a good deal at XXXX actually exactally XXXX. 
I got nervous because it seemed too cheap especially with free shipping for a scooter which weighs 26 lbs. so I XXXX the website. Where I found that a lot of people were scammed from this site. It was about XXXX. But I immedently went through the process of trying to dispute the charge. I started with PayPal because they facilitated the payment although I didnt log into PayPal I checked out as a guest. Then I started a dispute with the XXXX XXXX  people that is the digital and physical card that I have that I used to buy this scooter. I realized I had to wait til the next day. Anyway Im in contact with both them trying to get something done and receiving no response from the merchant at all. I looked up the number on the website. It was an international number but still it was disconnected. And emails to the merchant with nothing just a receipt it was obvious I was scammed and was never to recieve a scooter. Never got a tracking number. Until about two weeks later I received an email from the website I purchased the scooter giving me a track number which said my package was delivered less than 24 hours after I purchased it. And XXXX said it weighed 11lbs. This is shocking and untrue. I filed a complaint with ups. And even though I gave them being the XXXX XXXX  customer service XXXX and several representatives from PayPal irrefutable evidence of my case. I have links and screenshots and testimony from other people online ripped off by this website and i will give it you. And also representatives for PayPal telling be how they see these scams a lot and gave me an explanation of how this site was able to pull it off. But PayPal didnt really want to work with me because i checked out as a guest and must not have looked at the evidence I submitted which showed by ups that there was no package. I have all of this documented my claim denied. I dont have a lot of money or time Iam ill but willing to fight for myself in this. I dont know if 100 is even enough to report through this channel but I need to try something I researched it and that led me here. The website is XXXX then ripped me off and the institutions i went for help in this denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was sent to an address that is NOT mine, I am only just hearing that I owe this debt and consider it completely invalid since they couldnt even bother to find my address. This debt is not possible for me to have considering that the account they were talking about is CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly received calls and voicemails from " Receivables Outsourcing , LLC '' ( Address : XXXX XXXX XXXX , XXXX, MD XXXX ) who claim I owe a debt. They ask for personal information over the phone without being clear who they are or why they are calling. I have repeatedly asked them to send information about any debt via mail ; they claim they have done so but I have never received any information about a debt owed. I have repeatedly asked them to stop calling, but they continue to periodically call using an automated system ( most recent on XX/XX/21).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX - Took 0 % financing offer for dental work = {$900.00} First payment XXXX min {$35.00} XXXX was due XX/XX/XXXX, and the XXXX of each following month. 
I made these payments through online banking via XXXX XXXX XXXX XXXX : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$53.00} In XXXX I received a bill showing a balance due of {$53.00}. I called Customer Service and was told my XXXX payment had not been received, so I went to the Credit Union and got the proof of payment that showed the check had been delivered on XXXX. Since it had not been cashed, I put a stop payment on it. I then called and paid it by phone using my debit card and the rep waived the late charge because I had made the payment although they were not showing it. At this point I believed my account was paid in full. 

In XXXX I received another bill, for a late charge of {$29.00}. I clearly did not owe this, but just to close the matter, I bought a money order and mailed it on XX/XX/XXXX. Again, I thought this matter was closed. 

But I have now received a bill for a late fee for a " returned payment of {$53.00} '' - the check they had all along but claimed they didn't, and which I put a stop payment on and paid by debit card. And again, another bill with another fee - now showing a balance due of {$64.00}. 

I wrote to the company on XX/XX/XXXX and provided documentation of all these dates and payments. On XX/XX/XXXX they responded that they will not remove the late fee because the minimum payment was not received by the due date. 

I paid all of the installments of this loan in accordance with the contract and have additionally paid {$29.00} that was not owed. I assume my final check was sitting on someone's desk for several weeks after receipt and that's why it was not credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
SOUTHERN MANAGEMENT SYSTEMS IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

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 2019-10-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: ALLIANT CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, an Alliant Credit Union savings account was opened in my name which I did not open. I found out about the account being opened on XX/XX/XXXX when I saw some welcome emails & received a letter in the mail with a pin #. 
I called Alliant on XX/XX/XXXX and spoke to someone who could not tell me why an account had been opened in my name. She took information & said someone would call me within a day but I have not received a call back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
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 status incorrect

Complaint:
In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment.

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 2020-02-07
Company: EQUIFAX, 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 just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation